Mortgage Market Indices
Daily benchmark rates from Optimal Blue OBMMI — the industry's most widely used mortgage market index. See where the market stands before you lock.
OBMMI Rate Indices
Market date: October 23, 2026
Synced Oct 26, 02:05 PM
30-Yr Conforming
7.23%
OBMMI market index
30-day range: 7.22% – 7.46%
15-Yr Conforming
6.72%
OBMMI market index
30-day range: 6.50% – 6.81%
30-Yr FHA
7.08%
OBMMI market index
30-day range: 7.01% – 7.21%
30-Yr VA
6.90%
OBMMI market index
30-day range: 6.90% – 7.13%
30-Yr Jumbo
7.48%
OBMMI market index
30-day range: 7.33% – 7.61%
30-Yr USDA
7.13%
OBMMI market index
30-day range: 6.92% – 7.26%
What This Means for You
For Homebuyers
Higher rates mean lower purchasing power. A 1% rate increase can reduce your buying capacity by 10-15%. Use our affordability calculator to see your real numbers based on today's rates.
- •Lock in rates before they move higher
- •Get pre-approved to know your real budget
- •Compare scenarios before making offers
For Homeowners
If you have a mortgage, watch for refinance opportunities when rates drop below your current rate. Use our refinance calculator to see your potential savings.
- •Refinance if rates drop 0.5%+ below yours
- •Cash-out refinance to access home equity
- •Consider rate lock if rates are rising
Ready to See Your Rate?
Today's market rates + your profile = your personalized rate offer. It takes 60 seconds and there's no credit pull.
Disclosure & Attribution
Rates shown are Optimal Blue Mortgage Market Indices (OBMMI) — daily market benchmarks, not personalized rate quotes. Your actual rate depends on your credit profile, loan amount, property type, and market conditions at time of lock.
Powered by Optimal Blue Mortgage Market Indices (OBMMI)
Mark Jones (NMLS #513437) is a Senior Loan Officer at iThink Mortgage (NMLS #1169). Rates and terms are subject to verification and approval. This content is educational and does not constitute an offer to lend.