🌍 WORLD'S FIRST · MORTGAGE FRICTION PREDICTION MARKET

OFI
Futures

Where will the Overlay Friction Index be next quarter? Predict. Compete. Earn points. The wisdom of mortgage professionals — in one number.

Current OFI · Q2 2026 · MODERATE

Your Q3 2026 Prediction

Where will OFI land?

38-41
EASING

42-44
SOFT

44-46
FLAT

47-50
RISING

51+
TIGHT

Direction signal:

↑ Tightening

↓ Easing

✅ Prediction recorded! Results revealed October 1, 2026.

Market Consensus — 247 Predictions

44.8

Crowd OFI Forecast — Q3 2026

↑ Tightening (OFI rises)58%

↓ Easing (OFI falls)42%

58%

Brokers bullish

247

Predictions

OFI 45

Median forecast

🏆 Leaderboard — Top Predictors

MortgageM***

Broker · TX

+340 pts

UWChief***

Underwriter · FL

+298 pts

AnalystK***

Analyst · CA

+251 pts

BrokerPro***

Broker · NY

+198 pts

RateWatch***

Investor · GA

+172 pts

Top predictor wins: 3 months Zai Pro free

OFI History — Prediction Track Record

Q4 2025 38 ✓ Correct

Q1 2026 43 ✓ +1 error

Q2 2026 47 Current

Q3 2026 44.2* Forecast

*OFI official forecast. Crowd median: 45.

Scoring system:

Within ±1 point: 100 pts
Within ±2 points: 60 pts
Correct direction: 30 pts
Perfect prediction: 200 pts bonus

OFI Futures uses virtual points only — no real money, no financial instruments, no securities. This is a forecasting game for mortgage market professionals. Not financial advice. OFI = Overlay Friction Index. FinanceRateCalc Research Division.

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