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BLUELINE Blog

Market Commentary: Rates Falling, Are Volumes Responding?

Optimal Blue recently released a suite of indices known as the Optimal Blue Mortgage Market Indices (OBMMI™). These indices are calculated from actual locked rates with consumers across more than 30% of all mortgage transactions nationwide and are developed around the most [...]

Bid Tape: A Reflection & Tomorrow's Opportunity

/ by Don Brown

Some years ago, I authored an article in which I was advocating “the new” bid tape process and encouraged readers to give it a try. It seems a bit trite at this point, as so much has changed over the last few years. I feel obligated to revisit the status of this strategy and [...]

Social Media Compliance: Monitoring vs. Auditing

For those that are unfamiliar, there are a total of seven components to the Federal Financial Institutions Examination Council's guidance on social media compliance. Each element is vitally important to an organization's risk management program, with two of them – monitoring [...]

Who's at Risk? Originator License Renewal Concerns

As another renewal season quickly approaches, it is imperative to the wellbeing of your organization that you verify all counterparties with which you have a relationship, have correctly filed their recertification with all of the state agencies in which they operate. There [...]

A Loan Officers Guide to Secondary Marketing - Part II

/ by Don Brown

In my first post on this topic, A Loan Officers Guide to Secondary Marketing - Part I, I explain the difference between the primary and secondary markets through four key concepts. Let me reiterate, the common loan officer doesn't need, or want, to have a deep understanding [...]

The Digital Mortgage Marketplace Explained

/ by Scott Happ

In recent conversations, it has become clear that the concept of a Digital Mortgage Marketplace is widely acknowledged, though not clearly understood. I recently shared a few of the highlights at the 2018 Optimal Blue Client Conference, largely focused on the following [...]

4 Key Points to Consider When Transitioning from Best Efforts to Mandatory Delivery

Making the decision to transition from Best Efforts to Mandatory delivery is a process that begins well before an organization actually takes the leap. As you contemplate the right transition time and strategy for your organization, you will want to conduct a preliminary [...]

How Does a Credit Score Impact Loan Payments?

/ by Diane May

We all know that a borrower with a higher FICO score will get a better rate on their mortgage, but how much better? Consumers are always asking this question so we thought we would share our findings. The answer depends on the type of mortgage they are receiving.

Let me [...]

What You Should Know When Using Consumer Access℠

The NMLS Consumer Access website, a treasure trove of relevant and real-time information, could benefit many businesses in the industry if it was perhaps called the "All-Inclusive-Everyone-Is-Welcome-Mortgage-Access" website! However, under the 2008 Secure and Fair [...]

A Loan Officers Guide to Secondary Marketing - Part I

/ by Don Brown

Remember the HITCHHIKER'S GUIDE TO THE GALAXY? At the core of this story, written long before today's innate reliance on smart phones and tablets, was the idea that there was this incredibly useful, incredibly simplistic guide to the entire galaxy, with the information in it [...]