Product & Pricing for Mortgage Lenders> The Optimal Blue® PPE

Precision pricing. Predictable performance.

Real-time pricing, trusted data, and measurable results – powered by the industry’s most trusted capital markets platform.

Unrivaled accuracy across thousands of products and more than 150 investors.

$1,000+ per loan
Measurable efficiency gains per loan
12X ROI
Proven value for PPE clients
Reduced pricing errors
Fewer errors with measurable financial impact
YOU NOTICE IT BEFORE YOU CAN EXPLAIN IT

Pricing shouldn’t feel hard to trust

PROBLEM:

THE CHALLENGE

What once moved in a straight line now loops.

Your team starts loans, waits on updates, and returns later to finish work that should have been completed in a single pass.

Pricing looks right – but not consistently enough to trust.

Over time, these delays stop feeling temporary. They redefine how your team works.

You’re no longer working in your system. You’re working around it.

SOLUTION:

WITH THE OPTIMAL BLUE® PPE

Pricing, eligibility, and market data stay aligned in real time.

Updates write back directly inside the loan. Teams act immediately, without leaving the workflow.

The Optimal Blue PPE delivers this as part of an end-to-end capital markets platform connecting pricing, execution, and margin.

What modern lending should feel like

One connected workflow. Better decisions at every step.

WHEN FRICTION IS REMOVED:
  • Pricing, eligibility, and market data stay aligned in real time
  • Updates write back directly inside the loan
  • Teams act immediately, without leaving the workflow
THE RESULT:
Lock desks
Operate continuously
Originators
Engage with confidence
Secondary teams
Focus on strategy – not maintenance
Leadership
Gains real-time visibility into performance

The Optimal Blue PPE delivers this as part of an end-to-end capital markets platform connecting pricing, execution, and margin.

How performance shows up in practice

Where connected pricing delivers real advantage

These capabilities turn pricing into a competitive and operational advantage across your business.

Quoting precision

Enhance quoting with BESTX™ pricing

Accurately quote optimal mortgage pricing tailored to your unique business needs for more consistent, competitive execution.

See how Alliant Credit Union transformed their mortgage business
Product breadth

Expand your product offering

Compete and differentiate by accessing hundreds of investors offering thousands of products across conforming, non-conforming, government loans, and more – all in one platform.

See how Originator Assistant helps find unbiased loan options for your borrower
Operational efficiency

Work smarter with lights-out lock desk

Create new efficiencies by automating key processes like lock requests, concessions, extensions, profile changes, and relocks – all tailored to your operational needs.

Learn how to choose the best tech partner
Borrower value

Utilize BESTX for more than just rates

Exceed borrower expectations by offering the lowest mortgage insurance premiums across all six MI providers. With BESTX MI, gain scenario-specific quotes, side-by-side comparisons, and the best pricing alternatives tailored to each client.

What you should expect

What you should expect from your PPE

Real-time pricing accuracy

Protects margin decisions

Seamless in-loan workflow

Eliminates delays

Centralized rule management

Ensures consistency at scale

AI-powered monitoring

Identifies issues before impact

Loan-level auditability

Enables confident decisions

Flexible automation

Reduces manual effort

Modern integrations

Preserves workflow continuity

Embedded intelligence

Speeds decision-making

Mortgage expert support

Resolves complexity quickly

PPE innovation timeline

See how the Optimal Blue PPE has evolved quarter by quarter

Explore the innovations added to the Optimal Blue PPE over time. Hover over a quarter for a quick preview, or select one to view the full release highlights.

Proven performance. Proven results.

What connected pricing can deliver

Optimal Blue PPE is built to deliver measurable financial outcomes:

$1,000+ per loan
Improving throughput and reducing cost per loan
12X ROI
Transforming pricing infrastructure into a profit driver
Universal error reduction
Minimizing pricing discrepancies and financial risk
Data quality

Data you can trust. Decisions you can act on.

Inconsistent data creates hesitation in every pricing decision.

Proven Data Quality
Universal error reduction with measurable financial impact
The Optimal Blue PPE ensures:

Real-time synchronization across market and investor data

Alignment between quoted and executed pricing

Continuous validation embedded within the workflow

Because confidence in data drives confidence in execution.

Built to power performance, precision, and profitability

Capability at unmatched scale

The Optimal Blue PPE connects pricing, data, and execution into a single, real-time workflow – within the industry’s most comprehensive capital markets platform.

Unrivaled pricing accuracy

Protects margin and ensures confidence in every pricing decision

Real-time automation and AI-driven workflows

Eliminates delays and reduces manual effort across the loan lifecycle

Seamless ecosystem connectivity

Connects systems, partners, and data without disruption

Actionable insights

Supports faster, more informed decisions at every step

At unmatched scale
~35%
Powers over a third of U.S. mortgage price locks
~40%
Supports nearly 40% of loans sold into the secondary market

Why leading lenders choose Optimal Blue

Other PPEs require validation after the fact.

  • Confidence at the point of decision
  • Consistency across every loan
  • Control across pricing, execution, and margin

This is how lenders move from reacting… to optimizing.

A smarter path forward

White-glove implementation. Built for execution.

Transformation isn’t just about technology – it’s about execution.


  • White-glove implementation with clear ownership
  • Training aligned to real workflows
  • Dedicated support from mortgage experts

This isn’t a system replacement. It’s an operational reset.

Start with clarity

Where is your team slowing down today?

The answers define your opportunity.

You may be closer to operational improvement than you think.

See what your business is capable of

When pricing, data, and execution operate as one:
  • Teams move faster
  • Decisions become easier
  • Performance becomes measurable
12X
ROI
$1,000+
Efficiency per loan
Proven performance at scale
Resources

Explore more perspectives on modern pricing performance

Dive deeper into how modern PPEs are evolving, how lenders can improve workflow efficiency, and how product innovation is shaping what comes next.

Product strategy and execution

From client insight to product innovation

Optimal Blue takes a disciplined approach to product development, grounded in client feedback and shaped by current market needs. This resource highlights how client insight and execution discipline inform the product roadmap.

Rethinking the role of the PPE resource thumbnail
Platform perspective

Why modern PPEs need to operate as a service layer

Mortgage pricing touches every system lender use, and fragmented workflows can create delays and inconsistencies. This article explores the shift toward API-first pricing and why PPEs increasingly need to operate wherever lending decisions happen.

Read the article
Streamline scenario pricing monitoring and related tasks resource thumbnail
Optimal Insights blog

Streamline scenario pricing, monitoring, and related tasks in one place

When pipelines, scenarios, rate alerts, and monitoring live in one workflow, teams spend less time tracking updates and more time moving loans forward. Learn how connected tools support greater productivity.

Read blog post

Explore the Optimal Blue Product Suite


Product & Pricing for Mortgage Lenders
Product & Pricing for Mortgage Lenders

Enterprise PPE for pricing, locking, and margin management

Product & Pricing for Mortgage Brokers
Product & Pricing for Mortgage Brokers

Turnkey PPE for pricing & borrower engagement with Loansifter

Partner Network
Partner Network

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

Hedging & Trading
Hedging & Trading

Mitigate pipeline risk and simplify loan sales

Compliance & Counterparty Oversight
Compliance & Counterparty Oversight

Automate oversight in to protect and monitor lenders with Comergence

MSR Valuation
MSR Valuation

Gain visibility into MSR portfolios