This dataset reflects the research standard behind BANKIRR. Rather than relying on a single headline mortgage rate, BANKIRR tracks multiple loan segments across conforming, government, and jumbo products. The result is a more disciplined view of the mortgage market, one that acknowledges that pricing moves through different channels at different times and that serious mortgage research requires comparing those channels side by side.
Date
30YR Jumbo
30YR Conv
30YR FHA
30YR VA
30YR USDA
15YR Conv
Methodology: All rate data is sourced from Optimal Blue Mortgage Market Indices™ (OBMMI™), which aggregates observed, real-time lock data from approximately 35% of all mortgage transactions nationwide. Data is retrieved via Fortune's daily mortgage rate reporting, which publishes each series directly from Optimal Blue on each business day. The Rates view displays the reported Optimal Blue rate for that date. The % Change view displays the day-over-day change within each product series. Source: Optimal Blue, retrieved via Fortune. Citation required per OBMMI licensing terms.