BLUELINE Blog

In the Game of Recapture, Your Data is the MVP

07 April, 2021 / by Mike Vough

It’s cheap, yet valuable. It’s critical to retention, yet easily accessible.

It’s Time to Prepare for Pushback on N/O/O and other “High-Risk” Mortgage Acquisitions

11 March, 2021 / by Jim Glennon

Published March 11, 2021

What’s Hiding in the Shadows of Your Company’s Online Reputation?

19 February, 2021 / by Admin

For better or worse, social media has blurred the boundaries between the personal and professional lives of many individuals. Some will proudly affix their employer’s name to their profiles, and then proceed to post and engage with content ranging from the weather to [...]

API Webhooks Usher New Frontier for Real-Time, Automated Data Transactions

02 February, 2021 / by Erin Wester

The last time you asked for something – such as your morning coffee or a table at a restaurant – you put in your request and waited to be told when it was ready. Imagine your frustration, though, if you had to check back with the barista or host every few minutes to see if what [...]

Impact on Mortgage Rates from Rising 10-Year Treasury Yields

23 November, 2020 / by Brennan O’Connell

Early on in response to the COVID-19 pandemic, the Federal Reservere-engaged quantitative easing measures, injecting liquidity into the market and driving the 10-year Treasury to ~50 bps andmortgage ratesbelow 3% for the first time. In the months since, interest rates have [...]

How Often Should MSRs Be Valued?

15 October, 2020 / by Admin

Mortgage servicing rights (MSR) are an important asset for many financial institutions and may be the largest asset for many independent mortgage banks. MSR portfolios provide substantial revenue and can also play a role in offsetting risk on the production side of the business [...]

The Bifurcation of Refinance and Purchase Rates

13 October, 2020 / by Brennan O’Connell

Published October 13, 2020

Historically, there has been little to no difference in refinance and purchase rates. A borrower looking to do a rate-term refinance on a primary residence would typically be offered the same rate as they would for a purchase loan on the same [...]

Solving Agency Loan Pool-Level Constraints

03 October, 2020 / by Admin

To improve a financial institution’s overall performance, incorporating the secondary market into balance sheet strategies is critical. To do that, lenders and investors buy and sell securities in the secondary market that are collateralized by pooled mortgage loans. Pooling [...]

The Risks & Rewards of Social Media in Mortgage

16 September, 2020 / by Nicholas Sublett

Published September 16, 2020

As social media becomes more pervasive, it presents an enormous opportunity to engage on these platforms with potential homebuyers. While it’s thought to be dominated by the younger generation, research shows that individuals of all ages are engaged [...]

Social Media for Loan Officers—Building Your Brand

29 July, 2020 / by Blake Baxter

Published July 30, 2020

Maintaining an active presence on social media—although voluntary—is essentially required in today's digital era, especially for businesses that thrive on building and sustaining relationships. Ask any marketer and they will tell you the critical role [...]