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About
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Products

Product & Pricing for Mortgage LendersEnterprise PPE for pricing, locking, & margin management
Product & Pricing for Mortgage BrokersTurnkey PPE for pricing & borrower engagement with Loansifter
Hedging & TradingMitigate pipeline risk and simplify loan sales
CaptureIncrease production and recapture business
Compliance & Counterparty OversightAutomate oversight to protect and monitor lenders with Comergence
MSR ValuationGain visibility into MSR portfolios

Platform

AI & AutomationTransform lending with intelligent automation
Market Data & Business IntelligenceReal-time insights on mortgage pricing and demand
Integrations & APIsConnect systems with flexibility and accuracy
Latest InnovationsExplore our latest purpose-built, modern tech solutions

Partner

Partner NetworkAccess the largest secondary marketing network, turnkey connections with leading technology vendors

By Institution Type

IMB
Bank
Credit Union
Broker

By Role

Originator
Executive
Investor
Partner
Capital Markets
Broker
Operational Admin
Developer
Servicer

Learn

Blog
Webinars
Research & Reports
Optimal Insights
Market Advantage

Connect

Optimal Blue Summit
Industry Events
Connect With Us

Indices

Mortgage Market Indices (OBMMI)
30-Year Fixed Rate Conforming Index
About
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Products

  • Product & Pricing for Mortgage Lenders
  • Product & Pricing for Mortgage Brokers
  • Hedging & Trading
  • Market Data & Business Intelligence
  • Compliance & Counterparty Oversight
  • MSR Valuation

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  • Partner Network
  • Integrations & APIs
  • Latest Innovations
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Plano, TX 75024
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Chevy Chase, MD 20815
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Mequon, WI 53092
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San Francisco, CA 94108

OPTIMAL INSIGHTS BLOG


Proven Expertise. Real Insights.

Welcome to the Optimal Insights blog – your trusted source for expert perspectives, practical strategies, and timely analysis from Optimal Blue. Our mission is to empower mortgage professionals with the knowledge and clarity needed to navigate an ever-evolving market.

Subscribe below to receive the latest articles delivered straight to your inbox, and connect with us on LinkedIn to join the conversation.

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December 3, 2025

Shutdown Aftershocks and the Fed’s Next Move | Key Insights from Optimal Insights | Dec. 1

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November 26, 2025

Fed Rate Outlook, MSR Market Shifts & Home Equity Trends | Key Insights from Optimal Insights | Nov. 24

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November 19, 2025

Government’s Back, Fed’s Talking, FHFA’s Buzzing + Market Advantage | Key Insights from Optimal Insights | Nov. 17

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Mobile Locking Blog v1
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November 14, 2025

Lock Loans Anytime, Anywhere: Introducing Mobile Locking

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ep 58 – 11.10.252
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November 12, 2025

Shutdown Signals, Affordability, and the Future of Mortgage with Anita Padilla-Fitzgerald | Key Insights from Optimal Insights | Nov. 10, 2025

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November 5, 2025

Macro Crosscurrents: Inflation, Interest Rates, and International Relations | Key Insights from Optimal Insights | Nov. 3, 2025

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November 3, 2025

Beeline Loans nearly doubles margins in just months with Optimal Blue

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October 29, 2025

The Calm Before the Fed: MBA Annual Recap, FHFA Pricing & Sparse Data | Key Insights from Optimal Insights | Oct. 27, 2025

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October 22, 2025

Economic Crossfire: Shutdowns, Trade Tensions & Banking Jitters | Key Insights from Optimal Insights | Oct. 21, 2025

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October 20, 2025

Modern. Proven. Five New Innovations Delivering Results for Lenders

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October 15, 2025

Trade Tensions Reignite: China and the U.S. Back in the Ring | Key Insights from Optimal Insights | Oct. 13, 2025

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October 8, 2025

Tradeweb’s Justin Monahan on MBS Liquidity | Shutdown & Fed Policy | Optimal Insights – Oct. 6, 2025

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October 1, 2025

Taylor Rule Talk + ACUMA Highlights | Key Insights from Optimal Insights | Sept. 29, 2025

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September 30, 2025

Confident Rate Quoting Starts With Reliable Data

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episode 51 – 09.22 Recap
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September 24, 2025

The Third Mandate and the Fed's Latest Moves | Key Insights from Optimal Insights | Sept. 22, 2025

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Ep 50 Recap
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September 17, 2025

The Pulse of the Market: Interest Rates & Forum Reflections | Key Insights from Optimal Insights | Sept. 15, 2025

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Episode 49 0908252
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September 10, 2025

Lower Rates Ahead? Breaking Down the Economic Signals | Key Insights from Optimal Insights | Sept. 8, 2025

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Episode 48 Recap
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September 3, 2025

Post–Labor Day Market Watch: Fed Drama and Economic Signals | Key Insights from Optimal Insights | Sept. 2, 2025

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Episode 47 Recap
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August 27, 2025

Shifting Tides: Rates, Jobs, and AI Momentum | Key Insights from Optimal Insights | August 25, 2025

