APOR History Explorer
Pick a rate-lock date and a loan term and this page returns the Average Prime Offer Rate that applied. Every figure comes from the weekly APOR tables published on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA platform, January 2, 2017 to September 28, 2026. Nothing you enter leaves your browser.
Current APOR: week of September 28, 2026
These rates apply to loans whose rate was set on or after Monday, September 28, 2026, until the next weekly table takes effect. Fixed rates are indexed by loan term; adjustable rates by years to the first rate adjustment.
| Years | 3 | 5 | 7 | 10 | 15 | 20 | 30 |
|---|---|---|---|---|---|---|---|
| Fixed | 5.98% | 6.20% | 6.40% | 6.46% | 6.63% | 6.86% | 7.09% |
| Adjustable | 6.34% | 6.38% | 6.41% | 6.34% | 6.34% | 6.34% | 6.34% |
Look up an APOR
Or the date the rate was set on the note, if there was no lock.
Indexed by the term of the loan.
1 to 50 years, as published.
How APOR is set and published
The Average Prime Offer Rate is an annual percentage rate derived from average terms offered to borrowers who qualify for prime pricing. The CFPB calculates it and publishes it on the FFIEC’s HMDA platform as two tables, one for fixed-rate transactions and one for adjustable, and updates both weekly. Every week in the current files is exactly seven days after the one before it, with no gaps across the whole series.
Those two files are the authority, not a summary of it: they are what the FFIEC’s own Rate Spread Calculator reads. This page reproduces both of them in full rather than sampling them.
The CFPB documents the calculation in two parts, split at 24 April 2023: a current methodology and a previous methodology for APORs calculated before that date. Both are linked here rather than paraphrased, because which one applied to a given week decides how the figure was built.
Which week applies to your lock date
The rate spread compares your APR to the APOR for a comparable transaction as of the date the interest rate was set: the rate-lock date, or if there was no lock, the date the rate was set on the note. Because the tables are weekly, the figure that applies is the most recently published week on or before that date, which is what the lookup above returns and what it names in its answer.
That also means a lock on a Friday and a lock on the following Sunday use the same APOR, and a lock on the Monday after does not. The lookup shows the effective week alongside the rate so the distinction is visible rather than assumed.
One boundary worth knowing: the FFIEC states that its calculator “provides rate spreads for HMDA reportable loans with a final action date on or after January 1st, 2018”. The published tables start earlier, on January 2, 2017, because a loan with a 2018 action date can have a 2017 lock date. For anything before that, the FFIEC’s archived calculator for the period is the right tool, and this page will tell you it has no figure rather than extrapolate one.
What each table is indexed by, and why it matters
The two files do not count the same thing, and the column headers say so. The fixed table’s columns are headed “Term of Loan in Years”. The adjustable table’s columns are headed “Years to First Adjustment”.
So a 30-year fixed mortgage is compared against column 30 of the fixed table, while a 5/1 ARM amortizing over 30 years is compared against column 5 of the adjustable table, not column 30. Reading the ARM table as though it were indexed by loan term is a quiet way to produce a wrong rate spread on every adjustable loan in a file, and it is not the kind of error an edit check catches, because the number that results is a perfectly valid rate. The lookup above relabels the term field when you switch rate type for exactly this reason.
The series since 2017
The 30-year fixed, the 15-year fixed and the 5-year adjustable APORs, every published week from January 2, 2017 to September 28, 2026. Drawn from the same figures the lookup uses.
── 30-year fixed ── 15-year fixed ┄┄ 5-year adjustable · latest published week September 28, 2026: 7.09%, 6.63%, 6.38%.
The last 52 weeks
The full history is in the lookup and the chart above. This is the year, for reading and for copying.
| Week effective | 30-year fixed | 15-year fixed | 5-year adjustable |
|---|---|---|---|
| Sep 28, 2026 | 7.09% | 6.63% | 6.38% |
| Sep 21, 2026 | 7.05% | 6.55% | 6.37% |
| Sep 14, 2026 | 6.84% | 6.34% | 6.34% |
| Sep 7, 2026 | 6.78% | 6.25% | 6.32% |
| Aug 31, 2026 | 6.71% | 6.16% | 6.31% |
| Aug 24, 2026 | 6.72% | 6.18% | 6.30% |
| Aug 17, 2026 | 6.71% | 6.18% | 6.30% |
| Aug 10, 2026 | 6.72% | 6.16% | 6.30% |
| Aug 3, 2026 | 6.68% | 6.20% | 6.30% |
| Jul 27, 2026 | 6.64% | 6.12% | 6.26% |
| Jul 20, 2026 | 6.61% | 6.10% | 6.27% |
| Jul 13, 2026 | 6.53% | 6.03% | 6.25% |
| Jul 6, 2026 | 6.49% | 5.98% | 6.24% |
| Jun 29, 2026 | 6.52% | 6.02% | 6.24% |
| Jun 22, 2026 | 6.49% | 5.97% | 6.23% |
| Jun 15, 2026 | 6.57% | 6.04% | 6.23% |
| Jun 8, 2026 | 6.51% | 6.02% | 6.22% |
| Jun 1, 2026 | 6.52% | 5.98% | 6.23% |
| May 25, 2026 | 6.60% | 6.09% | 6.22% |
| May 18, 2026 | 6.42% | 5.90% | 6.21% |
| May 11, 2026 | 6.41% | 5.86% | 6.20% |
| May 4, 2026 | 6.32% | 5.83% | 6.20% |
| Apr 27, 2026 | 6.26% | 5.70% | 6.19% |
