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Optimal Blue — Nationwide mortgage rate-lock and secondary-market execution panel, captured at the point of origination decision. As the dominant product-and-pricing engine used by lenders, it sees lock-level data before funding: lock volumes split purchase versus refinance and rate-and-term versus cash-out, locked rates by product (conforming, jumbo, FHA, VA), pricing-tier outcomes, and the securitisation execution channel chosen (agency cash window, aggregators, agency MBS), plus mortgage servicing right valuations. Coverage is roughly 40% of all U.S. mortgage locks and over $1.1 trillion l…
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Nationwide mortgage rate-lock and secondary-market execution panel, captured at the point of origination decision. As the dominant product-and-pricing engine used by lenders, it sees lock-level data before funding: lock volumes split purchase versus refinance and rate-and-term versus cash-out, locked rates by product (conforming, jumbo, FHA, VA), pricing-tier outcomes, and the securitisation execution channel chosen (agency cash window, aggregators, agency MBS), plus mortgage servicing right valuations. Coverage is roughly 40% of all U.S. mortgage locks and over $1.1 trillion locked and traded annually across more than 3,500 lenders, described by the company as direct-source data from its own pricing and hedging/trading systems rather than a survey or a scraped feed. The published index series (OBMMI) is already the settlement benchmark for CME Group mortgage-rate futures, and the monthly report has added borrower-mix dimensions including property type, debt-to-income ratio and first-time-buyer status.
From 20 yearsCoverage Information Technology · FinancialsAsset class Fixed income · Structured products · Derivatives
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Optimal Blue — Nationwide mortgage rate-lock and secondary-market execution panel, captured at the point of origination decision. As the dominant product-and-pricing engine used by lenders, it sees lock-level data before funding: lock volumes split purchase versus refinance and rate-and-term versus cash-out, locked rates by product (conforming, jumbo, FHA, VA), pricing-tier outcomes, and the securitisation execution channel chosen (agency cash window, aggregators, agency MBS), plus mortgage servicing right valuations. Coverage is roughly 40% of all U.S. mortgage locks and over $1.1 trillion l…
Optimal Blue offers (Alternative, Price, Fundamental, Reference) — over $1.1 trillion in annual mortgage lock and trading volume across 3,500+ lenders representing roughly 40% of U.S. locks — implying millions of individual lock events per year, each carrying product, rate, pricing-tier, eligibility and execution-channel attributes, plus a multi-year lock and rate history the CEO has publicly described as unique company access..
Direct uses: mortgage-originations demand nowcasting weeks ahead of industry and government publications, since lock data precedes origination and HMDA by months; refinance-pipeline sizing as a function of rate moves, which is the single most valuable predictive input for lender revenue models; borrower price-elasticity estimation from observed lock response to rate changes; mortgage-bond and hedging model calibration using realised execution-channel mix and pricing-tier attainment; MSR valuation and trading models; and mortgage-credit and servicing investment strategy from borrower-mix shifts such as first-time-buyer and debt-to-income trends. It is also already trusted as a settlement benchmark for exchange-traded derivatives, which is the strongest possible validation of its use in quantitative products.
The data is with 20 years of history.
Coverage spans US, Other; Data Processing & Outsourced Services, Mortgage Finance; alternative, price, fundamental, reference; fixed_income, structured_products, derivatives, equities.
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