Chief Financial Officer Rodrigo Pinto provided macro context, saying the average 30-year fixed mortgage rate fell from about 6.43% in early October to 6.32% at the end of December, while 10-year U.S. Treasury yields rose slightly from 4.1% to roughly 4.15%. Pinto said the spread between 30-year mortgage rates and the 10-year yield narrowed by around 20 basis points to approximately 200 basis points, which he described as progress toward the long-term historical average spread of 170 basis points.Lang noted ...