| Apr 20, 2026 | 6.30% | 5.79% | 6.21% |
| Apr 13, 2026 | 6.37% | 5.85% | 6.22% |
| Apr 6, 2026 | 6.43% | 5.89% | 6.21% |
| Mar 30, 2026 | 6.43% | 5.87% | 6.20% |
| Mar 23, 2026 | 6.22% | 5.73% | 6.18% |
| Mar 16, 2026 | 6.12% | 5.61% | 6.14% |
| Mar 9, 2026 | 6.02% | 5.58% | 6.15% |
| Mar 2, 2026 | 5.98% | 5.53% | 6.15% |
| Feb 23, 2026 | 5.99% | 5.46% | 6.15% |
| Feb 16, 2026 | 6.10% | 5.53% | 6.16% |
| Feb 9, 2026 | 6.13% | 5.61% | 6.16% |
| Feb 2, 2026 | 6.10% | 5.59% | 6.16% |
| Jan 26, 2026 | 6.14% | 5.61% | 6.19% |
| Jan 19, 2026 | 6.06% | 5.50% | 6.23% |
| Jan 12, 2026 | 6.17% | 5.59% | 6.32% |
| Jan 5, 2026 | 6.19% | 5.69% | 6.39% |
| Dec 29, 2025 | 6.25% | 5.72% | 6.42% |
| Dec 22, 2025 | 6.25% | 5.72% | 6.42% |
| Dec 15, 2025 | 6.27% | 5.77% | 6.41% |
| Dec 8, 2025 | 6.22% | 5.70% | 6.46% |
| Dec 1, 2025 | 6.19% | 5.69% | 6.49% |
| Nov 24, 2025 | 6.26% | 5.73% | 6.51% |
| Nov 17, 2025 | 6.23% | 5.68% | 6.53% |
| Nov 10, 2025 | 6.26% | 5.64% | 6.53% |
| Nov 3, 2025 | 6.17% | 5.56% | 6.52% |
| Oct 27, 2025 | 6.16% | 5.66% | 6.55% |
| Oct 20, 2025 | 6.24% | 5.64% | 6.59% |
| Oct 13, 2025 | 6.29% | 5.71% | 6.62% |
| Oct 6, 2025 | 6.31% | 5.71% | 6.65% |
Copy the table
Tab-separated, so it pastes straight into a spreadsheet. The source line is part of the block on purpose: if these figures travel, the attribution travels with them.
Finishing the rate spread
An APOR on its own is half the calculation. The rate spread HMDA asks for is your loan’s APR minus this figure, and under the current methodology it is reported whether it is positive or negative, to three decimal places. Our rate spread calculator does that subtraction and states which APOR it used, and it explains the conditions under which the field is reported as NA instead.
If the calculation is one you run across a whole register rather than one loan at a time, Comply HMDA/CRA/SBL calculates rate spreads for a portfolio against the same weekly tables, with the methodology chosen per loan.
How do lenders use APOR to flag higher-priced mortgage loans?
Regulation Z runs the same APOR comparison to decide whether a loan is a higher-priced mortgage loan (HPML). Under 12 CFR 1026.35(a), a closed-end consumer loan secured by the borrower’s principal dwelling is higher-priced when its APR exceeds the APOR for a comparable transaction, as of the date the rate was set, by at least:
- 1.5 percentage points for a first lien at or below Freddie Mac’s maximum loan amount in effect on that date
- 2.5 percentage points for a first lien above that amount
- 3.5 percentage points for a subordinate lien
A first-lien HPML needs an escrow account for property taxes and insurance, and HPMLs carry extra appraisal requirements unless an exemption applies.
This is where the history earns its keep. An HPML review usually looks back: a compliance team checking last quarter’s closings has to measure each loan against the week its rate was set, which is often weeks before closing. Testing against today’s APOR, or the APOR for the closing week, misclassifies loans in both directions whenever rates move. Record the effective week with each loan’s spread and a later review can reproduce the HPML call without repeating the lookup.
Methodology and sources
Every figure on this page comes from two files and nothing else:
- APOR Fixed Rates Table, FFIEC. https://files.ffiec.cfpb.gov/apor/YieldTableFixed.txt
- APOR Adjustable Rates Table, FFIEC. https://files.ffiec.cfpb.gov/apor/YieldTableAdjustable.txt
Both are linked from the CFPB’s Rate Spread Calculator documentation. They were retrieved on September 29, 2026, and this page holds 509 weekly rows covering January 2, 2017 to September 28, 2026, for terms of 1 to 50 years in both series.
Nothing is estimated or interpolated. The rates are stored exactly as the FFIEC publishes them, to two decimal places, and displayed at that precision. The two tables were checked against each other on load: they share an identical date column and a strict seven-day cadence with no missing weeks. Where a lock date falls before the first published week, the lookup says so rather than reaching for the nearest figure.
One thing this page is not: it is not the weekly survey file. SurveyTable.csv carries more decimal places but only a rolling 52 weeks, and its columns are survey contract rates rather than the APORs used for the rate spread. If you need full precision on a recent week, that file is the place to get it; for the figure that applies to a lock date, these two tables are.
Refreshed: September 29, 2026. The FFIEC publishes a new week every week, so a date after September 28, 2026 means this page needs refreshing rather than that no rate exists.
How should you cite this page?
These are public federal figures reproduced in full, so use them freely. The only thing asked is that a reader can trace them.
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Every heading on this page carries a stable id, so a section can be linked directly. You may republish these figures with attribution and a link to https://rataassociates.com/apor-history/. If a figure here does not match the FFIEC file, tell us. We would rather fix it than be cited incorrectly.
