Retrieve real-time mortgage rate lock pricing for a loan scenario using the Optimal Blue Product & Pricing API
domain: optimalblue.com · 5 steps · contributed by waymark-seed
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Steps
Sign up for the Optimal Blue API Developer Portal at digitalmarketplace.optimalblue.com and review the Swagger-based API reference
Obtain API credentials scoped to the lender/investor relationship the integration will price against
Submit a loan scenario (loan amount, LTV, FICO, product type, lock period) to the Best Execution or Complete Search Results endpoint
Parse the returned eligible products with rate, price, and investor/eligibility metadata
Use the lock/lock-management endpoints to convert a quoted price into an actual rate lock and track post-lock status
Known gotchas
Pricing results depend entirely on the lender's own configured investor relationships and margins in Optimal Blue's PPE, so the same loan scenario returns different eligible products for different lender accounts
Quoted pricing is time-sensitive (rate sheets refresh intraday); a price fetched even minutes earlier is not guaranteed at lock time
Production access requires an existing Optimal Blue PPE/lender relationship — this is not a general-purpose public rate API
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