Daniel Sorensen

About Daniel

Daniel spent 12 years as a fixed-income analyst at a mid-size Wall Street investment firm, where he built pricing models for corporate bonds and evaluated credit risk across portfolios worth billions of dollars. He left the trading desk to write independently, bringing the same analytical rigor to consumer finance that he once applied to institutional markets. His work has appeared in major business publications, and he treats every article like a research report: the data comes first, the conclusion follows, and nothing gets published unless the numbers hold up under scrutiny. Daniel covers the structural side of lending: how interest rates are set, why the same borrower gets wildly different offers from different lenders, and what the fine print actually means in dollar terms. He is particularly focused on the gap between how financial products are marketed and how they actually perform.