[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @mortgagetruth Colin Robertson Colin Robertson posts on X about mortgage rate, arms, history, credit union the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours. ### Engagements: XXXXXX [#](/creator/twitter::46993/interactions)  - X Week XXXXXX +59% - X Month XXXXXXX -XX% - X Months XXXXXXXXX +49% - X Year XXXXXXXXX +20% ### Mentions: XX [#](/creator/twitter::46993/posts_active)  - X Month XXX -XX% - X Months XXX +22% - X Year XXXXX +9.60% ### Followers: XXXXX [#](/creator/twitter::46993/followers)  - X Week XXXXX +0.18% - X Month XXXXX +2% - X Months XXXXX +16% - X Year XXXXX +46% ### CreatorRank: XXXXXXX [#](/creator/twitter::46993/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) XXXXX% **Social topic influence** [mortgage rate](/topic/mortgage-rate) #6, [arms](/topic/arms) 3.08%, [history](/topic/history) 3.08%, [credit union](/topic/credit-union) 1.54%, [$1b](/topic/$1b) 1.54%, [home loans](/topic/home-loans) 1.54%, [$300m](/topic/$300m) 1.54%, [travel](/topic/travel) 1.54%, [products](/topic/products) 1.54%, [matter](/topic/matter) XXXX% **Top accounts mentioned or mentioned by** [@rogainetrader](/creator/undefined) [@loganmohtashami](/creator/undefined) [@texasrunnerdfw](/creator/undefined) [@mortconsumcoach](/creator/undefined) [@scottrayut](/creator/undefined) [@solwoldjr74](/creator/undefined) [@profstonge](/creator/undefined) [@rob66733000](/creator/undefined) [@lenpenzo](/creator/undefined) [@peterdjerf](/creator/undefined) [@levensondavid](/creator/undefined) [@jhoopstyscoop](/creator/undefined) [@johnwake](/creator/undefined) [@robertdobalina7](/creator/undefined) [@iamjonbrooks](/creator/undefined) [@bayarearematt](/creator/undefined) [@mapatriot1630](/creator/undefined) [@tawillionaire](/creator/undefined) [@jhphudson](/creator/undefined) [@homeloanbill](/creator/undefined) ### Top Social Posts Top posts by engagements in the last XX hours "@onechancefreedm This is why lower rates mostly benefit existing homeowners and not necessarily new home buyers. If even lower rates are accompanied by more stress in the labor market it won't do any good. These folks won't be able to buy nor feel comfortable to buy if the jobs aren't there" [X Link](https://x.com/mortgagetruth/status/1998424086423437574) 2025-12-09T16:06Z 7172 followers, XXX engagements "Apparently "The Great American Mortgage Corporation" is the new collective name for Fannie and Freddie. And Bill Ackman thinks a combined company could lead to lower mortgage rates for consumers. All somehow expected to happen in three months" [X Link](https://x.com/mortgagetruth/status/1954613542642241689) 2025-08-10T18:39Z 7171 followers, 25.8K engagements "@levenson_david @jhoopstyscoop Your average home buyer isnt gonna go with an arm even if its cheaper. Theres been cheaper arms for years. Another issue is non-banks have horrible arm pricing so your best bet is a credit union for an arm" [X Link](https://x.com/mortgagetruth/status/1998130924261871943) 2025-12-08T20:41Z 7171 followers, XX engagements "Interesting to see lenders offer a 15-year fixed for a full one percent less than a 30-year. Makes me wonder how high rates would be on a 50" [X Link](https://x.com/mortgagetruth/status/1995530460542423407) 2025-12-01T16:28Z 7164 followers, XXX engagements "NJ-based Absolute Home Mortgage Corp. to acquire MD-based Fidelity Direct Mortgage. Absolute funded $1B in home loans last year with nearly XX% of volume coming from their home state. Fidelity Direct funded $300M also with nearly XX% of volume coming from their home state" [X Link](https://x.com/mortgagetruth/status/1995896716030345328) 2025-12-02T16:43Z 7165 followers, XXX engagements "It's crazy just how little of the country actually needs