Buy-Downs Rise With Shift to Cash-Out Refis

15 March, 2022 / by Brennan O’Connell

Published March 15, 2022

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

24 September, 2019 / by Michael Clark, Ph.D.

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 [...]

Market Commentary: The Impact of Low Rates on Lender Profitability

26 June, 2019 / by Michael Clark, Ph.D.

Consider the direct impact of our recent favorable rate trend on lender profitability. In the paragraphs below, we examine how lower mortgage rates can equate to higher margins for lenders as seen through the primary-secondary spread.

Market Commentary: Rates Falling, Are Volumes Responding?

02 May, 2019 / by Michael Clark, Ph.D.

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 [...]