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BLUELINE Blog

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 [...]

Automating the Secondary Marketing Function: Part II

/ by Scott Happ

In the previous blog post on this subject, we covered how most loans in the U.S. mortgage market are sold to secondary market investors during or immediately following the origination process. The complexity that follows creates a series of functional requirements for [...]

Market Commentary: The Impact of Rates, Seasonality, and Appreciation on Mortgage Volumes

Mortgage originations are booming! While this is primarily fueled by the most recent refi boom, there are other aspects to this that, right now, are also favorable and adding fuel to the fire. The loan purpose is one of the main determinants of how volume will be affected by [...]

Automating the Secondary Marketing Function: Part I

/ by Scott Happ

In the U.S. mortgage market, most loans are sold to secondary market investors during or immediately following the origination process. Although elementary to some, this structural characteristic creates a series of functional requirements for lenders which are generally [...]