Optimal Blue

OPTIMAL BLUEManage supplier listing

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.