Tag: Product Eligibility

MBS Highway Integrates with Optimal Blue’s Pricing APIs to Improve Loan Officer Productivity

— Advanced integration delivers compliant, real-time mortgage comparisons —

Optimal Blue, the leading provider of secondary marketing automation and services in the mortgage industry, announced today the integration of MBS Highway’s mortgage market data and analytics platform. Through direct integration with Optimal Blue’s full suite of product eligibility and pricing APIs, MBS Highway’s advisor platform now seamlessly enables real-time, compliant, and personalized scenario comparison pricing, initiating an insightful and high-conversion mortgage loan process.

By integrating with Optimal Blue’s modernized APIs, MBS Highway advisors can simultaneously present product eligibility and variable rate comparisons for all loan programs – without ever having to leave the MBS Highway platform. Increasing the availability of program options creates a unique one-stop-shopping experience that positions MBS Highway as a transparent resource, leading to more referrals and higher application conversion rates.

“In today’s competitive marketplace, it’s very important to convert as many potential clients into an application as possible,” explained Avi Habib, Chief Operating Officer at MBS Highway. “Our clients will be able to pull in the most accurate pricing data directly from Optimal Blue, providing consumers all the possibilities of homeownership.”

“Optimal Blue’s partnership with MBS Highway gives mutual clients a competitive advantage under any market conditions,” said Chazz Huston, Strategic Alliances Manager at Optimal Blue. “The ability to quickly provide all possible and circumstantial rates is necessary to moving the application process forward.”

ABOUT MBS HIGHWAY
MBS Highway is a communication tool that will help you improve your batting average and turn more conversations into applications. There are various tools within MBS Highway that will help you show your customers and referral partners that you are a true advisor and an expert in the mortgage industry. In today’s constantly changing mortgage environment, it’s crucial that you stay ahead of these changes and your competition, so you stop losing out on loans! You’ll have the ability to generate Real Estate reports for every county in the US, with historical and forecasted rates of appreciation, so you can show your client the financial opportunity that exists in purchasing a home. Show your borrower easily and clearly which loan option is truly the best for them based on their specific situation. Become your Realtor’s go-to referral source by being able to show their customers the missed financial opportunity by delaying their purchase. Be a debt manager for past clients by showing them how you will be able to restructure their debt to reduce overall monthly payments and drive refinance business. Create short, engaging content for social media to drive referral business and keep you top of mind with customers as a trusted expert in the mortgage world.

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PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

PRESS CONTACT FOR MBS HIGHWAY
Avi Habib
COO
(732) 526-7900
avi@mbshighway.com

Ellie Mae Expands Relationship with Optimal Blue to Integrate Product & Pricing with Encompass LO Connect

— Real-time integration provides loan officers with mobile access to Optimal Blue’s market leading PPE —

Ellie Mae®,the leading cloud-based platform provider for the mortgage finance industry, today announced an extended integration with Optimal Blue to enhance Encompass LO Connect™, Ellie Mae’s Encompass mobile solution for LOs on the go. LO Connect gives loan officers secure, real-time access to the Encompass® Digital Lending Platform from their fingertips, from any mobile device.

LO Connect gives loan officers the competitive advantage of providing the highest level of customer service, and the ability to originate and close loans faster from anywhere, at any time. It offers:

• Enhanced borrower communications to help loan officers stay engaged and deliver a superior customer experience
• Always-on, real-time access to move loans forward
• The ability to connect with agents, referral partners, credit reporting agencies, and underwriters, from a single system of record

LO Connect can also enable your team to take action on abandoned loan applications through Encompass Consumer Connect™, Ellie Mae’s point-of-sale solution, to capture business that otherwise would be lost.

Hundreds of Ellie Mae lenders rely on Optimal Blue to support their product and pricing strategies in the Encompass Digital Lending Platform. By extending the Optimal Blue integration to the Opportunities view within LO Connect, loan officers can accurately quote the most appropriate financing alternatives based on the borrower’s unique mortgage loan scenario – all from the convenience of their mobile device. In addition, Ellie Mae has also integrated to Optimal Blue’s pricing and lock functionality on the Pipeline view within LO Connect, enabling loan officers to confidently price and lock loans with Optimal Blue while never leaving Encompass.

“We are excited to once again expand our integration with the Encompass Digital Lending Platform,” explained Scott Happ, CEO at Optimal Blue. “Optimal Blue is committed to an API-first strategy that provides real-time access to our industry leading secondary marketing capabilities with the systems our clients rely upon throughout the mortgage loan process.”

“More than 80 percent of top loan producers say digital mortgage technology is key to their company’s future growth,” said Joe Tyrrell, chief operating officer, Ellie Mae. “With Optimal Blue support now included in Encompass LO Connect, loan officers now have access to product and pricing whether they are in the office or on the go. This partnership with Optimal Blue gives loan officers access to the tools and technology they need to be successful.”

For more information about how to benefit from LO Connect with Optimal Blue, visit:
https://www.elliemae.com/encompass/encompass-lo-connect

ABOUT ELLIE MAE
Ellie Mae is the leading cloud-based platform provider for the mortgage finance industry. Ellie Mae’s technology solutions enable lenders to originate more loans, lower origination costs, and reduce the time to close, all while ensuring the highest levels of compliance, quality and efficiency. Visit ‪EllieMae.com‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬ or call ‪(877) 355-4362‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬ to learn more.

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PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

PRESS CONTACT FOR ELLIE MAE
Erica Harvill
Ellie Mae, Inc.
(925) 227-5913
Erica.harvill@elliemae.com

© 2019 Ellie Mae, Inc. Ellie Mae®, Encompass®, AllRegs®, the Ellie Mae logo and other trademarks or service marks of Ellie Mae, Inc. appearing herein are the property of Ellie Mae, Inc. or its subsidiaries. All rights reserved. Other company and product names may be trademarks or copyrights of their respective owners.

Optimal Blue and LoanLogics Join Forces to Automate Loan Acquisition for Correspondent Lenders

— New alliance includes Optimal Blue acquisition of LoanLogics’ PPE business, LoanDecisions™ —

Optimal Blue, the leading secondary marketing automation platform in the mortgage industry, and LoanLogics, a recognized leader in loan quality technology for mortgage manufacturing and loan acquisition, announced today a newly formed strategic partnership aimed at changing the digital correspondent experience. By delivering a real-time integration between LoanLogics’ LoanHD® Correspondent Lending platform and Optimal Blue’s product eligibility and pricing platform, the companies significantly advance the automation of correspondent loan transactions and create a compelling competitive advantage for clients of both firms. In conjunction with this partnership, Optimal Blue has acquired LoanLogics’ product, pricing, and eligibility (PPE) technology business, LoanDecisions™.

LoanLogics’ LoanHD platform provides automation for every step in the loan acquisition process – from initial seller application review to loan funding and servicing onboarding – and overcomes the challenges that stem from a traditionally manual and fragmented correspondent loan purchase workflow. With the capabilities of LoanHD, investors ensure the loans they are buying are high quality, compliant, and accurately priced, while sellers experience rapid turnaround for funding and enhanced availability of warehouse lines. Additionally, both parties gain value by finding and curing defects before loans are purchased.

Through real-time integration with Optimal Blue’s product eligibility and pricing platform, LoanLogics fully automates loan-level pricing and eligibility controls that are pervasive throughout loan file review and enhances a critical aspect of the correspondent workflow inside the LoanHD Correspondent Investor Module. The granular feature set of the Optimal Blue solution will drive greater configurability of the LoanHD platform, bringing new and unique capabilities to clients. Additionally, Optimal Blue will provide support for automated adjustments to loan- and bulk-level pricing based on automated due diligence results, while simultaneously delivering maximum flexibility in support of an investor’s secondary guidelines and pricing requirements.