high-cost home loan limits" [X Link](https://x.com/mortgagetruth/status/1996224715250393551) 2025-12-03T14:27Z 7164 followers, 3327 engagements "@MortConsumCoach I don't really think so. Loan limits are increased after the fact. The one argument you can make is they can't go down which seems kind of one-sided" [X Link](https://x.com/mortgagetruth/status/1996299288964640799) 2025-12-03T19:23Z 7165 followers, XX engagements "@texasrunnerDFW Appreciate you saying that given your typical slant towards a more gloomy outlook. Of course the best in four years isnt saying a whole lot either. 🤔" [X Link](https://x.com/mortgagetruth/status/1996328957642481716) 2025-12-03T21:21Z 7164 followers, 2577 engagements "@conorsen Youth travel sports is a monster. Will be interesting how it operates in a real recession" [X Link](https://x.com/mortgagetruth/status/1996606507883073791) 2025-12-04T15:44Z 7163 followers, 5664 engagements "Something to think about now vs. then. If this was 2006 we would have already rolled out a 50-year mortgage and other wacky loan products to "fix" the housing problem. Instead thanks to ATR/QM and lessons learned we're just letting home prices ease/fall and relying on time" [X Link](https://x.com/mortgagetruth/status/1996959869426192641) 2025-12-05T15:08Z 7164 followers, 1791 engagements "This comforts me knowing we aren't trying to force home sales through as we did back then. The only real "forcing" I see is builders offering massive rate buydowns. But even those are 30-year fixed-rate loans set at below market rates of 3.99%. Far cry from the slop in 2006" [X Link](https://x.com/mortgagetruth/status/1996960819670618402) 2025-12-05T15:12Z 7165 followers, XXX engagements "The fact home sales hit a roadblock these past couple years when rates/prices spiked is a healthy sign we aren't repeating history. Had they kept chugging along we would have had a big problem" [X Link](https://x.com/mortgagetruth/status/1996962565499547908) 2025-12-05T15:19Z 7164 followers, XXX engagements "@JohnWake Why If they like their home and stay in their home what does their Zestimate matter" [X Link](https://x.com/mortgagetruth/status/1998060147697205406) 2025-12-08T16:00Z 7166 followers, XXX engagements "@M_McDonough Seems to be coming down and even better once you factor inflation" [X Link](https://x.com/mortgagetruth/status/1998135501367488913) 2025-12-08T21:00Z 7166 followers, XX engagements "@HomeLoanBill Just occurred to me as I was looking through some old posts. Notice how T B & P stopped obsessing over getting mortgage rates down" [X Link](https://x.com/mortgagetruth/status/1998190783359578541) 2025-12-09T00:39Z 7168 followers, XX engagements "@RogaineTrader @Solwoldjr74 The Fed watching is just related to mortgage rates. And I noticed lately there's been a lot less watching. Seems rates in high 5s is enough to not care much anymore" [X Link](https://x.com/mortgagetruth/status/1998425780809036193) 2025-12-09T16:13Z 7171 followers, XX engagements "@JPBKUSA @texasrunnerDFW It already has gotten better. It might be a grind though. remember X% mortgage rates at higher asking prices in 2023 Today it's high-5 rates and lower prices. That's progress even if it's still expensive" [X Link](https://x.com/mortgagetruth/status/1998428177946042638) 2025-12-09T16:23Z 7171 followers, XX engagements "ICE Mortgage Technology also noted that refi retention hit a 3.5-year high (28%) in the third quarter with loan servicers retaining more than half of the borrowers refinancing out of XX vintage loans. And nonbank servicers are retaining homeowners at 3X the rate of banks" [X Link](https://x.com/mortgagetruth/status/1998063620350181571) 2025-12-08T16:14Z 7172 followers, XXX engagements "Rate and term refis accounted for XX% of all refinance