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BLUELINE Blog

Market Commentary: Optimal Blue Examines the Mid-Cycle Adjustment

At its July meeting, the Federal Open Market Committee (Fed) cut its baseline interest rate by 0.25%, its first rate cut in more than a decade. Since the last rate cut, they have executed three rounds of Quantitative Easing (QE), significantly reduced the balance sheet from [...]

Market Commentary: Rates Are Falling, Will It Continue?

With the 10-year treasury yield at 2% again, and the Federal Funds Rate (FFR) at 2.5%, it is natural for the rational mind to assume that this cannot go on for much longer. During normal market conditions, the treasury curve slopes upward; typically, short-term treasuries [...]

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 [...]

Market Commentary: The Impact of Low Rates on Lender Profitability

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: Monetary Policy Impact on the Mortgage Market

U.S. monetary policy is the purview of the Federal Reserve (Fed) and is broadly responsible for the health and stability of the economy. The Federal Reserve Open Market Committee (FOMC) is the group that decides the monetary policy that the Fed will implement in order to [...]

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 [...]

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 [...]

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 [...]