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DATA SOLUTIONS

Data and Analytics Solutions

ORIGINATOR PRICING INSIGHT(SM)
Allows you to compare your pricing and eligibility strategies to competitors with real-time benchmarking data collected via anonymized, search-based pricing information.

WHO IT'S FOR

  • Lenders with retail business channels using the Optimal Blue® PPE

PROBLEMS IT SOLVES

  • Uninformed pricing strategies
  • Inaccurate benchmarking data from “honor system” surveys

FEATURES AND BENEFITS

  • View actionable pricing data in a concise, visual 
    format for instant comparisons
  • Configure scheduled reports daily or run live 
    searches instantly
  • Compete confidently and evaluate strategies with 
    real-time, actual data
  • Evaluate whether factors beyond pricing are 
    impacting competitive position
  • Complete granular searches by MSA, loan 
    characteristics, and market conditions

INVESTOR PRICING INSIGHT(SM)
Allows you to compare your pricing and eligibility strategies to competitors with real-time benchmarking data collected via a contributory model.

WHO IT'S FOR

  • Wholesale and correspondent investors that distribute products and pricing to the Optimal Blue PPE and/or Loansifter® PPE

PROBLEMS IT SOLVES

  • Uninformed pricing strategies
  • Inaccurate benchmarking data from “honor system” surveys

FEATURES AND BENEFITS

  • View actionable pricing data in a concise, visual 
    format for instant comparisons
  • Configure scheduled reports daily or run live 
    searches instantly
  • Evaluate whether factors beyond pricing are
    impacting competitive position
  • Compete confidently and evaluate strategies with real-time, actual data
  • Narrow searches by loan characteristics and market conditions

ENTERPRISE ANALYTICS AND ENTERPRISE DATA LICENSE
Gives you managerial and operational visibility into daily secondary activity with actionable data you can use to evaluate trends, monitor activity, strategize more effectively, and make the most profitable decisions. Enterprise Data License provides automated, “do-it-yourself” access to raw data from your internal data warehouse to support custom analytics and integrate with in-house visualization solutions.

WHO IT'S FOR

  • Lenders using the Optimal Blue PPE

PROBLEMS IT SOLVES

  • Organizational inefficiencies
  • Unidentified and/or mismanaged margin
    leakage, including day-one margin
    separation
  • Monitoring pricing activity in relation to fair lending policies

FEATURES AND BENEFITS

  • Track lock volume from initial lock through
    funding, as well as margins, change requests and
    price concessions by location and employee
  • Evaluate strategies and trends in real time
  • Understand the components of profitability
  • Adapt to market forces quickly to optimize profitability
  • Retrieve data and run queries and advanced
    analytics internally

COMPETITIVE ANALYTICS
Allows you to benchmark pricing, volumes, and loan composition against the market to assess the effectiveness of strategies.

WHO IT'S FOR

  • Lenders using the Optimal Blue PPE

PROBLEMS IT SOLVES

  • Benchmarking based on outdated and inaccurate survey data
  • Rate and price comparisons that aren’t broadly representative of the market
  • Missed profitability opportunities due to unreliable data

FEATURES AND BENEFITS

  • Assess real-time lock activity representative of 40% of the marketplace
  • View loan production trends across specific time periods
  • Compare and chart by loan-level parameters
  • Gauge performance confidently and accurately
  • Leverage location-based MSA data for targeted comparisons
  • Benchmark configured business channels and branch behavior against the market

COMPETITIVE DATA ANALYTICS
With access to granular pricing data, post-lock intelligence, and competitive analytics, you can confidently set competitive rates, maximize profitability, and respond quickly to market changes.

WHO IT'S FOR

  • Lenders using the Optimal Blue PPE

PROBLEMS IT SOLVES

  • Limited visibility into the intricate details of loan pricing
  • Inability to assess performance relative to competitors and industry benchmarks
  • Lack of real-time visibility into market changes post-lock
  • Ability to establish a true competitive advantage in market

FEATURES AND BENEFITS

  • Provides full granularity on pricing metrics, including Markups, LLPAs, SRP, Concessions, LO Comp, Base Price, and PAR Rate
  • Enables benchmarking at various levels – organization, branch/channel, or loan officer
  • Equips lenders with post-lock intel, allowing them to adjust strategies based on market shifts.
  • Gain insights into pricing strategies, compare against peers, and identify areas to enhance competitiveness

MARKET DATA LICENSE AND MARKET ANALYTICS
Provides “do-it-yourself” access to raw lock data (Market Data License) or an intuitive user interface (Market Analytics) derived from the Optimal Blue PPE that facilitates advanced price and volume benchmarking against the market.

WHO IT'S FOR

  • Any institution interested in mortgage data

PROBLEMS IT SOLVES

  • Pricing that isn’t optimized for margin and volume management
  • Pricing strategies that aren’t competitive across all products and geographies
  • Incomplete price elasticity models
  • Lack of real-time clarity into origination activity across products and geographies

FEATURES AND BENEFITS

  • Access loan-level information daily via SFTP
  • Search 60+ variables for each loan including product,
    pricing, credit, property, and occupancy
  • View the earliest, most comprehensive primary market data, as well as changing production trends
  • Predict macroeconomic housing and trends
  • Gain a better understanding of borrower composition and identify the right geographies and demographics to target
  • Conduct advanced market share tracking and management

CAPTURE(SM)
Supports recapture strategies by proactively monitoring portfolios for loans that could benefit from refinance based on a borrower’s specific equity position and/or current first-lien.

WHO IT'S FOR

  • Lenders using the Optimal Blue PPE

PROBLEMS IT SOLVES

  • Low recapture and retention rates
  • Origination volume in competitive markets

FEATURES AND BENEFITS

  • Identify actionable leads and conduct timely outreach with personalized pricing
  • Increase recapture and retention rates with automated lead generation
  • Automatically offer borrowers near-real-time pricing via the Optimal Blue PPE

MANDATORY ANALYTICS
Gives secondary market investors access to an interactive dashboard for strategic analysis and benchmarking of mandatory commitments.

WHO IT'S FOR

  • Investors bidding through Resitrader

PROBLEMS IT SOLVES

  • Unidentified areas of underperformance
  • Gaps in execution strategies
  • Lack of execution comparisons

FEATURES AND BENEFITS

  • View ongoing and historical pricing comparisons on potential and actual executions
  • Measure the success of executions in comparison to overall market performance, down to the loan level
  • Gain clarity on the competitiveness of executions and isolate gaps in strategies

This information is subject to change at any time and without notice.