activity in October the highest share in nearly five years. Some XX% of September/October r/t refis involved 2023-2025-era loans. On average they reduced their mortgage rate by XXXX% yielding monthly savings of $200" [X Link](https://x.com/mortgagetruth/status/1998068810486821273) 2025-12-08T16:35Z 7172 followers, XXX engagements "@levenson_david @jhoopstyscoop Im fine with it. I questioned why we didnt see more ARMs when the 30-year was XXX% to 8%. I have friends that took out ARMs at that time via CUs because it was way cheaper" [X Link](https://x.com/mortgagetruth/status/1998138409748255059) 2025-12-08T21:11Z 7172 followers, XXX engagements "A neighbor just delisted their property. Was first listed in mid-May and price was dropped twice before it was removed from the MLS in September. Then relisted that same day at a new lower price presumably to game the system (fresh listing) cut again in October and finally taken off market. What's interesting though is they bought in 2017 for much less and likely have a tiny outstanding loan amount and super low mortgage rate and could care less" [X Link](https://x.com/mortgagetruth/status/1998406612151930971) 2025-12-09T14:57Z 7171 followers, 17.9K engagements "@RogaineTrader @Solwoldjr74 I think it was mostly due to an unprecedented rise in rates never seen before in history. Never did mortgage rates nearly triple in less than two years. The percentage rise is unrivaled" [X Link](https://x.com/mortgagetruth/status/1998429407455904022) 2025-12-09T16:27Z 7171 followers, XX engagements "@Solwoldjr74 @RogaineTrader Btw that recession is another reason the housing market is healthier. We didn't force in millions of sales that shouldn't have happened these past few years. We did force many sales and bad refis in 2005-2007" [X Link](https://x.com/mortgagetruth/status/1998432170650824948) 2025-12-09T16:38Z 7171 followers, XX engagements "I have a weird feeling the Fed will cut tomorrow and mortgage rates will actually go down which hasn't happened lately. Why Because everyone is now so sure that when the Fed cuts mortgage rates go up" [X Link](https://x.com/mortgagetruth/status/1998447693673496981) 2025-12-09T17:40Z 7171 followers, 5096 engagements "@JLSteffaniak 4/5 the last Fed cuts mortgage rates went up. Law of averages" [X Link](https://x.com/mortgagetruth/status/1998453172453745099) 2025-12-09T18:02Z 7172 followers, XXX engagements "@ParmHomeLoans Im more concerned with the jobs report. Not expecting any grand movement tomorrow. Just the thought mortgage rates might not defy the Fed on the day as they have been recently" [X Link](https://x.com/mortgagetruth/status/1998492611074761100) 2025-12-09T20:39Z 7172 followers, XXX engagements "I feel like it was forever ago that people were talking about firing Jerome Powell. Just got nostalgic about it" [X Link](https://x.com/mortgagetruth/status/1998177479631261748) 2025-12-08T23:46Z 7172 followers, XXX engagements "A mortgage rate of X% vs. XXXX% probably does little to move the needle for a prospective home buyer. But the number of homeowners in the money to refinance jumps XX% between a rate of XXX% and 6.3%" [X Link](https://x.com/mortgagetruth/status/1998063080157356257) 2025-12-08T16:12Z 7172 followers, 13K engagements "@LenPenzo Except theres no long-term correlation between interest rates and home prices. For example prices and rates could rise together in tandem just like they can fall together if the economy slows" [X Link](https://x.com/mortgagetruth/status/1998492932526191095) 2025-12-09T20:40Z 7172 followers, XX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@mortgagetruth Colin Robertson
Colin Robertson posts on X about mortgage rate, arms, history, credit union the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.
