This is not an advertisement for RAD Home Mortgage rates nor does RAD Home Mortgage guarantee these rates. None of these rates are offers to lend or an extension of credit. Data provided by Optimal Blue, LLC. Not an offer to lend. 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 the breakdown of customer types is by mortgage company (82.49%), bank (15.30%), credit union (1.92%), and service provider (0.30%).The content contained on these OBMMI™ (“Optimal Blue Mortgage Market Indices”) webpages are those of Optimal Blue, LLC (or “Optimal Blue”) and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.