Proof of Usefulness Report

Optimal Blue

Analysis completed on 2/8/2026

+587
Proof of Usefulness Score
Industry Mainstay

Optimal Blue is a market-leading B2B fintech platform that processes approximately 35-40% of all mortgage locks in the U.S. and was acquired for $700M in 2023. While the project entity represents exceptional real-world utility and massive scale (far exceeding the 'calibration' examples), the specific submission provided by the user ('IronFang') contains inaccuracies (claiming audience is 'everyone') and low-effort responses. The score reflects the undeniable industry dominance and verifiable revenue of the software, significantly penalized by the poor quality of the submission evidence.

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Score Breakdown

Real World Utility+237.5
Audience Reach Impact+80.0
Technical Innovation+56.25
Evidence Of Traction+190.0
Market Timing Relevance+85.0
Functional Completeness+5.0
Subtotal+653.75
Usefulness Multiplierx0.89
Final Score+587

Project Details

Project URL
Description
Optimal Blue Secondary Services provides a comprehensive spectrum of secondary marketing technology, services and support to mortgage bankers nationwide. This innovative technology – including pricing, mortgage pipeline risk management, best execution and loan commitment services – gives clients who sell mandatory commitments the necessary tools to scrub their data for logical and eligibility errors throughout the post-lock origination process, providing them with highly accurate, real-time pipeline valuations. Users have the power to minimize errors in the hedging and loan sale process, as well as the option of a fully consultative risk pipeline management service or a self-directed experience where the client manages its pipeline using a web-based application. The Optimal Blue Secondary Services hedge model can be tailored to accommodate each client’s unique business characteristics, with a best execution technology that enables mortgage bankers to truly achieve their best execution by taking advantage of the convergence of investor pricing and guidelines, market data and pipeline analytics in a single web-based platform. The technology’s best execution analytics are time-tested, having been used for the past decade, in conjunction with Fannie Mae’s co-issue program. By infusing these analytics with accurate and up-to-date investor data from Optimal Blue’s award-winning product and pricing engine, Optimal Blue Secondary Services has pioneered the industry’s first real-time, loan-level, multiple investor and mandatory channel best execution and loan slotting tool.

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline