Risk & Locks
Lock pipeline, rate exposure and hedging position across all seller sources.
Total Active Locks
3,428
Across all sellers
Total Lock Volume
$1.42B
Current locked UPB
Average Rate
6.84%
Weighted by volume
Locks Today
218
New locks received
At-Risk Locks
37
Require immediate review
Hedging Required
$184M
Unhedged exposure
Hedge Coverage
87.0%
Of total exposure
Expiring ≤ 5 Days
96
Locks needing action
Lock Volume Over Time
Weekly locked UPB, in billions
Latest: $1.42B
Average Rate Trend
Weighted average locked rate
Latest: 6.84%
Lock Volume by Seller
Ingested lock volume by contributing source
Locks by Rate Band
Distribution of active locks
Risk & Lock Ingestion
Source ingestion status feeding the lock book
| Source | Records Received | Processed | Exceptions | Last Ingestion | Data Quality |
|---|---|---|---|---|---|
| eRESI | 4,821 | 4,758 | 63 | Today, 9:42 AM | 98.7% |
| AOMS | 3,204 | 3,178 | 26 | Today, 9:15 AM | 99.2% |
| Homebridge | 2,917 | 2,853 | 64 | Today, 8:58 AM | 97.8% |
| Veracity | 1,900 | 1,740 | 160 | Today, 8:30 AM | 91.6% |
Risk Alerts
Actionable exceptions in the lock book
High LTV loans
LTV above 85% pending review
Low FICO loans
FICO below 660 in active locks
Pricing exceptions
Rate outside seller pricing grid
Missing lock data
Lock records missing expiration or rate
Rate exceptions
Locked rate below floor
Expiring locks
Locks expiring within 5 days
Hedging Overview
Exposure requiring hedge coverage
Total Exposure
$1.42B
Hedged Volume
$1.24B
Unhedged Volume
$184M
Hedge Coverage
87.0%
Approaching hedge thresholds
Lock Explorer
Click any loan to drill into complete loan details
| Loan ID | Seller | Loan Amount | FICO | LTV | Rate | Lock Date | Expiration | Risk Status |
|---|---|---|---|---|---|---|---|---|
| LN-10241 | eRESI | $742,000 | 712 | 78.5% | 6.875% | 2026-08-04 | 2026-09-03 | Normal |
| LN-10248 | eRESI | $1,140,000 | 648 | 88.2% | 7.375% | 2026-08-06 | 2026-08-21 | At Risk |
| LN-10263 | AOMS | $528,000 | 761 | 65% | 6.5% | 2026-08-07 | 2026-09-06 | Normal |
| LN-10271 | AOMS | $895,000 | 689 | 82.4% | 7.125% | 2026-08-08 | 2026-08-23 | Watch |
| LN-10288 | Homebridge | $610,000 | 733 | 74.1% | 6.75% | 2026-08-09 | 2026-09-08 | Normal |
| LN-10294 | Homebridge | $1,320,000 | 655 | 86.7% | 7.5% | 2026-08-10 | 2026-08-20 | At Risk |
| LN-10302 | Veracity | $465,000 | 704 | 79.9% | 6.99% | 2026-08-11 | 2026-09-10 | Watch |
| LN-10311 | Veracity | $980,000 | 671 | 84.3% | 7.25% | 2026-08-12 | 2026-08-19 | At Risk |