“Working closely with the Optimal Blue team, we will expand the value each company can offer our respective clients through an integrated solution,” explained Brian Fitzpatrick, LoanLogics CEO. “Individually, we are leaders in our respective disciplines. Together, we offer powerful technology to help investors ‘automate first’ across their loan purchase, pricing, hedging, trading, and counterparty risk oversight practices.”

“We are delighted with this transaction and extend a warm welcome to LoanDecisions’ customers and staff,” said Scott Happ, Optimal Blue CEO. “We are investing deeply in our PPE technology and are committed to delivering the best-in-class solutions and innovative partner connections across our marketplace.”

LoanLogics and Optimal Blue share a long-term vision for the relationship and consider this the first step of many together. With a collective focus on providing innovative automation for the mortgage industry and compelling value for joint customers, additional strategic initiatives and collaborative integrations across the companies’ respective technology platforms are already being considered.

ABOUT LOANLOGICS
LoanLogics was founded in 2005 to improve the transparency and accuracy of the mortgage process and improve the quality of loans. Our regtech capabilities help residential mortgage lenders, servicers, insurers and investors validate compliance, improve profitability and manage risk during the manufacture, sale, and servicing of loan assets. We are proud of the recognition our loan quality management and performance analytics technology has received, the corporate recognition of our business and client growth through Deloitte’s Technology Fast 500™, corporate culture awards and executive leadership team recognition, including the leadership of our women executives. As the digital mortgage process evolves, our innovations and compliance expertise will continue to help ensure the accuracy and performance of loan assets. To learn more, visit www.loanlogics.com.

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PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

Optimal Blue’s API Platform Powers Broad Industry Ecosystem; A Single Source for Pricing

In 2016, Optimal Blue made a strategic decision to an open its platform to third-party systems by building a series of APIs designed to provide comprehensive access to system data and workflow functionality. Several factors drove this strategy, including the notion that while loan pricing information must be consumed by a myriad of systems, customers prefer to maintain a single implementation of product eligibility and pricing data. A second factor was the growing interest by third-party applications in embedding product eligibility, pricing data, and secondary marketing workflows. And finally, the digital mortgage movement and demand for greater information transparency was increasing the need to present consistent, real-time product and price data throughout the consumer engagement process. Now, roughly one year after Optimal Blue released its first transaction sets, the company finds itself at the center of a large and growing ecosystem of mortgage technology providers that rely on Optimal Blue APIs.

More than forty vendors have integrated with Optimal Blue’s API platform, offering a wide variety of services to the company’s customers, including solutions for customer relationship management, marketing, point-of-sale, mobile, loan origination, and lead generation. Now, for the first time, Optimal Blue clients can confidently rely on a single source of accurate pricing to power an array of systems. Hundreds of Optimal Blue clients are taking advantage of the connectivity that now exists between the product and pricing data they maintain within the Optimal Blue platform and connected vendors.

“Optimal Blue is fast becoming a utility for the industry now that our customers can simply plug their price data into nearly any technology solution,” explained Scott Happ, CEO of Optimal Blue.

Through its RESTful API platform, Optimal Blue supports a growing variety of transactions including product eligibility, complete price results, and locking. Because third-party applications are all connected using Optimal Blue’s common API framework, product eligibility and pricing is handled consistently by each application and APR calculations, payment disclosures, and mortgage insurance quotes are always correct. To ensure third-party applications comply with data and connectivity standards, Optimal Blue maintains a rigorous vendor certification process.

The success of Optimal Blue’s API initiative has been bolstered by the industry’s growing interest in bringing price transparency to consumer interactions. Today, nearly all consumers begin the mortgage loan process online and have come to expect on-demand, transparent, and consistent information. These evolving consumer expectations paired with the industry’s highly competitive environment are causing a rush by originators to adopt digital capabilities. In the process, originators must grapple with how to integrate digital mortgage technologies, deliver information to the consumer in a real-time and compliant manner, and ensure consumers have a consistent experience across channels and throughout the origination process.

