Release Tables

Optimal Blue Mortgage Market Indices

Optimal Blue Mortgage Market Indices™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

		Percent
	Name	2026-01-06	2026-01-05	2025-01-07
	Primary Mortgage Indices
	30-Year Fixed Rate Conforming	6.163	6.154	6.943
	30-Year Fixed Rate Conforming Non-Adjusted	6.044	6.001	6.819
	30-Year Fixed Rate Jumbo	6.384	6.425	7.059
	30-Year Fixed Rate FHA	6.057	5.979	6.587
	30-Year Fixed Rate Veterans Affairs	5.776	5.726	6.488
	30-Year Fixed Rate USDA	5.947	5.980	6.543
	15-Year Fixed Rate Conforming	5.459	5.398	6.150
	30-Year Conforming
	Loan-to-Value <= 80
	FICO Score Greater Than 740	6.072	6.077	6.867
	FICO Score Between 720 and 739	6.189	6.085	6.966
	FICO Score Between 700 and 719	6.197	6.166	7.036
	FICO Score Between 680 and 699	6.230	6.156	6.958
	FICO Score Less Than 680	6.278	6.255	7.049
	Loan-to-Value > 80
	FICO Score Greater Than 740	6.169	6.145	6.951
	FICO Score Between 720 and 739	6.201	6.283	7.010
	FICO Score Between 700 and 719	6.462	6.326	6.971
	FICO Score Between 680 and 699	6.404	6.299	6.953
	FICO Score Less Than 680	6.431	6.587	7.382