FFIEC Rate Spread Calculator
Enter your APR, lock date, loan term and lien status. This tool looks up the matching Average Prime Offer Rate and returns the spread, stated to three decimal places, with the source shown.
Calculate a rate spread
Covers rates set between January 2, 2017 and October 4, 2026, using the current (2018-forward) methodology: APR minus APOR, always reported, to three decimal places. Nothing you enter leaves your browser.
Term to maturity.
Since 2004, when reporting of HMDA rate spread was first introduced, three different processes have applied. This calculator implements the current one:
- Beginning in 2018, the spread is calculated between the Annual Percentage Rate (APR) and the “Average Prime Offer Rate.” There is no longer a distinction that it only be reported when exceeding a given threshold. Where the spread should be reported, it is always reported whether negative or positive, to a minimum of 3 decimal places of precision.
- In the Q4 2009–2017 timeframe, the spread was calculated between the APR and the “Average Prime Offer Rate.” If the spread exceeded 1.5% or 3.5% for 1st and 2nd lien loan originations respectively, it was reported to 2 decimal places of precision.
- In the 2004–Q3 2009 period, the spread was calculated between the APR and the “Treasury Securities of Comparable Maturity.” If the spread exceeded 3% or 5% for 1st and 2nd lien loan originations respectively, it was reported to 2 decimal places of precision.
For a loan locked before January 2, 2017, use the official FFIEC or CFPB calculator for that period instead. This tool's APOR tables start on that date.
If what you need is the APOR itself rather than the spread, every published week is on our APOR history explorer, back to January 2, 2017, fixed and adjustable, for any term.
Or Skip the Lookup Entirely
The RATA Comply Suite calculates the rate spread for any year of HMDA data automatically, always using the correct methodology and comparative data for the time period in question — no manual lookup, no tracking which threshold applied when.
How is HMDA rate spread calculated?
Rate spread is the loan’s annual percentage rate minus the average prime offer rate (APOR) for a comparable transaction on the date the interest rate was set.
Comparable means the same amortization type and term. A fixed-rate loan is matched on its term to maturity. An adjustable-rate loan is matched on the years until its first rate adjustment, so a 5/1 ARM amortized over 30 years uses the 5-year adjustable APOR. The rate-set date is the lock date; if the rate was reset later, or there was no lock, it is the last date the rate was set before final action. The CFPB calculates the APORs and publishes them weekly on the Federal Financial Institutions Examination Council’s (FFIEC) HMDA platform, and each week’s table applies from its Monday effective date. Every week since January 2, 2017 is on our APOR history explorer.
Worked example
Four made-up loans, run through the same data and arithmetic as the calculator above. None of them is a real loan. Each rate was locked on Thursday, August 20, 2026, so the APOR comes from the week effective Monday, August 17, 2026.
| Example loan | APR | APOR on the lock date | Rate spread |
|---|---|---|---|
| 30-year fixed, first lien | 7.000% | 6.71% (30-year fixed, week of Aug 17, 2026) | 0.290 |
| 15-year fixed, first lien | 5.950% | 6.18% (15-year fixed, week of Aug 17, 2026) | -0.230 |
| 5/1 ARM, 30-year amortization | 7.000% | 6.30% (5 years to first adjustment, week of Aug 17, 2026) | 0.700 |
| 30-year fixed, first lien | 8.250% | 6.71% (30-year fixed, week of Aug 17, 2026) | 1.540 |
The ARM row is the one people get wrong. Read against the 30-year adjustable column (6.27%) instead of the 5-year column, the same loan would report 0.730 instead of 0.700. That gap was small that week; in the week of January 15, 2024 the two columns were 0.97 points apart. The last row matters beyond HMDA. A spread of 1.5 points or more on a first-lien, closed-end loan secured by the borrower’s principal dwelling, at or below Freddie Mac’s maximum loan amount, meets the Regulation Z test for a higher-priced mortgage loan. HMDA reports the number either way.
What to enter for each field
Rate lock date
The date the rate was locked. If it was reset afterward (a float-down, an expired or extended lock), use the last date it was set before final action. With no lock, use the date the rate was set.
APR
The annual percentage rate disclosed under Regulation Z (for most closed-end loans, the one on the Closing Disclosure). Not the note rate.
Rate type & term
Fixed-rate loans use the term to maturity. Adjustable-rate loans use the years to the first rate adjustment, so a 5/1 ARM uses 5 even though it amortizes over 30. A term that isn’t whole years rounds to the nearest year, and an exact half rounds down.
