PRODUCT & PRICING for Mortgage Lenders
Win more business by providing borrowers the right product at the best price for any mortgage financing scenario.
Our product and pricing solution delivers the most comprehensive functionality, enhances workflow efficiencies, and enables lenders to stay competitive and confidently execute profitable lending strategies.
NEW INNOVATIONS IN THE OPTIMAL BLUE PPE
Best Efforts Direct Lock
Eliminate manual locking steps and accelerate efficiency through automation
Direct Best Efforts Lock with Investors in the Optimal Blue PPE delivers unmatched accuracy and efficiency through new automation. It removes the final manual step in the locking lifecycle enabling lenders to lock directly with participating investors via API.
Read more in our recent press release.
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NEW INNOVATIONS IN THE OPTIMAL BLUE PPE
Rules Optimizer – Now Available
Implement global rules quickly, easily, and accurately
Rules Optimizer allows lenders to streamline the rule creation process by creating a single rule and applying it to multiple investor relationships. This gives lenders flexibility to take advantage of both one-to-one and one-to-many investor relationships or custom rule writing. Rules Optimizer is built on top of the Optimal Blue PPE’s system-maintained ratesheet content, which is regarded for its industry-leading accuracy.
Save time and repetitive work by allowing one rule to be applied to multiple products and/or investors.
Schedule run periods in advance to support specials and limited-time promotions.
Group multiple rules together for easier updating.
See change history tracking so users can easily see updated rules and investors/products at a granular level.
Choose the rules approach that works for your business

NEW INNOVATIONS IN THE OPTIMAL BLUE PPE
Originator Assistant – Now Available
AI-powered recommendation engine
Originator Assistant leverages the power of AI to give loan officers recommendations and insights to help identify alternate loan scenarios to offer more options for borrowers.
AI tools look at pricing elements behind the scenes saving loan officers time and training on what items can and cannot be adjusted.
Automatically identify key breakpoints to maximize borrower options.
Fetch pricing in a “what if” context across multiple loan scenarios without locking.
Originator Assistant runs automatically – no integration or setup time.
Read more in our recent press release.

NEW INNOVATIONS IN THE OPTIMAL BLUE PPE
Lock Extension Enhancements – Now Available
Lock Extensions within the Optimal Blue PPE have been reimagined and enhanced for optimal efficiency.
Increase Automation and Reduce Manual Work: Minimizes redundant tasks by allowing configurations to be set across multiple investors using global product groups (launched earlier in 2025). Speed up lock extensions with new controls to eliminate manual reconciling and clear outs.
More Control and Flexibility Over Key Lock Extension Characteristics: Utilize new toggles in the lock extension policy creation workflow to ensure compliance implications, pricing disclosures, and other factors are considered with each policy.
Analyze and Automate Lock Extension Reasons: Customize lock extension reasons and set up automations for auto-acceptance. Gain insights into common lock extension reasons that may be causing delays in locking.
Improve Cost Configurations: Add free days and configure up to 6+ lock extensions per loan.
Read more in our recent press release.

QUOTE ACCURATELY
ENHANCE YOUR QUOTING WITH BESTX™ PRICING
Accurately quote the absolute best mortgage pricing each and every time. With Optimal Blue's BESTX pricing capabilities, lenders can customize their BESTX to their unique business need.
Scenario-specific pricing
Best pricing alternatives
Side-by-side price comparisons
Create custom blended pricing

COMPETE MORE EFFECTIVELY
EXPAND YOUR PRODUCT OFFERING
Compete and differentiate your mortgage operation like never before. Leverage Optimal Blue to gain access to hundreds of investors offering thousands of mortgage products. Robust product support for all mortgage types, including:
Conforming
Non-conforming
Government
Housing Finance Authority
Expanded guidelines
Portfolio
Construction-only
Construction-to-permanent

CREATE EFFICIENCIES
WORK SMARTER WITH LIGHTS-OUT LOCK DESK
Create new efficiencies and save valuable time by automating key workflows within your lock desk. There are several ways to automate, all of which can be tailored to your specific operational processes. Pick and choose where you leverage auto-accepting throughout workflows like:
Lock requests
Price concessions
Lock extensions
Profile and product changes
Relocks

EXCEED EXPECTATIONS
UTILIZE BESTX FOR MORE THAN JUST RATES
Exceed consumer expectations by providing them the lowest mortgage insurance premiums across all six MI providers. With Optimal Blue's BESTX MI service, lenders benefit from:
Client and scenario-specific premiums
Side-by-side price comparisons
Premium type comparisons
Best pricing alternatives

Turn Secondary marketing into a profit center
We see Optimal Blue as a profit center, we don't see it as a cost. The way that we are able to strategize our pricing actually turns Optimal Blue from a monthly cost to a net/net gain in that $20,000–$30,000 per month range.

WHAT SHOULD YOU LOOK FOR IN A PPE?
I’m Tiffany McGarry, Director of Product Management for our industry leading Product & Pricing Solution. For close to two decades, Optimal Blue has been leading the industry with product and pricing innovation. We are continually enhancing the functionality of our PPE to deliver what lenders need to better serve borrowers and compete more effectively. We would love to share what we've learned through a personalized, no-cost consultation to provide you with a new and fresh perspective on what to look for in a PPE!
ENHANCEMENTS
MAXIMIZE THE POWER
OF YOUR PPE
Generate more leads and enhance the consumer experience with accurate, compliant pricing tools, like:
Quick Quote
Featured Rates
Target Rate Emails
INSIGHTS
6 ESSENTIAL CONSIDERATIONS FOR CHOOSING A PPE
To stay competitive in today’smortgage market, lenders must evaluate their product, pricing, and eligibility (PPE) engine to ensure they’re maximizing profitability on every loan transaction. This white paper outlines six key considerations that can help lenders enhance efficiency, improve decision-making, and drive growth.