*Rates are provided for informational use only and are not advertised rates from us. The content provided above is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. For personalized quotes and the most accurate information please reach out to us.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 customers are categorized by mortgage company (82.49%), bank (15.30%), credit union (1.92%), and service provider (0.30%).