Mortgage Research Center works with market-leading data provider, Optimal Blue, to track the single day average of mortgage rates that real-world borrowers are locking in nationwide. This data gives our readers an insight into actual mortgage rates secured by nearly 40% of the US mortgage market. This ensures that rate averages displayed on our site represent a large portion of the overall market.
The displayed rates include both the base offer rate (Interest Rate) and the average points paid or credits received by the borrower. The purchase and refinance rates displayed are tracked nationally and published the following weekday morning at 6am EST.