Welcome to this week’s episode of Optimal Insights. In this episode, our experts discuss the intricate relationship between tariffs, inflation, and the mortgage market. Jim Glennon leads a discussion with Jeff McCarty, Alex Hebner, and Kevin Foley, emphasizing how proposed tariffs could significantly impact inflation rates and, consequently, mortgage interest rates.

The team explores historical perspectives on tariffs, the potential for geopolitical maneuvering, and the implications for the U.S. economy as it navigates this new landscape. Alex Hebner shares recent employment numbers and inflation data that could influence market conditions.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, VP of Product Management – Hedging and Trading, Optimal Blue

Guests:

• Alex Hebner
• Kevin Foley

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Links referenced in this episode:

• summit.optimalblue.com

Mentioned in this episode:

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

Welcome to this week’s episode of Optimal Insights. In this episode, Optimal Blue experts discuss key economic data, recent cabinet appointments, and their potential impacts, while also highlighting the newly released loan limits for 2025. The episode emphasizes the implications of these loan limits, which have increased significantly, reflecting changes in home prices and raising questions about affordability in the housing market.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, VP of Product Management – Hedging and Trading, Optimal BlueGuests:
• Alex Hebner

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Optimal Blue, LLC.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts discuss the impact of recent economic data and holiday trading schedules on profitability.

Ben Larcombe highlights a notable uptick in existing home sales, marking the first year-over-year increase since 2021, while also cautioning about potential slowdowns due to rising rates. The conversation shifts to the political landscape with insights from the recent IMN conference, where Vimi Vasudeva shares critical topics, including the ongoing challenges of recapture strategies and the implications of a new administration's policies on mortgage servicing rights. With a focus on upcoming economic indicators, the panel encourages listeners to stay informed and adapt to the evolving market conditions.

Key Takeaways:

• The current economic climate demonstrates the challenges mortgage originators face in a competitive refinancing market.
• The podcast discusses the impact of recent cabinet picks on the mortgage servicing industry.
• Vimi highlights the relevance of technology in enabling subservicers to cross-sell financial products effectively.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, VP of Product Management – Hedging and Trading, Optimal Blue

Guests:

• Ben Larcombe
• Vimi Vasudeva

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Companies mentioned in this episode:

• Optimal Blue
• CME
• Fannie Mae
• Freddie Mac
• Ginnie Mae

Mentioned in this episode:

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts discuss the current state of the mortgage market, highlighting the challenges and opportunities as interest rates hover above 6.8%. The discussion emphasizes the rise in cash-out refinancing due to significant home equity, even as overall volume struggles in the face of increasing rates. Experts provide insights into recent economic indicators, including inflation readings and retail sales data, which remain closely monitored by the market. Additionally, the episode features a detailed conversation about mortgage servicing rights (MSRs). Listeners will gain a clearer understanding of how MSRs impact loan pricing and the strategic considerations for lenders as they navigate the evolving market dynamics heading into 2025.

Key Takeaways:

• The current economic climate shows rising interest rates, impacting mortgage volume and profitability.
• Cash-out refinances are gaining traction as homeowners tap into their home equity despite rising rates.
• The upcoming IMN conference will provide valuable insights into the mortgage servicing rights market.
• Market trends indicate a potential slowdown as we approach the holiday season with less activity.
• Understanding mortgage servicing rights is crucial for loan originators to effectively price loans.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, VP of Product Management – Hedging and Trading, Optimal Blue

Guests:

• Ben Larcombe
• Vimi Vasudeva

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts discuss the intricacies of hedging within capital markets, emphasizing its critical role in protecting profit margins amidst fluctuating interest rates.

Host Jim Glennon is joined by experts Jeff McCarty and Alex Hebner to explore the recent election outcomes and their implications for the economy, including a significant focus on the Federal Reserve's latest decisions. The conversation highlights the importance of understanding hedging mechanisms, particularly for those in different roles within the mortgage industry, and how effective strategies can lead to enhanced profitability.

