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Frank Tian
May 27, 20231 min read
Canada Growing Household Debt
🇨🇦 CMHC recently highlighted the growing household debt vs. GDP in Canada. 75% of the debt are mortgages. Different from the 30-year...
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Frank Tian
May 15, 20231 min read
US Q1 Consumer Credit Update
With the banking crisis in March, How is US consumer credit doing? Here is the Q1 ‘23 Fed report: 👇 Quarterly debt growth slowed to...
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Frank Tian
Apr 23, 20231 min read
US Banks Mortgage Origination Continued to Tank
The top 4 banks saw their collected mortgage origination down ~80% in Q1 vs. the average in the last 3 years. 📍 Fast interest rate hikes...
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Frank Tian
Apr 11, 20232 min read
💰 6 Consumer Credit Items To Know in 2023 Canadian Budget
All appear in the 1st chapter “Making Life More Affordable and Supporting the Middle Class”, a clear indication of the policy priority....
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Frank Tian
Feb 20, 20231 min read
Q4 '22 Fed Household Credit Report
2022 saw the fastest rate hike. How is US consumer credit doing? Here is the latest Fed report: 👇 US household debt up $394 billion in...
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Frank Tian
Feb 5, 20231 min read
🚨 Canadian Mortgage Fraud
🚨 As if the growing mortgage payment is not enough, Canadian homeowners now have a new thing to worry about. Criminals are eyeing to...
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Frank Tian
Jan 19, 20231 min read
🏚️ US banks’ Q4 Update - Mortgage
The mortgage origination continued to collapse. The top 4 banks - JP Morgan Chase, Bank of America, Citi, and Wells Fargo - collected...
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Frank Tian
Jan 13, 20231 min read
🇨🇦 OSFI to Tighten Mortgage Lending 🏠
In the face of the rising risk in the mortgage market, the Canadian financial regulator OSFI is soliciting feedback on more restrictive...
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Frank Tian
Dec 4, 20221 min read
🏠 Canadian Mortgage Risk Update
Big 5 banks’ Q4 earnings reports are out. Here is an update of the mortgage book. 👇 It is a very Rough estimate, as each bank reports...
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Frank Tian
Dec 4, 20221 min read
🏠 Canadian Mortgage Risk Snapshot - Q4 '22
Big 5 banks’ Q4 earnings reports are out. Here is an update of the mortgage book. 👇 It is a very Rough estimate, as each bank reports...
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Frank Tian
Nov 25, 20221 min read
Canadians Reaching Tigger Rate
Canadians heard the mortgage trigger rate a lot. How many mortgages have reached that? The answer from the Bank of Canada 👇 Out of a...
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Frank Tian
Nov 16, 20221 min read
US Household Debt Q3 Update
Q3 saw fast rate hikes and an uncertain future. How is the US household credit doing? Here is the latest Fed report: 👇 US household debt...
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Frank Tian
Nov 16, 20221 min read
US Q3 Update
Q3 saw fast rate hikes and an uncertain future. How is the US household credit doing? Here is the latest Fed report: 👇 US household debt...
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Frank Tian
Nov 6, 20222 min read
🏠 Higher Rate to Trigger Rate
🟧 Higher Rate - To Be Higher Bank of Canada (BoC) raised the rate by another 50 bps in Oct - the cumulative hike is 350 bps this year....
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Frank Tian
Oct 19, 20221 min read
US Bank Q3 Mortgage
🏠 Interest Rate Dampens Mortgage Activity The Q3 earnings reports show the impact of the fast interest rate hike. Q3 ‘22 mortgage...
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Frank Tian
Aug 30, 20221 min read
🏠 Canadian Mortgage Risk Snapshot - Q3 '22
Canadian Real Estate Tanks Fast This Year. How much risk is in the overall mortgage portfolio? 👇 Here is a Rough view of the Big 5...
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Frank Tian
Aug 14, 20221 min read
🕵️♂️ 7 At-risk Consumer Segments to Watch
Even with some good US data points: July inflation drops to 8.5% July added 528K jobs The horizon is still cloudy with multiple risk...
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Frank Tian
Aug 8, 20221 min read
US Household Debt Q2 Update
Q2 saw the steepest interest rate hike. How is the US household credit doing? Here is the latest quarterly report from the Fed: 👇 US...
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Frank Tian
Jul 25, 20221 min read
US Banks Q2 Mortgages
Interest Rate Effect on Mortgage The Q2 earnings reports provided a glimpse of the latest impact of the interest rate hike. Q2 ‘22...
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Frank Tian
Jun 3, 20221 min read
Subprime Loans Again?
A WSJ report highlights the rising delinquencies of subprime loans. Some are wondering - have we learned anything from 2008? Actually,...
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