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The Cost of Borrowing: How Personal & Public Spending Shape Interest Rates | June 16, 2025
In this episode, the Optimal Insights team explores how rising personal and public debt levels are influencing interest rates and shaping the broader economic landscape. The discussion covers inflation trends, the Fed’s upcoming decisions, and the impact of geopolitical tensions on energy prices. The team also examines AI’s effect on electricity demand and infrastructure, and how consumer behavior is shifting in response to tariffs and credit stress.
Key Topics Covered:
- Market update and inflation metrics
- Middle East conflict and energy market implications
- AI-driven energy consumption and nuclear energy resurgence
- Personal debt, student loans, and buy-now-pay-later trends
- National debt, deficit spending, and long-term interest rate outlook
Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape.
Optimal Insights Team:
- Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
- Jeff McCarty, VP of Hedging & Trading Product, Optimal Blue
- Alex Hebner, Hedge Account Manager, Optimal Blue
- James Cahill, MSR 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:
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.
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
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By Optimal BlueIn this episode, the Optimal Insights team explores how rising personal and public debt levels are influencing interest rates and shaping the broader economic landscape. The discussion covers inflation trends, the Fed’s upcoming decisions, and the impact of geopolitical tensions on energy prices. The team also examines AI’s effect on electricity demand and infrastructure, and how consumer behavior is shifting in response to tariffs and credit stress.
Key Topics Covered:
- Market update and inflation metrics
- Middle East conflict and energy market implications
- AI-driven energy consumption and nuclear energy resurgence
- Personal debt, student loans, and buy-now-pay-later trends
- National debt, deficit spending, and long-term interest rate outlook
Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape.
Optimal Insights Team:
- Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
- Jeff McCarty, VP of Hedging & Trading Product, Optimal Blue
- Alex Hebner, Hedge Account Manager, Optimal Blue
- James Cahill, MSR 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:
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.
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