Optimal Blue ‘s ecosystem of API-connected vendors provides a solution for originators wishing to bring price consistency and transparency to their entire mortgage process. Clients are using these third-party vendor connections to jumpstart their entry into the digital mortgage arena and are realizing significant operational and compliance benefits from using Optimal Blue as a single source for loan pricing.

“In creating a platform supporting third-party applications, Optimal Blue has crushed the barrier to the digital mortgage,” added Happ. “By connecting virtually every vendor in the digital mortgage space to the Optimal Blue platform, we have paved the way for originators to join the digital mortgage movement.”

Looking forward, Optimal Blue intends to extend the success of its API initiative by aggressively adding transactions supporting an even deeper integration of data and workflows. Currently in development are a set of transactions that will support advanced lock desk functionality, including re-locks, lock extensions, worst case pricing, and change requests.

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PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

Big Purple Dot Selects Optimal Blue to Streamline Processes Throughout the Loan Lifecycle

Customer Relations Management (CRM) provider, Big Purple Dot, has chosen Optimal Blue as their partner to integrate accurate product eligibility and pricing data into their platform through the use of Optimal Blue’s advanced API. This highly-anticipated integration will simplify a historically disjointed lead-to-close process, enhancing collaboration and streamlining business processes throughout the loan lifecycle.

As a client driven product and technology platform, Big Purple Dot evolves with the needs and wants of their customer base. “Our clientele has been asking for an Optimal Blue integration for several years,” explained Aldo Sarmiento, President and Chief Technology Officer at Big Purple Dot. “Optimal Blue’s API initiative has provided us the opportunity to make this happen and increases the value of our CRM immensely. We plan to introduce an assortment of dynamic and intriguing tools to the mortgage industry very soon.”

Big Purple Dot is known for their innovation and unrivaled methods that eradicate the communication barriers between the various parties involved in the lifecycle of a mortgage transaction, beginning with the borrower experience. The company has developed an application intake form that can be white-labeled per an originator’s unique UI preference, and the integration with Optimal Blue now guarantees accurate product eligibility and pricing data at this pivotal stage. The integration also allows originators and realtors to funnel leads from any source, arming them with tools to quickly distribute and efficiently close deals, in addition to subsequently managing those relationships after closing. Big Purple Dot also anticipates increased success in client re-targeting.

“Our focus is to develop technology partnerships with companies that are equally motivated to shape the future of the mortgage industry,” said Optimal Blue Strategic Alliances Manager, Chazz Huston. “Adding the CRM platform provided by Big Purple Dot into our technology ecosystem of innovators will serve Optimal Blue customers – and the mortgage industry as a whole – with true lead-to-close management, and beyond.”

ABOUT BIG PURPLE DOT
Big Purple Dot is a real estate centric, Customer Relations Management (CRM) system that provides services to both mortgage and real estate professionals. From single users to large corporate structures, Big Purple Dot focuses on speed to contact via automatic email and text message technology with an emphasis on task management, to make sure that nothing falls through the cracks. Big Purple Dot also offers lenders and realtors the ability to collaborate in real time, which promotes better communication, proper lead source tracking, and complete transparency.

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PRESS CONTACT FOR BIG PURPLE DOT
Aldo Sarmiento
President and Chief Technology Officer
(949) 223-0900
aldo@bigpurpledot.com

PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

Vantage Production Enhances Loan Origination with Compliant, Real-Time Product and Pricing

Vantage Production has chosen Optimal Blue as their partner to provide a unique digital mortgage experience. This enterprise integration allows a Vantage Production VIP user to incorporate accurate, compliant, real-time product and pricing information directly into consumer quotes and sales presentations.

