Daily, loan-level rate lock data from the Optimal Blue Product, Pricing, and Eligibility (PPE) engine helps investors identify mortgage and housing signals before they appear in traditional origination or servicing datasets.
Access a detailed view of current rate lock activity to inform prepayment analysis, evaluate origination trends, and strengthen investment research across mortgage and housing-related markets.
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Of U.S. origination volume
Loan-level variables
Historical observations
Historical data
CSV delivery
Understand where mortgage origination activity is moving, not simply where it has been.
A rate lock occurs before a mortgage closes and before the transaction appears in traditional origination or servicing datasets. Optimal Blue rate lock data provides an earlier, more detailed view of U.S. mortgage activity, helping investors evaluate emerging signals rather than relying solely on information that confirms what has already occurred.
That earlier signal can support prepayment analysis, origination forecasting, borrower and credit research, and investment strategies connected to the mortgage and housing markets.
Evaluate daily rate lock activity alongside your existing market data, research models, and investment assumptions.
Fixed-income and equity investors ask different questions. Both can benefit from a timely, daily, loan-level view of mortgage activity.
Optimal Blue rate lock data provides a common foundation for evaluating market movement while supporting distinct applications across fixed-income, MBS, MSR, equity, and macro strategies.
For agency MBS and MSR investors, prepayment assumptions shape expected cash flows and valuation. Daily rate lock data provides a current view of refinance incentive, mortgage rate distribution, and origination momentum.
Mortgage activity can provide an early read on businesses influenced by home financing and housing-market movement, including mortgage lenders, mortgage insurers, credit providers, and home builders.
Incorporate current mortgage rate lock activity into your analysis of potential prepayment behavior.
Evaluate rate distribution and borrower characteristics that may influence refinance activity.
Add a current view of origination activity to research involving mortgage-backed securities and mortgage servicing rights.
Examine mortgage pricing activity across available products and market segments.
Use detailed loan-level information to develop benchmarks aligned with your analytical approach.
Examine changes in borrower credit characteristics and the credit information associated with mortgage activity.
Monitor rate lock activity for indications of movement in mortgage origination volume.
Analyze changes in property values and loan amounts represented in the dataset.
Identify shifts across mortgage products, property markets, and geographic areas.
Evaluate rate activity across products, borrower profiles, and market segments.
Explore emerging changes in credit, occupancy, property, product, and other loan-level attributes.
Bring a current view of mortgage production into the investment questions that matter to your strategy.
Whether your thesis centers on prepayment behavior, mortgage production, borrower credit, product movement, or housing-market activity, Optimal Blue provides a consistent loan-level dataset for evaluating market assumptions before traditional datasets confirm them.
Analyze detailed attributes across pricing, loan profile, lock performance, and compensation.
Each observation includes information that can help investors examine mortgage pricing, borrower and loan characteristics, and the progression of a loan from rate lock through funding and commitment. The dataset includes approximately 140 variables per loan and more than 30 million historical observations from 2013 to the present.
Evaluate mortgage pricing activity.
Understand borrower, property, and product characteristics.
Follow activity across the lock lifecycle.
Add compensation detail to pricing analysis.
Expand your view of product activity and borrower characteristics beyond traditional mortgage segments.
Expanded Non-QM production detail adds another dimension for evaluating product activity, borrower characteristics, and changes in mortgage origination.
Discuss Non-QM Data With Our TeamBring daily mortgage rate lock activity into your existing research process.
Optimal Blue delivers the dataset as a CSV file through an Optimal Blue-hosted SFTP server, providing daily access to detailed rate lock information in a structured format.
Access daily CSV files through an Optimal Blue-hosted SFTP server.
Load structured, loan-level information into your organization’s research environment.
Apply the data to models, benchmarks, forecasts, and market views aligned with your investment strategy.
Connect daily rate lock activity to the market questions most relevant to your investment strategy.
Examine current rate lock activity, mortgage rate distribution, and loan characteristics to strengthen your view of potential prepayment behavior.
Monitor changes in loan activity, borrower credit, loan size, product, occupancy, and geography.
Evaluate mortgage origination activity connected to lenders, mortgage insurers, credit providers, home builders, and other businesses influenced by the housing transaction.
Support research with data used by organizations across the mortgage, investment, government, and policy communities.
Optimal Blue rate lock data is used by the Federal Reserve, government agencies, think tanks, equity and fixed-income investors, and leading residential lenders to track U.S. mortgage origination trends.
The data is also frequently cited by major news outlets and mortgage industry organizations.
Explore how daily, loan-level rate lock data may support your investment strategy.
Tell us what you are evaluating, whether that involves prepayment behavior, origination trends, borrower credit, mortgage products, geographic patterns, or housing-market activity. An Optimal Blue team member can discuss the available data and how it may align with your research priorities.
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Complete the form to start a conversation about your investment focus, research priorities, and mortgage data requirements.