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August 20, 2025

Market Trends, Consumer Sentiment & Optimal Blue’s Exciting Rebrand | Key Insights from Optimal Insights | August 18, 2025

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August 13, 2025

Tariffs, Rate Cuts, and the Fannie-Freddie IPO | Key Insights from Optimal Insights | August 11, 2025

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August 6, 2025

Foggy Data, Clear Consequences | Key Insights from Optimal Insights | August 4, 2025

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July 30, 2025

Navigating the Non-QM Landscape | Key Insights from Optimal Insights | July 28, 2025

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July 23, 2025

The Power of Connection in Lending | Key Insights from Optimal Insights | July 21, 2025

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July 16, 2025

From Vision to Reality: Joe Tyrrell on Embracing AI and Automation | Key Insights from Optimal Insights | July 14, 2025

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July 9, 2025

Fiscal Firepower and the Future of Interest Rates | Key Insights from Optimal Insights | July 7, 2025

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July 2, 2025

Do ARMs Have Legs in This Market? | Key Insights from Optimal Insights | June 30, 2025

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June 18, 2025

The Cost of Borrowing: How Personal & Public Spending Shape Interest Rates | Key Insights from Optimal Insights | June 16, 2025

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June 11, 2025

The Art of the Complex Loan: Vince Zenner on Non-QM Strategy | Market Updates – Key Insights from Optimal Insights | June 9, 2025

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June 4, 2025

Global Pressures, Sticky Rates: Forces Driving Interest Rates Higher – Key Insights from Optimal Insights | June 2, 2025

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June 3, 2025

4 Ways Data Creates Value Across Your Organization

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May 28, 2025

Recap: Market Disruptors, GSE Shakeups, and Insights from MBA Secondary – Key Insights from Optimal Insights | May 27, 2025

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May 22, 2025

Choosing the Right Tech Partner: Modern Technology. Proven Experience.

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May 21, 2025

Recap: AI Unpacked: Leveraging AI to Transform Mortgage Operations – Key Insights from Optimal Insights | May 19, 2025

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Success With TBA Trading Managing Counterparties, Executing Efficiently, and Avoiding Pitfalls
hedging
April 22, 2025

Success With TBA Trading: Managing Counterparties, Executing Efficiently, and Avoiding Pitfalls

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Recap Navigating Economic Uncertainty and Rising Delinquencies | Optimal Insights | March 24, 2025
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March 24, 2025

Recap: Navigating Economic Uncertainty and Rising Delinquencies | Optimal Insights | March 24, 2025

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Recap Navigating Tariff Induced Market Volatility | Optimal Insights | March 17, 2025
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March 17, 2025

Recap: Navigating Tariff-Induced Market Volatility | Optimal Insights | March 17, 2025

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Recap Mortgage Market Trends and Down Payment Assistance with Rob Chrane Optimal Insights | March 10, 2025
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March 10, 2025

Recap: Mortgage Market Trends and Down Payment Assistance with Rob Chrane: Optimal Insights | March 10, 2025

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Recap Market Movers | What You Need to Know This Week in the Mortgage Industry Optimal Insights | March 3, 2025
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March 3, 2025

Recap: Market Movers | What You Need to Know This Week in the Mortgage Industry: Optimal Insights | March 3, 2025

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Recap Economic Landscape Unpacked | What You Need to Know This Week | Optimal Insights | Feb. 24, 2025
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February 24, 2025

Recap: Economic Landscape Unpacked | What You Need to Know This Week | Optimal Insights | Feb. 24, 2025

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Understanding Builder Forward Commitments What You Need to Know This Week | Optimal Insights | Feb. 18, 2025
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February 18, 2025

Understanding Builder Forward Commitments: What You Need to Know This Week | Optimal Insights | Feb. 18, 2025

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What You Need to Know This Week Market Data & Federal Policies | Optimal Insights | Feb. 10, 2025
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February 10, 2025

What You Need to Know This Week: Market Data & Federal Policies | Optimal Insights | Feb. 10, 2025

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What You Need to Know This Week Tariffs and AI Developments | Optimal Insights | Feb. 3, 2025
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February 3, 2025

What You Need to Know This Week: Tariffs and AI Developments | Optimal Insights | Feb. 3, 2025

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What You Need to Know This Week Impact of CA Fires on Industry | Optimal Insights | Jan. 27, 2025
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January 27, 2025

What You Need to Know This Week: Impact of CA Fires on Industry | Optimal Insights | Jan. 27, 2025

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What You Need to Know This Week New OBMMI Mortgage Rate Futures | Optimal Insights | Jan. 21, 2025
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January 21, 2025

What You Need to Know This Week: New OBMMI Mortgage Rate Futures | Optimal Insights | Jan. 21, 2025

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Tariffs and Housing Exploring the Impact of Trade Policies on the U.S. Economy and Housing Market
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January 16, 2025

Tariffs and Housing: Exploring the Impact of Trade Policies on the U.S. Economy and Housing Market