“Vantage Production is very pleased to grow our relationship with Optimal Blue,” said Todd Ballenger, Executive Vice President of Vantage Production. “This deepening of our relationship enables our VIP clients to create and share Optimal Blue’s real-time pricing with prospective customers to increase sales and reduce compliance risk. It is our goal to reduce complexity for the loan originator and the companies we support in a way that empowers our clients to close more loans.”

Optimal Blue’s best-in-class digital mortgage marketplace platform consumes product and pricing content from the industry’s largest network of investors, provides intelligent selection and customization of that content as desired by originators, and distributes the personalized results to leading technology providers via RESTful APIs – wherever, and whenever it matters most.

“The partnership with Vantage Production greatly enhances the tools their VIP users offer to borrowers,” said Chazz Huston, Strategic Alliances Manager for Optimal Blue. “Borrowers and originators want a simplified, accurate and streamlined mortgage experience. This delivers.”

ABOUT VANTAGE PRODUCTION
Vantage Production, LLC is the industry’s premier provider of content, technology and services supporting the sales and marketing of mortgage products. With more than 15 years of experience, serving thousands of mortgage loan originators, Vantage Production empowers lenders to close more loans and minimize risk with solutions that are designed by mortgage experts, for mortgage experts. For more, visit www.vantageproduction.com.

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PRESS CONTACT FOR VANTAGE PRODUCTION
Torry Burdick
EVP, Marketing
(732) 526-1516
tburdick@vantageproduction.com

PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

WebMax Enhances Loan Origination & Borrower Experience with Optimal Blue

WebMax has chosen Optimal Blue as their partner to provide a unique digital mortgage experience with lender-specific, real-time, compliant pricing, rates and product eligibility through the Optimal Blue API.

This integration will allow WebMax to provide accurate, instantaneous data at the time of application submission, further enhancing and providing a better path to completion, as well as increased efficiencies for the lender and enhancing customer satisfaction.

“WebMax is thrilled to work with Optimal Blue to increase the seamlessness of the borrowing experience,” said Curt Tegeler, President and CEO of WebMax. “Current and future clients can now benefit from the enhancement of the borrowing life cycle through this integration. Through our website solution, pricing and rates are provided to the borrower immediately upon submission of our digital application.”

Optimal Blue’s best-in-class eCommerce platform consumes product and pricing content from the industry’s largest network of investors, provides intelligent selection and customization of that content as desired by lenders, and distributes the personalized results to leading technology providers via RESTful APIs – wherever, whenever it matters most.

“This is an exciting partnership for Optimal Blue and WebMax,” said Chazz Huston, Strategic Alliances Manager for Optimal Blue. “It benefits everyone in the loan lifecycle. Borrowers and lenders are seeking a simplified, accurate and streamlined mortgage experience, and this integration does just that.”

ABOUT WEBMAX
WebMax provides an innovative digital solution designed to make Mortgage and Real Estate easy by enhancing the lending experience. The company’s compliant, enterprise-level solutions incorporate website design, custom development and third-party system integration: maximizing lead generation and conversion, expediting the loan origination process and enhancing referral partner relationships. For more information, visit www.webmaxco.com.

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PRESS CONTACT FOR WEBMAX
Siera Smith
Director of Marketing
(609) 920-6526
www.webmaxco.com

PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

Capsilon Corporation and Optimal Blue Transform Mortgage Production Process

Optimal Blue announced today that the company has partnered with Capsilon Corporation to provide a unique digital mortgage experience with highly accurate, real-time product eligibility and pricing content.

The Capsilon digital mortgage platform leverages the power of the cloud and intelligent process automation to evolve the existing mortgage production process into a modern digital mortgage factory. By integrating Optimal Blue’s real-time product eligibility and pricing content directly into the upcoming Capsilon mortgage point-of-sale solutions, joint clients will be able to improve overall compliance, create numerous process efficiencies, and deliver an engaging origination experience.

