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Nikki Lamb
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Bio of Nikki Lamb

Nikki Lamb brings over two decades of experience to her role as a loan officer. A proud alumna of Southern Methodist University in Dallas, TX, Nikki’s finance career started with obtaining Series 7 and 63 licenses as a financial planner, laying the groundwork for her journey in the mortgage business across Florida and Georgia. Nikki's unique approach combines her financial planning background with in-depth mortgage knowledge, focusing on creating tailored loan setups for wealth building and meeting client needs, positioning her as a dedicated professional in securing the best financing solutions for her clients.

Mortgage Market Interest Rates

Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.

The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.

Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.

What Customers Say About Nikki Lamb

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Tracy Austin Gibson
Posted on April 20, 2024
Thank you for helping us through our very first mortgage!
Myranda Jane Masters
Posted on April 15, 2024
Nikki and her team were great about staying in constant communication with me. They were very professional and informative throughout the entire process. They put my mind at ease that I was in good hands during this very stressful time. I would recommend them to anyone!
Julie Bunker
Posted on April 12, 2024
I knew I was good hands from my first conversation with Nikki. She is extremely knowledgable, responsive and genuinely cares about you and your future. The whole team at BankSouth were so helpful in making the loan process go smoothly and the portal was easy to use and upload information to. It was a pleasure to work with Nikki and I highly recommend her.

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