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Global Pressures, Sticky Rates: Forces Driving Interest Rates Higher | Optimal Insights | June 2, 2025
In this episode of Optimal Insights, Jim Glennon is joined by Jeff McCarty and Alex Hebner to discuss why interest rates remain stubbornly high and what it means for the mortgage industry. The team explores inflation trends, global debt pressures, and the structural shifts reshaping the long-term rate environment.
Key Topics:
- Market Snapshot: OBMMI at 6.84%, with strong purchase and refi volume.
- Inflation & Labor: PCE shows progress, but jobless claims and construction employment hint at softening.
- Global Debt & Deficit Spending: U.S. and European nations are flooding markets with debt, pushing long-term yields higher.
- Tariffs & Tax Policy: Section 301 and 899 policies could reduce demand for U.S. debt, raising borrowing costs.
- Energy & Inflation Relief: OPEC’s increased supply is helping ease inflation, but geopolitical dynamics remain in play.
Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape.
#OptimizeYourAdvantage #MaximizeProfitability
Optimal Insights Team:
- Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
- Jeff McCarty, Vice President of Hedging and Trading Product, Optimal Blue
- Alex Hebner, Hedge Account Manager, Optimal Blue
Production Team:
- Executive Producer: Sara Holtz
- Producers: Matt Gilhooly & Hailey Boyer
Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.
Mentioned in this episode:
Market Advantage Report – Newly Expanded With New Origination and Secondary Markets Data Points
Smarter Lending Starts with Smarter Data
The newly enhanced Market Advantage report from Optimal Blue delivers unmatched insights across both origination and secondary markets, including property type, debt-to-income ratio, first-time homebuyer status, servicing rights, market rate indices, and investor count at loan sale.
📊 Get the data from the engine that powers your profitability. https://engage.optimalblue.com/market-advantage
Capture for Originators
Reengage Past Clients Without the Spreadsheet Headache
Tired of manually hunting for refinance opportunities? Capture for Originators does the heavy lifting for you. It automatically scans your closed loan portfolio and flags recapture opportunities – no spreadsheets, no manual work. Just actionable recapture opportunities delivered straight to you.
Learn more: https://www2.optimalblue.com/optimal-blue-launches-new-lead-generation-tool-for-originators or reach out to your Optimal Blue Client service representative for more information.
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By Optimal BlueIn this episode of Optimal Insights, Jim Glennon is joined by Jeff McCarty and Alex Hebner to discuss why interest rates remain stubbornly high and what it means for the mortgage industry. The team explores inflation trends, global debt pressures, and the structural shifts reshaping the long-term rate environment.
Key Topics:
- Market Snapshot: OBMMI at 6.84%, with strong purchase and refi volume.
- Inflation & Labor: PCE shows progress, but jobless claims and construction employment hint at softening.
- Global Debt & Deficit Spending: U.S. and European nations are flooding markets with debt, pushing long-term yields higher.
- Tariffs & Tax Policy: Section 301 and 899 policies could reduce demand for U.S. debt, raising borrowing costs.
- Energy & Inflation Relief: OPEC’s increased supply is helping ease inflation, but geopolitical dynamics remain in play.
Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape.
#OptimizeYourAdvantage #MaximizeProfitability
Optimal Insights Team:
- Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
- Jeff McCarty, Vice President of Hedging and Trading Product, Optimal Blue
- Alex Hebner, Hedge Account Manager, Optimal Blue
Production Team:
- Executive Producer: Sara Holtz
- Producers: Matt Gilhooly & Hailey Boyer
Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.
Mentioned in this episode:
Market Advantage Report – Newly Expanded With New Origination and Secondary Markets Data Points
Smarter Lending Starts with Smarter Data
The newly enhanced Market Advantage report from Optimal Blue delivers unmatched insights across both origination and secondary markets, including property type, debt-to-income ratio, first-time homebuyer status, servicing rights, market rate indices, and investor count at loan sale.
📊 Get the data from the engine that powers your profitability. https://engage.optimalblue.com/market-advantage
Capture for Originators
Reengage Past Clients Without the Spreadsheet Headache
Tired of manually hunting for refinance opportunities? Capture for Originators does the heavy lifting for you. It automatically scans your closed loan portfolio and flags recapture opportunities – no spreadsheets, no manual work. Just actionable recapture opportunities delivered straight to you.
Learn more: https://www2.optimalblue.com/optimal-blue-launches-new-lead-generation-tool-for-originators or reach out to your Optimal Blue Client service representative for more information.