BLUELINE Blog

COVID-19 and its Impact on Today's Mortgage Pipelines

The COVID-19 (Coronavirus Disease 2019) pandemic throughout the world continues to become more critical by the day and most experts predict things will get worse before they get better. The impact on society, the world economy, and our industry remain to be seen, but the [...]

Emergency Actions in Response to COVID-19 & the Implications of the Policy Actions

In response to the COVID-19 (Coronavirus Disease 2019) pandemic, global economic conditions, and the economic uncertainty that social isolation protocols have induced, the Federal Reserve Open Market Committee (FOMC) just made its second emergency rate cut over the past two [...]

Market Volatility and the Anatomy of Mortgage Rates

Published March 18, 2020

Optimal Blue recently co-authored an article with Andrew Davidson & Co., Inc. (AD&Co), a leading provider of risk analytics and consulting for residential lending and MBS, titled Market Volatility and the Anatomy of Mortgage Rates. This timely article [...]

Thoughts from the Desk...

Together we are living, working, and fighting through a yet to be written new chapter in history and we are facing new challenges at every turn. COVID-19 (Coronavirus Disease 2019) has claimed over 7,000 lives, demanded factory shutdowns, quarantines and isolation, and [...]

Records!!

It’s obvious that whoever pens the record books for financial stats is going to have a hand cramp after the past couple of weeks. The equity and commodities markets selling off extraordinary amounts, as well as the unprecedented moves in equities and bonds have us reeling [...]

Market Commentary: Economic Outlook & the Impact of Global Politics

The Federal Reserve has made clear after its last meeting of 2019 that it will be in a holding period for most of 2020 as it assesses the impact of their policy moves on the economy. They will likely use this time to debate how best to respond to the next economic downturn [...]

Four TPO Mistakes To Avoid & Corrective Actions for Partner Success

As market trends and compliance regulations continue to ebb and flow, having a strong counterparty oversight program in place is key to maintaining productive, healthy, and cost-effective business relationships. Investors historically migrate in and out of third-party [...]

Market Commentary: The Impact of Lock Pull-Through on Hedge Performance & Profitability

When an interest rate on a mortgage is locked with the borrower, the loan origination process is far from complete or pre-determined. Circumstances may arise that jeopardize the likelihood that the loan will close. The underwriter could find the borrower to be unqualified, a [...]

Automating the Secondary Marketing Function: Part III

/ by Scott Happ

Here we go, the last segment on the importance of automating your secondary marketing functions! When combined in any sequence, all eight reasons can provide lenders with improved processes, the ability to evalute lending strategies and a significant competitive advantage.  I [...]

Market Commentary: The Impact of Rate Movement and Loan Characteristics on Servicing Value

In terms of the secondary market, a mortgage loan is essentially made up of two separate parts, the loan asset and the servicing asset – which may be split up, packaged, and sold separately. The largest of the two pieces is the loan asset, which is cashflow of the loan [...]