Engagements: XXXXXX #
- X Week XXXXXX +59%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +49%
- X Year XXXXXXXXX +20%
Mentions: XX #
- X Month XXX -XX%
- X Months XXX +22%
- X Year XXXXX +9.60%
Followers: XXXXX #
- X Week XXXXX +0.18%
- X Month XXXXX +2%
- X Months XXXXX +16%
- X Year XXXXX +46%
CreatorRank: XXXXXXX #
Social Influence
Social category influence finance XXXXX%
Social topic influence mortgage rate #6, arms 3.08%, history 3.08%, credit union 1.54%, $1b 1.54%, home loans 1.54%, $300m 1.54%, travel 1.54%, products 1.54%, matter XXXX%
Top accounts mentioned or mentioned by @rogainetrader @loganmohtashami @texasrunnerdfw @mortconsumcoach @scottrayut @solwoldjr74 @profstonge @rob66733000 @lenpenzo @peterdjerf @levensondavid @jhoopstyscoop @johnwake @robertdobalina7 @iamjonbrooks @bayarearematt @mapatriot1630 @tawillionaire @jhphudson @homeloanbill
Top Social Posts
Top posts by engagements in the last XX hours
"@onechancefreedm This is why lower rates mostly benefit existing homeowners and not necessarily new home buyers. If even lower rates are accompanied by more stress in the labor market it won't do any good. These folks won't be able to buy nor feel comfortable to buy if the jobs aren't there"
X Link 2025-12-09T16:06Z 7172 followers, XXX engagements
"Apparently "The Great American Mortgage Corporation" is the new collective name for Fannie and Freddie. And Bill Ackman thinks a combined company could lead to lower mortgage rates for consumers. All somehow expected to happen in three months"
X Link 2025-08-10T18:39Z 7171 followers, 25.8K engagements
"@levenson_david @jhoopstyscoop Your average home buyer isnt gonna go with an arm even if its cheaper. Theres been cheaper arms for years. Another issue is non-banks have horrible arm pricing so your best bet is a credit union for an arm"
X Link 2025-12-08T20:41Z 7171 followers, XX engagements
"Interesting to see lenders offer a 15-year fixed for a full one percent less than a 30-year. Makes me wonder how high rates would be on a 50"
X Link 2025-12-01T16:28Z 7164 followers, XXX engagements
"NJ-based Absolute Home Mortgage Corp. to acquire MD-based Fidelity Direct Mortgage. Absolute funded $1B in home loans last year with nearly XX% of volume coming from their home state. Fidelity Direct funded $300M also with nearly XX% of volume coming from their home state"
X Link 2025-12-02T16:43Z 7165 followers, XXX engagements
"It's crazy just how little of the country actually needs high-cost home loan limits"
X Link 2025-12-03T14:27Z 7164 followers, 3327 engagements
"@MortConsumCoach I don't really think so. Loan limits are increased after the fact. The one argument you can make is they can't go down which seems kind of one-sided"
X Link 2025-12-03T19:23Z 7165 followers, XX engagements
"@texasrunnerDFW Appreciate you saying that given your typical slant towards a more gloomy outlook. Of course the best in four years isnt saying a whole lot either. 🤔"
X Link 2025-12-03T21:21Z 7164 followers, 2577 engagements
"@conorsen Youth travel sports is a monster. Will be interesting how it operates in a real recession"
X Link 2025-12-04T15:44Z 7163 followers, 5664 engagements
"Something to think about now vs. then. If this was 2006 we would have already rolled out a 50-year mortgage and other wacky loan products to "fix" the housing problem. Instead thanks to ATR/QM and lessons learned we're just letting home prices ease/fall and relying on time"
X Link 2025-12-05T15:08Z 7164 followers, 1791 engagements
"This comforts me knowing we aren't trying to force home sales through as we did back then. The only real "forcing" I see is builders offering massive rate buydowns. But even those are 30-year fixed-rate loans set at below market rates of 3.99%. Far cry from the slop in 2006"
X Link 2025-12-05T15:12Z 7165 followers, XXX engagements
"The fact home sales hit a roadblock these past couple years when rates/prices spiked is a healthy sign we aren't repeating history. Had they kept chugging along we would have had a big problem"
X Link 2025-12-05T15:19Z 7164 followers, XXX engagements
"@JohnWake Why If they like their home and stay in their home what does their Zestimate matter"
X Link 2025-12-08T16:00Z 7166 followers, XXX engagements
