Rates displayed are the average rate of all appropriate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. No adjustments are made for buy-up or buy-down decisions made by individuals. Data is aggregated nightly with the previous day’s locks. Weekends and holidays are excluded due to lack of lock volume. 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%).