Key Takeaways:

• Understanding hedging is crucial for mortgage professionals to protect their profit margins effectively.
• Hedging strategies help mitigate risks associated with fluctuating interest rates during loan processing.
• Delivering mandatory loans typically results in higher profitability compared to best efforts.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Join us at the Optimal Blue Summit at the Marriott Marquis San Diego Marina from February 3 – 5, 2025. Learn more about the latest updates to the Optimal Blue product roadmap, including AI and automation advancements to help you maximize your profitability on every loan transaction.

Optimize your advantage and register today:  summit.optimalblue.com

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, Director of Hedging Product, Optimal Blue

Guests:

• Alex Hebner

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts share the current state of the capital markets, emphasizing the impact of recent economic indicators and the upcoming election on rate trends.

Jim Glennon leads the discussion with insights from Jeff McCarty, who highlights the uncertain market landscape post-Fed rate cuts and the mixed signals from recent job reports.

Alex Hebner provides a detailed analysis of the economic data, including the disappointing non-farm payroll figures, and their implications for market sentiment.

Additionally, Kimberly Melton and Kevin Foley explore the intricacies of lock desk policies, discussing how loan originators can navigate these systems effectively to enhance their quoting power and streamline processes. This engaging conversation not only sheds light on the evolving market dynamics but also equips listeners with practical strategies to optimize their operations in a fluctuating environment.

Key Takeaways:

• Market participants should closely monitor the outcome of the upcoming election for its implications on rates.
• Automation in lock desk processes allows loan officers to quote borrowers more efficiently and accurately.
• Understanding worst case pricing helps originators navigate the complexities of market fluctuations and hedging practices.
• Cash-out refinancing remains strong, reflecting consumer reliance on home equity amid rising debt levels.
• The upcoming Fed announcement is expected to include a quarter-point rate cut, influencing mortgage rates.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, Director of Hedging Product, Optimal Blue

Guests:

• Alex Hebner
• Kimberly Melton
• Kevin Foley

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Optimal Blue, LLC.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts discuss recent housing supply data, highlight the significant impact of inflation, and explore how election outcomes could influence interest rates and government spending with special guest, Chris Maloney, mortgage strategist at Bank of Oklahoma.

Key Takeaways:

• Current housing supply issues are a concern, with new home sales still below average.
• Chris Maloney emphasized both candidates' policies could affect mortgage rates and housing affordability in the near future.
• The Fed's recent rate cuts have not had the expected positive impact on mortgage rates.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue

Guests:

• Chris Maloney, Mortgage Strategist, BOK Financial
• Jeff McCarty, Director of Hedging Product, Optimal Blue
• Alex Hebner, Hedge Account Manager

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Welcome to this week’s episode of Optimal Insights.

In this episode, our experts discuss the critical intersection of housing policy and market dynamics as the election approaches. They explore how political platforms from both major candidates could influence housing supply and affordability, the current state of the housing market, including recent data on housing starts and permits, and highlight the significant impact of government policies on pricing for borrowers.

Key Takeaways:

• Current economic indicators show stable rates, but refinancing activity has significantly declined.
• Understanding policy impacts on pricing is crucial for navigating the mortgage market effectively.
• Innovative programs like mission score products aim to address underserved communities in housing.
• Education on available incentives and products is essential for originators in the mortgage industry.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, Director of Hedging Product, Optimal Blue

Guests:

• Alex Hebner, Hedge Account Manager
• Kevin Foley, Director of Product Management

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Optimal Blue, LLC.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Welcome to this week’s episode of Optimal Insights. In this episode, our experts explore the intersection of economic indicators and mortgage market dynamics with guests Alex Hebner and Kevin Foley. The team discusses market updates, recent inflation metrics, and the topic of specified pools and loan products in this week’s episode.

