Optimal Blue. Modern. Proven.

INTEGRATION APIs

Create Custom Innovations With Our Extensive API Library

Facilitate a Seamless User Experience

"We use innovative APIs to improve investor execution and reduce costs,
without causing an extra burden on operations."
Juan Rodas

ICON-magnifyHouse

Return the best execution product and pricing for a consumer's given loan scenario

ICON-dollarPercent

Return all eligible and ineligible product with full rate and price for a given loan scenario

ICON-flow-chart

Create loans in the Optimal Blue pipeline and enable easy retrieval and sorting of pipelines

ICON-houseCheckmark

Manage initial lock request and support loan registration and lock expiration calculations

ICON-dataSet

Enable the creation, managment, and assignment of configured markup schedules

ICON-target-scope

Configurations and marketplace support services publish changes and ensure accuracy

Scenario Pricing APIs

BEST EXECUTION SEARCH RESULTS API

This API supports scaled and streamlined first-lien product and pricing data, simplifying the results displayed directly to the consumer and enabling the originator to open new avenues to advertise pricing.

  • Access all price, rate, lock period combinations, LLPAs, ratios, notes, and advisories, as well as a highlighted single best execution
  • Query total fees, including LO compensation. discount points, LLPAs, and aggregated totals
  • View monthly payments, monthly and annual MI premiums, and rate changes to meet Regulation Z advertising requirements

 

COMPLETE SEARCH RESULTS API

This API supports a richer data set and library of calls, including QM testing, best price and all eligible product scenarios for first-lien searches. Subsequent calls for additional details are also supported.

  • Access all eligible products for each scenario, as well as QM status, discount points, and specific investor guidelines documents
  • Retrieve itemized and configured fees that impact APR, as well as LO compensation, discount points, LLPAs, and aggregated totals like closing costs
  • Determine ineligible products with granular and detailed information on specific disqualifications

Pipeline & Lock Management APIs

LOAN & PIPELINE MANAGEMENT API

This API supports the creation and management of first-lien loans within the Optimal Blue pipeline and allows for easy retrieval and sorting of loans.

  • Create, update, and filter loans quickly and efficiently with an array of available API calls
  • Access and collect detailed loan history and loan-level data on all changes to loan inputs, ARM attributes, pricing data, itemized adjustments, LO compensation, and fees
  • Revalidate eligibility and pricing by comparing with existing data on the loan, and more

 

LOCK MANAGEMENT API

This API supports the registration of a first-lien product to a loan, the initial lock submission, lock desk support, and lock expiration calculations.

  • Integrate an automated lock workflow with any internal systems to lock loans faster and from anywhere, even on the go
  • Validate rate, price, and lock period combinations to confirm accuracy at the time of the lock
  • Benefit from customizable configuration options and business-specific controls to streamline efficiencies

Post Lock Management APIs

CHANGE REQUEST MANAGEMENT API

This API supports change request submissions and granular configuration options that correspond to company policies for post lock changes and worse case pricing evaluations.

  • Search for products and pricing after lock, returning current, historical (at time of lock), or worse case blended pricing
  • View detailed logs of change request submissions and itemized history, induding pending profile changes and all detailed fluctuations of what loan inputs have changed
  • Additional calls can return all detailed pricing data, such as price, rate, and lock period combinations

 

HISTORICAL PRICING API

This API supports the ability to invoke historical pricing searches via a specific loan ID or scenario. Results include historical pricing for the provided scenario, date, and time.

  • Access an enhanced system of historical pricing components for any number of scenarios
  • Search product and pricing data for any given date and time to effectively validate price quotes or research price changes throughout the life of the loan
  • Additional calls return detailed pricing information for a product, including all price, rate, lock period combinations for the requested product as well as any adjustments

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