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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 March index values Tuesday, May 30, 2017.

 

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 News Release

​April 27, 2017

March 2017​

​4.12

[PAGE]​

​March 28, 2017

February 2017​

4.27​

[PAGE]​

​February 28, 2017

​January 2017

​4.22

[PAGE]​

​January 26, 2017

December 2016​

4.00

[PAGE]

​December 27, 2016

November 2016​

3.66​

[PAGE]

​November 29, 2016

October 2016​

3.62​

[PAGE]​

​October 27, 2016

September 2016​

3.61​

[PAGE]​

​September 28, 2016

​August 2016

3.58​

[PAGE]​

​August 30, 2016

July 2016​

​3.62

[PAGE]​

​​July 27, 2016

June 2016​

3.69​

[PAGE]

​​June 29, 2016

May 2016​

3.70​

[PAGE]

May 26, 2016

April 2016

3.75

[PAGE]

April 28, 2016

March 2016

3.73

[PAGE]


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

3/2016 - 3/2017

[XLS]

Loans Closed, By Loan Type - Table 2

Monthly

 3/2016 - 3/2017

[XLS]

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

Monthly

3/2016 - 3/2017

[XLS]

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

Quarterly

1Q2016 - 1Q2017

[XLS]

Loans Closed, By FHLB District - Table 6 

Quarterly

1Q2016 - 1Q2017

[XLS]

All Homes - Table 9

Annual

1963 - 2015

[XLS]

Newly Built Homes - Table 10

Annual

1963 - 2015

[XLS]

Previously Occupied Homes - Table 11

Annual

1963 - 2015

[XLS]

Fixed-Rate Mortgages - Table 12

Annual

1963 - 2015

[XLS]

By State - Table 15

Annual

1978 - 2015

[XLS]

By Metropolitan Statistical Area (MSA) - Table 16

Annual

1978 - 2015​

[XLS]

All Homes - Table 17

Monthly

1973 - 2015

[XLS]

Newly Built Homes - Table 18

Monthly

1973 - 2015

[XLS]

Previously Occupied Homes - Table 19

Monthly

1973 - 2015

[XLS]

All Homes, Fixed-Rate Mortgages - Table 20

Monthly

1986 - 2015

[XLS]

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

Monthly

1986 - 2015

[XLS]

Previously Occupied Homes, Fixed-Rate Mortgages - Table 22

Monthly

1986 - 2015

[XLS]

All Homes, Adjustable Rate Mortgages - Table 23

Monthly

1986 - 2015

[XLS]

Newly Built Homes, Adjustable Rate Mortgages - Table 24

Monthly

1986 - 2015

[XLS]

Previously Occupied Homes, Adjustable Rate Mortgages - Table 25

Monthly

1986 - 2015

[XLS]

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

Monthly

1990 - 2015

[XLS]

Complete History of the Index

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