Optimal Blue
A product and pricing engine whose integration runs the eligible-product search and returns the priced candidates.
Optimal Blue holds the investor product set and prices it. The integration sends the loan characteristics and the borrower's credit profile and receives the eligible products with their rates and prices.
Price runs that search three times — thirty-year fixed, fifteen-year fixed, and thirty-year adjustable — and selects, for each term, the product closest to par whose price is above par.
The field mapping is explicit rather than implied. Canonical loan amount, loan purpose and property fields map onto the engine's own request paths, the loan purpose enumeration is constrained to the values the engine accepts, and debt-to-income is computed from the liability and income totals already on the file rather than collected again. State and county are derived from the postal code through a lookup.
Products it serves
How this integration is built
- connection configuration
- The wire protocol. One repository per vendor API call, not per vendor.
- language configuration
- The field mapping between the vendor's vocabulary and the canonical model.
- flow file
- The four-way translation: canonical request, vendor request, vendor response, canonical response.
- waterfall priority
- One line naming where this vendor sits in the vertical's ordering.
- status call
- Activating the vendor for a lender, optionally with the lender's own credentials.
Evidence
This vendor is on the roster because each of the following resolves to a committed artifact.
mortgage-contract-price-eligibility-optimalblue-configurationpartner-optimalblue-authenticate-connection-configurationpartner-optimalblue-bestexsearch-connection-configurationpartner-optimalblue-bestexsearch-language-configurationpartner-optimalblue-get-product-details-connection-configurationpartner-optimalblue-market-rate-connection-configurationprice-optimalblue-integration-service