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 loans locked between August 28, 2025 and August 20, 2026, using the current (2018-forward) methodology: APR minus APOR, always reported, to three decimal places. Nothing you enter leaves your browser.
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 August 28, 2025, use the official FFIEC or CFPB calculator for that period instead — this tool's embedded table only covers the range above.
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 the Rate Spread Is Calculated
The rate spread is the loan's APR minus the Average Prime Offer Rate (APOR) for a “comparable transaction” — a loan of the same type (fixed or adjustable) and the same loan term, as of the date the interest rate was set (the rate lock date, or if there was none, the date the interest rate was set on the note).
What to enter for each field
Rate lock date
The date the interest rate was locked (HMDA field: Rate Spread depends on the same date used for Action Taken Date context). If the rate was never locked, use the date the note was signed.
APR
The Annual Percentage Rate as disclosed on the loan (comes from the LAR's own APR-equivalent disclosure work, not from the note rate).
Rate type & term
Whether the loan is fixed or adjustable, and its full term. This selects which APOR series is the "comparable transaction" — a 5-year ARM is compared against the 5-year ARM APOR, not the 30-year fixed APOR.
Lien status
First or subordinate lien. Not used in the current (2018+) methodology's math, but it decided the reporting threshold under both prior methodologies, and it still matters for the NA rules on this page.
Where these APOR figures come from
The embedded table is pulled directly from the CFPB/FFIEC's published APOR data file at https://files.ffiec.cfpb.gov/apor/SurveyTable.csv, using the ICE Mortgage Technology-based methodology the CFPB adopted for APORs calculated on or after April 21, 2023 (the prior Freddie Mac Primary Mortgage Market Survey-based series ends April 13, 2023 and is not compatible with dates after that). FFIEC publishes new weekly rates on a rolling basis, so this page's embedded range moves forward each time it is refreshed against the source; the current range and refresh date are shown above the calculator. Rates are published to more decimal places than shown here; this tool rounds each APOR to 3 decimal places before subtracting, matching the reporting precision required under the current methodology.
When the Spread Is ‘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 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.
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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Plain text:
RATA Associates, "FFIEC Rate Spread Calculator," APOR data pulled August 20, 2026 from the CFPB/FFIEC published table. https://rataassociates.com/rate-spread-calculator/
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