AI Unpacked: Leveraging AI to Transform Mortgage Operations | Optimal Insights | May 19, 2025

Optimal Insights - Real-Time Data and Capital Markets Insights - Optimal Blue

Optimal Insights - Real-Time Data and Capital Markets Insights - Optimal Blue

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The Agile Brand with Greg Kihlström®: Expert Mode Marketing Technology, AI, & CX

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Expert mode marketing technology, AI, and CX insights from top brands and Martech platforms fill every episode, focusing on what leaders need to know to build customer lifetime value and long-term business value. The Agile Brand with Greg Kihlström® features executives and thought leaders from top brands and tech platforms discussing the industry's trends, like AI adoption, first-party data strategies, artificial intelligence in the consumer journey, consumer data privacy, omnichannel customer experience, and more. The Agile Brand is hosted by Greg Kihlström, martech and artificial intelligence transformation advisor and consultant to leading brands, speaker, entrepreneur, and best-selling author. It provides a fresh perspective on the continually evolving dynamic between brands and the audiences they serve.

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In the May 19 episode of Optimal Insights, host Jim Glennon is joined by James Cahill, Kevin Foley, and Shawn Chandwani for a discussion on the current economic landscape and the transformative role of artificial intelligence (AI) in the mortgage industry.

Key Insights:

Market Update & Economic Trends

Inflation Metrics: The Consumer Price Index (CPI) registered at 2.3%, slightly below expectations, while the Producer Price Index (PPI) posted a surprising -0.5% reading – signals that inflationary pressures are beginning to ease across both consumer and wholesale levels.
Tariff Impacts: Despite new tariffs, consumer prices remain relatively stable due to large inventories and strategic pricing by wholesalers and retailers. Electronics and imported goods are seeing inflationary effects, while energy prices have dropped significantly.
Retailer Perspective: Walmart’s CFO warned of upcoming price increases and potential shortages, highlighting the broader economic implications of ongoing tariff policies.
Market Resilience: Despite some media narratives, mortgage volumes are strong – 110–115% of 2019 levels – with healthy refinance activity.

AI in the Mortgage Industry

AI Overview: Kevin Foley and Shawn Chandwani explore the evolution of AI, particularly the rise of large language models (LLMs), and how they’ve revolutionized user interaction and business applications.

AI-Powered Tools at Optimal Blue

Originator Assistant: Helps loan originators identify optimal loan terms by analyzing small scenario changes. It leverages AI to evaluate pricing rules and generate borrower-friendly recommendations in seconds.
Ask Obi: An AI-powered executive assistant that gives executives instant, interactive access to granular data insights and trends to improve business decisions. Ask Obi gives lenders the power to view their operations holistically with data aggregation across Optimal Blue’s comprehensive capital markets platform, reaching across all areas of loan origination.

Advice for Lenders Starting Their AI Journey

Start Small: Begin with basic AI implementations like document summarization or internal policy Q&A tools.
Focus on Data: Clean, structured data is essential for effective AI use.
Embrace Education: Encourage learning and experimentation to build internal AI fluency.
Leverage Partnerships: Collaborate with technology providers to accelerate development and adoption.

Tune in to gain valuable insights to help you stay ahead and maximize your profitability in the ever-evolving mortgage landscape. #OptimizeYourAdvantage #MaximizeProfitability

Hosts & Guests:

Jim Glennon, Vice President of Hedging and Trading Client Services, Optimal Blue
James Cahill, MSR Account Manager, Optimal Blue
Kevin Foley, Director of Product Management, Optimal Blue
Shawn Chandwani, Senior Software Engineering 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:

Innovation That Delivers For Your Bottom Line – Optimal Blue

At Optimal Blue, we’re continuing to raise the bar for mortgage technology. We’re delivering innovation that solves real-world challenges and drives measurable results. From AI-powered insights with Ask Obi, to smarter automation in the Optimal Blue PPE, to a more connected ecosystem through the Comergence Solution Center, our latest advancements are designed to empower lenders, investors, and partners to work smarter, faster, and more efficiently. These innovations reflect our ongoing commitment to helping our clients navigate complexity, maximize profitability, and stay ahead in a rapidly evolving market. Innovation that delivers for your bottom line.

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Optimal Insights - Real-Time Data and Capital Markets Insights - Optimal Blue