Optimal Blue

Name: Loan-level mortgage rate-lock and pricing data generated as a byproduct of the Optimal Blue point-of-sale/pricing engine that lenders use to quote and lock loans: real-time and near-real-time primary-market rate sheets, rate lock activity, change requests, margin management and price-concession records across origination channels, aggregated into the OBMMI rate index and licensed as a daily/weekly Market Data License that now includes non-QM historical data.
Creator: Optimal Blue

OPTIMAL BLUEManage supplier listing

Loan-level mortgage rate-lock and pricing data generated as a byproduct of the Optimal Blue point-of-sale/pricing engine that lenders use to quote and lock loans: real-time and near-real-time primary-market rate sheets, rate lock activity, change requests, margin management and price-concession records across origination channels, aggregated into the OBMMI rate index and licensed as a daily/weekly Market Data License that now includes non-QM historical data.

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Coverage

Universe, instruments and categories.

Industry: Application SoftwareFinancial Exchanges & Data
Instruments: fixed_incomeequitiesstructured_products
Categories: AlternativePriceReference
Regions: US
Sample tickers: COOPSFRDNUPWKDHIPHMNVRAX

Dataset card

Type: not stated
Format: Tabular — daily/weekly loan-level and lender-level rate-sheet and lock records delivered under a data licence (API endpoint also offered), plus published index series (conforming, jumbo, FHA, VA, USDA, 15-yr) with daily change values
Volume: est. order of 10^6-10^7 priced/locked loan records per year — US single-family origination runs at roughly $300-450B annually, and the pricing engine is used for a majority of that volume, implying millions of rate-sheet quotes and locks captured each year, each with change-request and concession revisions
Users: Institutional rather than consumer registration — est. 1,000-2,000 lender organisations and channel partners quoting through the pricing engine (inferred from the company's position as the dominant US mortgage pricing/POS layer, ~380 staff, and a $2.5B transaction value recorded against the business)
History: 10 years
Update frequency: not stated
Growth: Active — the Market Data License is described as having been extended to include non-QM historical data for daily loan-level insight, and the company continues to publish dated monthly market-advantage reports and daily index updates through 2026
Launched: ~2005-2008 for the underlying pricing engine; the OBMMI index and Market Analytics/licensed market-data products are later additions dated ~2022-2023 from the collateral archive on the same domain
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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