Request mortgage rate quotes and submit a lock request via the Optimal Blue PPE API

Steps

1. 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
2. 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
3. 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
4. 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
5. Retrieve the lock confirmation response containing the lock number, committed rate, expiration date, and any lock conditions that must be satisfied prior to delivery
6. 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