OBMMI™ provides the most comprehensive, accurate, timely, and interactive analysis of pricing ever conducted in the mortgage industry.
Calculated from actual locked rates with consumers across 35% of all mortgage transactions nationwide, OBMMI includes multiple mortgage pricing indices developed around the most popular mortgage products and specific borrower attributes to provide configurable trending of rates over time.
The Optimal Blue Mortgage Market Indices™ or OBMMI™ are uniquely positioned to provide unparalleled transparency into mortgage rates by utilizing observed, real-time lock data from approximately 35% of the market. This data is aggregated daily and split in informative and novel ways, covering not only conventional 30- and 15-year fixed rate indices, but also FHA, USDA, VA, and Jumbo, as well as many Detailed Mortgage Indices of the Conventional 30 group based on Loan-to-Value (LTV) and FICO credit score. The OBMMI deliver the most complete, frequent, and informative view of the mortgage rate environment based solely on observed, real-time transactions.
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Optimal Blue's OBMMI data may be linked to, utilized, posted on social media or data may be exported per the links on our OBMMI webpage without Optimal Blue's prior written consent but subject to the provisions below. By linking to, posting or otherwise using any OBMMI content, Optimal Blue grants to you a non-exclusive, limited, revocable, non-transferable, non-assignable right to access, use and link to Optimal Blue's OBMMI webpage(s) and, to use Optimal Blue's name and/or logo solely for the purpose of properly identifying Optimal Blue's content or the link from your website to the Optimal Blue website.VIEW AGREEMENT
The content contained on these OBMMI™ (“Optimal Blue Mortgage Market Indices”) webpages are those of Optimal Blue, LLC (or “Optimal Blue”) and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.
Optimal Blue’s OBMMI data may be linked to, utilized, posted on social media or data may be exported per the links on our OBMMI webpage without Optimal Blue’s prior written consent but subject to the provisions below. By linking to, posting or otherwise using any OBMMI content, Optimal Blue grants to you a non-exclusive, limited, revocable, non-transferable, non-assignable right to access, use and link to Optimal Blue’s OBMMI webpage(s) and, to use Optimal Blue’s name and/or logo solely for the purpose of properly identifying Optimal Blue’s content or the link from your website to the Optimal Blue website. In addition, you agree as follows: 1.) That the Parties are independent contractors and neither Party is an employee, agent, servant, representative, partner, joint venture, nor endorses the services or products of the other; 2.) To clearly attribute the link or any OBMMI content directly to Optimal Blue, LLC.; 3.) To not place information on your website that may objectionable, inappropriate or harmful; 4.) With immediate effect, Optimal Blue may revoke your linkage or usage of OBMMI content at any time upon notice from Optimal Blue and may request you cease use of our name and/or logo upon notice from Optimal Blue; and 5.) To comply with all applicable laws, rules and regulations related to your obligations and performance per these terms. If you prefer to publish Optimal Blue’s content on your website or in other materials, please contact Optimal Blue, LLC at firstname.lastname@example.org.
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The OBMMI™ methodology is straightforward, simply taking the average rate of all appropriate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed.
These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated on a daily basis and updated nightly with the previous day’s locks. Weekends and holidays are excluded due to lack of data. All applicable product types are included unless otherwise specified, and the breakdown of customer types is by mortgage company (82.49%), bank (15.30%), credit union (1.92%), and service provider (0.30%).View Index Definitions
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