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Embracing Innovation and Preparedness Optimal Blue’s Blueprint for the Future
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January 16, 2025

Embracing Innovation and Preparedness: Optimal Blue’s Blueprint for the Future

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What You Need to Know This Week Understanding Jobs, Inflation, and Interest Rates | Optimal Insights | Jan. 13, 2025
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January 13, 2025

What You Need to Know This Week: Understanding Jobs, Inflation, and Interest Rates | Optimal Insights | Jan. 13, 2025

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Data Can Make You a ‘Lender for Life’
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January 7, 2025

Data Can Make You a ‘Lender for Life’

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What You Need to Know This Week + Conversation with CapitalW Collective | Optimal Insights | Jan. 6, 2025
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January 6, 2025

What You Need to Know This Week + Conversation with CapitalW Collective | Optimal Insights | Jan. 6, 2025

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What You Need to Know This Week Looking Ahead to 2025 | Optimal Insights | Dec. 23, 2024
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December 23, 2024

What You Need to Know This Week: Looking Ahead to 2025 | Optimal Insights | Dec. 23, 2024

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How Rate Sheets Are Evolving With Investor Preferences
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December 19, 2024

How Rate Sheets Are Evolving With Investor Preferences

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What You Need to Know This Week Reflections on 2024 | Optimal Insights | Dec. 16, 2024
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December 16, 2024

What You Need to Know This Week: Reflections on 2024 | Optimal Insights | Dec. 16, 2024

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Five Strategic Advantages When Planning for 2025
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December 11, 2024

Five Strategic Advantages When Planning for 2025

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What You Need to Know This Week The Impacts of Tariffs on the Economy and Housing | Optimal Insights | Dec. 9, 2024
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December 9, 2024

What You Need to Know This Week: The Impacts of Tariffs on the Economy and Housing | Optimal Insights | Dec. 9, 2024

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What You Need to Know This Week Unpacking the 2025 FHFA Loan Limits | Optimal Insights | Dec. 2, 2024
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December 2, 2024

What You Need to Know This Week: Unpacking the 2025 FHFA Loan Limits | Optimal Insights | Dec. 2, 2024

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What You Need to Know This Week Current State of MSRs and Recapture | Optimal Insights | Nov. 25, 2024
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November 18, 2024

What You Need to Know This Week: Current State of MSRs and Recapture | Optimal Insights | Nov. 25, 2024

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What You Need to Know This Week What are Mortgage Servicing Rights and Why Should Originators Care? | Optimal Insights | Nov. 18, 2024
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November 18, 2024

What You Need to Know This Week: What are Mortgage Servicing Rights and Why Should Originators Care? | Optimal Insights | Nov. 18, 2024

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What You Need to Know This Week Demystifying Hedging Strategies | Optimal Insights | Nov. 11, 2024
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November 11, 2024

What You Need to Know This Week: Demystifying Hedging Strategies | Optimal Insights | Nov. 11, 2024

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Maximizing Lender Profitability Through Value Driven Innovation
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September 13, 2024

Maximizing Lender Profitability Through Value-Driven Innovation

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As rates drop and refis heat up, recapture borrowers with technology that helps you know who to call and what to say
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September 5, 2024

As rates drop and refis heat up, recapture borrowers with technology that helps you know who to call and what to say

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June 25, 2024

Drive Efficiency and Profitability With Optimal Blue’s Competitive Data License

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May 20, 2024

It’s Time to Optimize Your Advantage With Optimal Blue

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May 20, 2024

3 Essential Elements You Need in a Capital Markets Platform

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May 20, 2024

Optimize Your Advantage with Unrivaled Pricing Accuracy

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Real Time Data
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May 20, 2024

Optimize Your Advantage with Real-Time Data

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Pipeline Risk Management
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May 20, 2024

Optimize Your Advantage With Pipeline Risk Management

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November 27, 2023

Best Efforts to Mandatory Spread: Determining the Risk and Reward of Pipeline Hedging

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February 9, 2023

Advantages of Real-Time MSR Data and the Impact on MSR Valuations

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June 15, 2022

3 Characteristics of a Quality Mortgage Pricing Data Source

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April 25, 2022

Taking Loan Pricing From Reactive to Proactive with Real-Time Data

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April 18, 2022

Trusting Your Hedge System in Today’s Volatile Marketplace

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April 14, 2022

Free White Paper – Five Key Components Of A Successful PPE

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March 29, 2022

Navigating The Risk Of Interest Rate Lock Commitments

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March 15, 2022

It’s a Lock: New White Paper Examines How Rate Lock Data Can Help Manage Portfolio Risk

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March 15, 2022

Buy-Downs Rise With Shift to Cash-Out Refis

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February 15, 2022

4 Concepts to Consider When Refining Your Hedging Strategy

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January 6, 2022

How Will the Latest FHFA Pricing Changes Impact You and Your Borrowers?

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December 23, 2021

Riding the Latest Margin Compression Wave

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October 19, 2021

5 Reasons to Include Broker-Managed Assumptions in Your MSR Valuation

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