“Capsilon is transforming the mortgage industry with intelligent process automation that increases the velocity and accuracy of every step in the loan production process,” said Sanjeev Malaney, CEO of Capsilon. “Our partnership with Optimal Blue provides the data connectivity, integrated pricing workflows, and process automation lenders require to accelerate the loan production process and improve customer satisfaction.”

Optimal Blue’s best-in-class eCommerce platform consumes product and pricing content from the industry’s largest network of investors, provides intelligent selection and customization of that content as desired by lenders, and distributes the personalized results to leading technology providers via RESTful APIs – wherever, whenever it matters most.

“Our goal is to further unite the industry with our digital marketplace and break down the traditional vendor silos that have held back industry success,” said Optimal Blue CEO Scott Happ. “Strategic integrations with digital mortgage technology leaders such as Capsilon will move the industry forward.”

ABOUT CAPSILON CORPORATION
Capsilon transforms the speed and economics of the mortgage production process. Capsilon gives mortgage originators, servicers and correspondents a disruptive advantage by making it possible to deliver mortgages at the highest velocity and at a new cost structure with the utmost integrity. Headquartered in San Francisco, Capsilon serves many of the mortgage industry’s most innovative companies, including two of the 10 largest residential mortgage lenders in the United States. For more information, visit www.capsilon.com.

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PRESS CONTACT FOR CAPSILON
Greg Marek
Chief Marketing Officer
(415) 889-2195
greg.marek@capsilon.com

PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com

Optimal Blue Announces Integration with Easy Mortgage Apps

— Two mortgage technology experts pioneer further innovation —

Optimal Blue, the premier cloud-based provider of enterprise lending services to the mortgage industry, recently announced its technology partnership with Easy Mortgage Apps. This exciting integration will provide loan officers, real estate agents, and consumers with the flexibility to utilize the Optimal Blue platform within a lender’s native application, powered by Easy Mortgage Apps. The result is the ability to easily generate eligibility and rate quotes directly on their preferred device: the smartphone.

Optimal Blue is known as the premier cloud-based provider of enterprise lending services, including their industry-leading Product eligibility and Pricing Engine (PPE), Optimal Blue Banker. This integration represents a valuable opportunity for lenders to communicate vital information with all relevant parties, including product and rate information, as well as track application statuses and share time-sensitive data between loan officers and borrowers via mobile channels.

“Easy Mortgage Apps looks forward to building this partnership with industry leader, Optimal Blue, to offer all parties involved in the mortgage process a mobile-centric and more efficient way to instantly provide loan options for consumers,” said Michael Kelleher, President and Founder of Easy Mortgage Apps. “The result is a more engaged borrower. Companies who are looking to attract the millennial mortgage applicant need to review and evaluate mobile strategies designed to enhance the consumer experience, versus lead generation. We will continue to focus on developing strategic relationships with companies like Optimal Blue, which share the vision of a technically evolved lending industry.”

“We are excited about this strategic alliance,” added Mark Coupland, Vice President of Business Development for Optimal Blue. “Easy Mortgage Apps shares our passion for creating new technology and mobile experiences that will continue to reduce friction in the lending process! The added transparency and clarity resulting from this strong integration will only further enhance the lending experience for lenders and consumers alike.”

ABOUT EASY MORTGAGE APPS
Easy Mortgage Apps (EMA), the mobile-first platform where borrowers, loan officers and realtors communicate, upload info, and track in-process loans. EMA’s white labeled product helps banks and lending institutions close the gap between today’s mortgage technology and borrowers’ expectations to use smartphones in the home buying process. The EMA native app is industry compliant and seamlessly integrates into all major loan processing systems. EMA now serves 100+ enterprise customers in 47 states.

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PRESS CONTACT FOR OPTIMAL BLUE
Robert J. Brandt
Vice President, Marketing & Strategic Alliances
(469) 609-5585
bbrandt@optimalblue.com