If you have an Adjustable Rate Mortgage, your ARM is tied to an index which governs changes in your loan's interest rate and, thus, your payments. This page lists historic values of major ARM indexes used by mortgage lenders and servicers. Check the latest values of many of these indexes.
ARM holders can use these ARM indexes with our ARM Check KitTM to verify the interest rate adjustments on most types of ARMs.
If you're considering an ARM, you'll want to read HSH's comprehensive Guide to Adjustable Rate Mortgages.
Current US Indicators - Last update: 11/25/2024
| Latest | Yesterday | Week Ago | |
|---|---|---|---|
| Federal Funds Rate | 4.58% | 4.58% | 4.58% |
| Discount Rate | 4.75% | 4.75% | 4.75% |
| Daily SOFR | 4.56% | 4.57% | 4.60% | 10 Year Treasury Security | 4.41% | 4.39% | 4.30% |
| Prime Rate | 7.75% | 7.75% | 7.75% |
Source: HSH.com
Current and Historical Data by Index
| Treasury Securities / Treasury Constant Maturities (TCM) | Display Type | Years available |
|---|---|---|
| 3 month, 6 month Treasury Constant Maturity Weekly Data Series |
Graph and data table | 1985-current |
| 1, 3, 5 year Treasury Constant Maturity Weekly Data Series |
Graph and data table | 1985-current |
| 2, 7, 10, 20 and 30-year Constant Maturity Weekly Data Series |
Graph and data table | 1985-current |
| 3 month, 6 month Treasury Constant Maturity Monthly Data Series |
Graph and data table | 1985-current |
| 1, 3, 5 year Treasury Constant Maturity Monthly Data Series |
Graph and data table | 1985-current |
| 2, 7, 10, 20 and 30-year Constant Maturity Monthly Data Series |
Graph and data table | 1985-current |
| MTA - Moving Treasury Average (aka 12-MAT) |
Graph and data table | 1991-current |
| Other ARM Indexes | ||
| SOFR - Secured Overnight Financing Rate | Graph and data table | 2020-current |
| Federal Cost of Funds (FedCof) | Graph and data table | 1985-current |
| Federal Funds Rate | Graph and data table | 2004-current |
| WSJ Prime Rate | Tables of data | 1975-current |
| Legacy ARM Indexes | ||
| 11th District Cost of Funds (discontinued) |
Graph and data table | 1981-2021 |
| HSH Libor (replaces FNMA Libor) (discontinued) |
Graph and data table | 2000-2023 |
| National Mortgage Contract Rate (discontinued) |
Graph and data table | 1980-2019 |
| Monthly Median Annualized COF (discontinued) |
Graph and data table | 1991-2011 |
| 6-Month Secondary Market CD Rates (discontinued) |
Graph and data table | 1985-2013 |
| Fannie Mae Libor (discontinued) |
Graph and data table | 1990-2007 |
| Cost of Deposits Index (CODI) (discontinued) |
Graph and data table | 1985-2013 |
| ARM Conversion factors - Fannie Mae and Freddie Mac RNY (discontinued) |
Discussion | GSE RNY |
| Comparison Graph of Common ARM Indexes | ||
| 1-year TCM vs. SOFR vs. MTA (12-MAT) | Discussion and graph | Last three years |
About HSH Data
HSH Associates, Financial Publishers, was the nation's largest publisher of mortgage information. We contacted mortgage lenders across the country every week to collect their latest loan offerings.
Wall Street firms, secondary marketers, and others commissioned HSH to conduct surveys on varied aspects of financial products and services, including wholesale rates; fees; commitment periods; and more. Today, we're leading consumer resource for all things mortgage.
HSH strives to provide reliable, useful information, but does not guarantee that the information above is accurate.
You may display the HSH rates data on your websites, provided that you (a) display the data as-is and without any modifications, (b) attribute the data to HSH.com as the source, and (c) include a live link to HSH.com. We reserve the right to require you to remove the data and link at any time in the event that we determine that your use damages or may damage our reputation.