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SoFi (SOFI): Rate-Sensitive AI Lending Platform

Business Model: Lending-focused—mortgages, student loans, and debt consolidation.
AI Integration: Powers risk modeling and faster loan decisions at scale.
Rate Sensitivity: A 100bps cut could trigger demand spike in loans.
Price Projection: $10+ is realistic by year-end on rate easing & demand surge.

SoFi Loan Volume Index vs Fed Rate Trend