@Anonymous wrote:
Sorry meant to say 2018!!! Whoops!
Side note: you’re so helpful! Thanks so much again; it’s so comforting to hear from people that know so much about this stuff!
You're welcome. Everything I know, I've read here from myFICO and learned from it's members and contributors.
@Anonymous wrote:
This is what my gut was saying too. We don’t neeeed to do the pull this week because the closing date is 1/15. LO said we need to order the appraisal by the 18th at the latest so he said to pull not later than Monday. Do you by any chance know what the penalty might be, ballpark? Is it in single digits usually or hard to predict?
It's hard to predict. Score penalty is profile specific. It appears you have a reasonably high MMS 750/760. I can only guesstimate it would be a single digit penalty, say 1-9 points? It's a vague answer. Answering without knowing the answer. 
@Anonymous wrote:
Thank you, this is so helpful. One last question to ask you if I can: if that hard pull won’t drop my score for 30 days during the deduping period, and we are scheduled to close 1/15, what is the reason for your recommendation to wait until AZEO is in effect?
It was not knowing your credit profile. AZEO is recommended to optimize your score. Raising it as high as possible, squeezing every last available point out. Also, to allow a score buffer in case you are outside that dedupe time frame.
Good luck. Hope to read of your follow up. 
If you can get a better rate at 740, that would be great.
44% individual utilization is costing you say ~5 points. How is your aggregate utilization? Mortgage FICO scores definitely likes AZEO. If you have a lot of revolving accounts reporting a balance say 1/3 or more, you're being penalized. Your reports will update by Monday?
These are the aggregate scoring thresholds:
8.9%, 28.9%, 48.9%, 68.9%, 88.9%
Depending on profile. These are the individual scoring thresholds:
28.9%, 48.9%, 68.9%, 88.9%
I had to refresh my memory. 14, 30, 45 days depending on the scoring model.