Obtain API credentials from Optimal Blue through a client or partner agreement; access to the PPE API requires either a direct Optimal Blue lender client account or a certified integration partner relationship
Construct a product and pricing request payload with loan scenario parameters including loan amount, LTV, FICO score, property type, occupancy type, loan purpose, and lock period
POST the pricing request to the PPE product eligibility endpoint and parse the response array of eligible products with associated base rate, APR, and price (points/credits) for each investor and program
Present rate results to the loan officer and, upon product selection, POST a lock request to the lock management endpoint specifying the chosen product code, investor, lock period, and loan identifiers
Retrieve the lock confirmation response containing the lock number, committed rate, expiration date, and any lock conditions that must be satisfied prior to delivery
For best-efforts locking with participating investors (available since Optimal Blue's 2025 automation feature), the lock is transmitted directly to the investor via API without manual portal re-entry; monitor the lock status endpoint for investor confirmation
Known gotchas
Rate quote results are point-in-time; prices shift with market conditions, often multiple times per day—quotes older than a few minutes should not be presented as current without re-querying the PPE
Product eligibility rules (LTV caps, FICO minimums, geographic restrictions) are configured by the lender in the PPE; a product appearing as eligible via API is eligible under the lender's current configured guidelines, which may differ from investor actual guidelines if the lender's setup is not current
Optimal Blue does not publish a self-serve public API; all technical documentation is available only to clients and certified partners through the Optimal Blue developer portal after credentialing, making external API discovery difficult without an existing account relationship
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