"@M_McDonough Seems to be coming down and even better once you factor inflation"
X Link 2025-12-08T21:00Z 7166 followers, XX engagements
"@HomeLoanBill Just occurred to me as I was looking through some old posts. Notice how T B & P stopped obsessing over getting mortgage rates down"
X Link 2025-12-09T00:39Z 7168 followers, XX engagements
"@RogaineTrader @Solwoldjr74 The Fed watching is just related to mortgage rates. And I noticed lately there's been a lot less watching. Seems rates in high 5s is enough to not care much anymore"
X Link 2025-12-09T16:13Z 7171 followers, XX engagements
"@JPBKUSA @texasrunnerDFW It already has gotten better. It might be a grind though. remember X% mortgage rates at higher asking prices in 2023 Today it's high-5 rates and lower prices. That's progress even if it's still expensive"
X Link 2025-12-09T16:23Z 7171 followers, XX engagements
"ICE Mortgage Technology also noted that refi retention hit a 3.5-year high (28%) in the third quarter with loan servicers retaining more than half of the borrowers refinancing out of XX vintage loans. And nonbank servicers are retaining homeowners at 3X the rate of banks"
X Link 2025-12-08T16:14Z 7172 followers, XXX engagements
"Rate and term refis accounted for XX% of all refinance activity in October the highest share in nearly five years. Some XX% of September/October r/t refis involved 2023-2025-era loans. On average they reduced their mortgage rate by XXXX% yielding monthly savings of $200"
X Link 2025-12-08T16:35Z 7172 followers, XXX engagements
"@levenson_david @jhoopstyscoop Im fine with it. I questioned why we didnt see more ARMs when the 30-year was XXX% to 8%. I have friends that took out ARMs at that time via CUs because it was way cheaper"
X Link 2025-12-08T21:11Z 7172 followers, XXX engagements
"A neighbor just delisted their property. Was first listed in mid-May and price was dropped twice before it was removed from the MLS in September. Then relisted that same day at a new lower price presumably to game the system (fresh listing) cut again in October and finally taken off market. What's interesting though is they bought in 2017 for much less and likely have a tiny outstanding loan amount and super low mortgage rate and could care less"
X Link 2025-12-09T14:57Z 7171 followers, 17.9K engagements
"@RogaineTrader @Solwoldjr74 I think it was mostly due to an unprecedented rise in rates never seen before in history. Never did mortgage rates nearly triple in less than two years. The percentage rise is unrivaled"
X Link 2025-12-09T16:27Z 7171 followers, XX engagements
"@Solwoldjr74 @RogaineTrader Btw that recession is another reason the housing market is healthier. We didn't force in millions of sales that shouldn't have happened these past few years. We did force many sales and bad refis in 2005-2007"
X Link 2025-12-09T16:38Z 7171 followers, XX engagements
"I have a weird feeling the Fed will cut tomorrow and mortgage rates will actually go down which hasn't happened lately. Why Because everyone is now so sure that when the Fed cuts mortgage rates go up"
X Link 2025-12-09T17:40Z 7171 followers, 5096 engagements
"@JLSteffaniak 4/5 the last Fed cuts mortgage rates went up. Law of averages"
X Link 2025-12-09T18:02Z 7172 followers, XXX engagements
"@ParmHomeLoans Im more concerned with the jobs report. Not expecting any grand movement tomorrow. Just the thought mortgage rates might not defy the Fed on the day as they have been recently"
X Link 2025-12-09T20:39Z 7172 followers, XXX engagements
"I feel like it was forever ago that people were talking about firing Jerome Powell. Just got nostalgic about it"
X Link 2025-12-08T23:46Z 7172 followers, XXX engagements
"A mortgage rate of X% vs. XXXX% probably does little to move the needle for a prospective home buyer. But the number of homeowners in the money to refinance jumps XX% between a rate of XXX% and 6.3%"
X Link 2025-12-08T16:12Z 7172 followers, 13K engagements
"@LenPenzo Except theres no long-term correlation between interest rates and home prices. For example prices and rates could rise together in tandem just like they can fall together if the economy slows"
X Link 2025-12-09T20:40Z 7172 followers, XX engagements