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​Monthly Interest Rate Survey (MIRS)

 

The survey provides monthly information on interest rates, loan terms, and house prices by property type (all, new, previously occupied), by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks, and savings banks), as well as information on 15-year and​​​ 30-year fixed-rate loans.  In addition, the survey provides quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district.

To conduct this survey, FHFA asks a sample of mortgage lenders to report the terms and conditions on all single-family, fully amortized, purchase-money, nonfarm loans that they close during the last five business days of the month.  The survey excludes FHA-insured and VA-guaranteed loans, multifamily loans, mobile home loans, and loans created by refinancing another mortgage.

FHFA will release April index values Thursday, May 26, 2016.

 

Adjustable Rate Mortgage (ARM) Index


 

Many lenders use this rate to reset the interest rate on some ARMs. This index was the only index rate that federally chartered savings and loan associations could use as an adjustable-rate mortgage index in the early 1980s.

Announcement  Date Index Month Index Rate

​April 28, 2016

​March 2016

3.73​

​March 29, 2016

​February 2016

​3.88

​February 25, 2016

​January 2016

​3.98

​January 28, 2016

​December 2015

​3.97

​December 30, 2015

​November 2015

​3.85

​November 24, 2015

​October 2015

3.89​

​October 29, 2015

​September 2015

3.93​

​September 29, 2015

​August 2015

​3.99

​August 27, 2015

​July 2015

4.02​

​July 30, 2015

​June 2015

​3.85

​June 25, 2015

​May 2015

3.75​

​M​​ay 28, 2015 

​April 2015 

3.78​

​​April 28, 2015

​March​ 2015

3.80​

​March 26, 2015

​February 2015

3.77​

​February 26, 2015 

​January 2015

​​3.88

​January 29, 2015

​December 2014

​3.98

​December 30, 2014

​November 2014

​4.00

November 25, 2014

​​​October 2014 ​

4.11

​​October 30, 2014 

​September 2014 

​4.06

​September 30, 2014

​August 2014

4.08​

​​August 28, 2014

​July 2014

​4.09

​July 31, 2014​

​June 2014

​4.08

​June 26, 2014

​May 2014

4.18​

​May 29, 201​​​4

​April 2014

​4.24​

​April 29, 2014

​March 2014

​4.22

March 27, 2014

February 2014

4.30

​February 27, 2014

​January 2014

​4.37

January 30, 2014

December 2013

4.25

December 24, 2013

November 2013

4.21

November 26, 2013

October 2013

4.32

October 29, 2013

September 2013

4.38

September 26, 2013

August 2013

4.26

August 29, 2013

July 2013

4.01

July 30, 2013

June 2013

3.55

June 27, 2013

May 2013

3.40

May 30, 2013

April 2013

3.56

April 25, 2013

March 2013

3.54

March 28, 2013

February 2013

3.43

February 26, 2013

January 2013

3.35

​​

 

Historical Summary Tables


 

The following tables present historical summary data prior to 2008 containing Rates and Terms on Conventional Single-Family Non-farm Mortgage Loans. This survey is the nation's most comprehensive source of information on conventional mortgage rates and terms.

            Description Reporting Period ​Format

​Loans Closed, By Property Type - Table 1

​Monthly

​3/2015 - 3/2016

[XLS]​​

Loans Closed, By Loan Type - Table 2

​Monthly

 3/2015 - 3/2016

[XLS]

Loans Closed, 15- and 30- Year Fixed-Rate Mortgages - Table 4

Monthly​

3/2015 - 3/2016

[XLS]​​​​

Loans Closed, By Metropolitan Statistical Area (MSA) - Table 5

Quarterly​

1Q2015 - 1Q2016​​​​

[XLS]

​Loans Closed, By FHLB District - Table 6 

Quarterly​

1Q2015 - 1Q2016​

[XLS]

All Homes - Table 9

Annual​

1963 - 2012

[XLS]

Newly Built Homes - Table 10

Annual​

1963 - 2012

[XLS]

Previously Occupied Homes - Table 11

​Annual

1963 - 2012

[XLS]

Fixed-Rate Mortgages - Table 12

​Annual

1963 - 2012

[XLS]

By State - Table 15

Annual​

1978 - 2012

[XLS]

By Metropolitan Statistical Area (MSA) - Table 16

Annual​

1978 - 2010

[XLS]

All Homes - Table 17

Monthly​

1973 - 2012

[XLS]

Newly Built Homes - Table 18

​Monthly

1973 - 2012

[XLS]

Previously Occupied Homes - Table 19

Monthly​

1973 - 2012

[XLS]

All Homes, Fixed-Rate Mortgages - Table 20

​Monthly

1986 - 2012

[XLS]

Newly-Built Homes, Fixed-Rate Mortgages - Table 21

​Monthly

1986 - 2012

[XLS]

Previously Occupied Homes, Fixed-Rate Mortgages - Table 22

Monthly​

1986 - 2012

[XLS]

All Homes, Adjustable Rate Mortgages - Table 23

Monthly​

1986 - 2012

[XLS]

Newly Built Homes, Adjustable Rate Mortgages - Table 24

Monthly​

1986 - 2012

[XLS]

Previously Occupied Homes, Adjustable Rate Mortgages - Table 25

Monthly

1986 - 2012

[XLS]

All Homes, 15- and 30- Year Fixed-Rate Mortgages - Table 26

Monthly

1990 - 2012

[XLS]

    

Complete History of the Index

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