Lien status
First or subordinate lien. It does not change the arithmetic since 2018, but it set the reporting threshold under both earlier methodologies, and it sets the Regulation Z higher-priced threshold today: 1.5 points for most first liens, 2.5 above Freddie Mac’s maximum loan amount, 3.5 for a subordinate lien.
Which APOR table does this calculator use?
The two tables the FFIEC’s own rate spread calculator reads: YieldTableFixed.txt and YieldTableAdjustable.txt, both linked from the CFPB’s rate spread documentation. They hold every week from January 2, 2017 to September 28, 2026, for terms of 1 to 50 years, stated to two decimal places, and were retrieved on September 29, 2026. The FFIEC’s SurveyTable.csv is a different file. It carries the weekly survey rates, points and fees that go into the APOR, not the APOR itself, so subtracting one of its rates from an APR gives the wrong spread.
When is rate spread reported as NA?
A rate spread of ‘NA’ results from one or more data parameters that do not meet the specifications for reporting it. The conditions differ by reporting period.
Current Methodology
- Reported on originated loans, applications approved but not accepted (Action Taken = 2), and preapproval requests approved but not accepted (Action Taken = 8). Any other action taken results in ‘NA’.
- If the loan is a Reverse Mortgage, enter ‘NA’.
- If the transaction is an assumption, enter ‘NA’.
- If the loan is primarily for a business or commercial purpose, enter ‘NA’.
- If none of the above apply, the rate spread is calculated and reported.
Prior Methodology
- Reported on originated loans only (Action Taken = 1); any other action results in ‘NA’.
- Business/commercial purpose, non-dwelling-secured home improvement, or purchased loans: enter ‘NA’.
- Lien status 1 with a spread under 1.5 points, or lien status 2 under 3.5 points: ‘NA’.
- Lien status 3 (not secured) or 4 (purchased loan): ‘NA’. HELOCs, if reported, are also ‘NA’.
- Otherwise the spread is calculated and reported to 2 decimal places when it exceeds the threshold.
Original Methodology
- Reported on originated loans only (Action Taken = 1); any other action results in ‘NA’.
- Business/commercial purpose, non-dwelling-secured home improvement, or purchased loans: enter ‘NA’.
- Lien status 1 with a spread under 3 points, or lien status 2 under 5 points: ‘NA’.
- Lien status 3 (not secured) or 4 (purchased loan): ‘NA’. HELOCs, if reported, are also ‘NA’.
- Otherwise the spread is calculated and reported to 2 decimal places when it exceeds the threshold.
What does a reported rate spread mean for your LAR?
Since 2018 a rate spread on the LAR no longer marks a loan as expensive. Under 12 CFR 1003.4(a)(12) the field is required for every origination and every application approved but not accepted (action taken 1, 2 or 8) that is subject to Regulation Z, except assumptions, purchased loans and reverse mortgages. It is reported when it is positive, zero or negative. A blank, or an NA on a loan that should carry a number, is a reporting error.
Rate spread is also one of the loan-level fields in the public HMDA data, and fair lending pricing reviews often start with it when they compare what borrowers of different races, ethnicities or sexes paid for similar loans. Use the wrong APOR table, or read an ARM against its full term instead of its years to first adjustment, and every spread in the file shifts. That can hide a pricing disparity or create one that isn’t there. Keeping the APOR week next to each loan’s spread lets anyone check the figure later.
Verify Against the Official Calculator
This tool is a convenience lookup against the same public data the government calculators use. For anything outside its embedded date range, or as a cross-check, use the official tool for your reporting period directly.
CFPB / FFIEC Rate Spread Calculator
The current calculator, for HMDA data reported for 2018 and later.
Open the calculatorFFIEC Rate Spread Calculator
For HMDA data reported during the Q4 2009–2017 window.
Open the calculatorFFIEC Rate Spread Calculator (Legacy)
For HMDA data reported during the original 2004–Q3 2009 window.
Open the calculatorNote: Do not use a rate spread calculator to calculate the HOEPA status; they are two different fields which require two different calculations.
For more information on RATA Associates or the RATA Comply Suite, please contact us.
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RATA Associates, "FFIEC Rate Spread Calculator," APOR data pulled September 29, 2026 from the CFPB/FFIEC published table. https://rataassociates.com/rate-spread-calculator/
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