Key Takeaways:

• The recent economic conditions have led to rising mortgage rates, impacting the housing market.
• Hurricane impacts in Florida may significantly affect home insurance and the mortgage industry.
• The complexity of loan products has increased over the past decade, complicating the mortgage landscape.
• Specified pools of loans are becoming more prevalent, driven by investor demand for yields.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, Director of Hedging Product, Optimal Blue

Guests:

• Alex Hebner, Hedge Account Manager
• Kevin Foley, Director of Product Management

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Optimal Blue, LLC.

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Keywords: Real-time data insights, Capital markets commentary, Mortgage industry, Profitability, Lenders, Investors, Rate fluctuations, Mortgage landscape, Expert advice, Optimal Blue, Secondary marketing automation, Pricing accuracy, Margin protection, Risk management, Originators, Originations

Mentioned in this episode:

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI

Welcome to Optimal Insights.

In this episode, our experts discuss how the robust job growth, particularly in the hospitality and service sectors, has influenced market expectations and rate movements. They highlight the ongoing challenges in the economy and the potential for refinancing waves as rates trend lower in the coming months. The conversation also touches on the importance of proactive strategies for originators to capture refinancing opportunities effectively. 

Key Takeaways:

• The employment numbers released last week exceeded expectations, impacting market rates significantly.
• Originators should proactively engage borrowers before they shop around for refinancing options.
• The potential for lower rates in the near future could lead to refinancing waves.
• Economic indicators suggest a strong consumer market, which may hinder rate cuts.
• Training for loan officers on refinancing processes is crucial as the market evolves.
• The recapture play in the mortgage industry will be vital for lenders moving forward.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts and Guests:

Hosts:

• Jim Glennon, VP of Hedging & Trading Client Services, Optimal Blue
• Jeff McCarty, Director of Hedging Product, Optimal Blue

Guests:

• Alex Hebner, Hedge Account Manager
• Vimi Vasudeva, Managing Director

Production Team:

• Executive Producer: Sara Holtz
• Producer: Matt Gilhooly

The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Optimal Blue, LLC.

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Keywords: Optimal Insights, capital markets commentary, hedging and trading, mortgage rates, employment numbers, economic analysis, refinance opportunities, consumer spending, inflation metrics, housing market trends, loan origination strategies, mortgage industry insights, unemployment rates, market volatility, economic indicators, optimal blue, interest rates, borrower relationships, credit triggers, servicing retention

Mentioned in this episode:

Optimal Blue Summit 2026 | February 23-25 | Scottsdale, Arizona

In case you missed it – Optimal Blue has announced the dates for its 2026 Summit! Join us February 23 – 25 at Talking Stick Resort and Conference Center in Scottsdale, Arizona, for a client-exclusive event packed with strategic insight and innovation. Attendees will gain early access to Optimal Blue’s latest generative AI and automation tools, dive into expert-led sessions on pricing, compliance and more, and experience hands-on demos of new capabilities. Plus, it’s a chance to connect with capital markets pros, integration partners, and mortgage insiders—all while gaining actionable strategies to maximize profitability and sharpen your competitive edge. The Optimal Blue Summit: where proven mortgage expertise meets modern innovation to shape what's next. Early bird registration is now open at Summit.OptimalBlue.com – space is limited, so register today!

Summit - OI

AI at Optimal Blue – Innovation That Delivers for Your Bottom Line

Is your technology vendor selling real solutions – or just the idea of them? Too often, companies pitch big returns, offer free trials, and promise seamless automation, only to reveal during implementation that the tech doesn’t actually exist. At Optimal Blue, we take a different approach. Our AI-powered automation is already live, already delivering, and already saving lenders real dollars. We show you exactly where the ROI comes from and how it reduces risk – no vague timelines, just proven technology that’s working in production today. AI at Optimal Blue isn’t just about delivering software; it’s about empowering lenders to make smarter decisions, operate more efficiently, and stay ahead of the curve. Built around real capital markets challenges, informed by direct engagement with thousands of clients, and focused on delivering measurable value at no additional cost to clients, while others talk about AI, we’re delivering it – Innovation That Delivers for Your Bottom Line.

AI at Optimal Blue - OI