30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Between 700 and 719
This dataset tracks 30-year fixed rate conforming mortgage index: loan-to-value greater than 80, fico score between 700 and 719 over time.
Latest Value
6.73
Year-over-Year Change
-2.02%
Date Range
1/3/2017 - 8/5/2025
Summary
This economic indicator tracks the 30-year fixed-rate mortgage interest rates for conforming loans with specific credit and loan characteristics. It provides critical insight into residential lending conditions and borrowing costs for homeowners with strong credit profiles.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The index represents mortgage rates for loans with loan-to-value ratios exceeding 80% and borrowers with FICO scores between 700-719. Economists use this metric to assess lending market dynamics, credit accessibility, and potential housing market trends.
Methodology
Data is collected through comprehensive surveys of mortgage lenders, aggregating actual interest rates offered to qualified borrowers meeting specific credit and loan criteria.
Historical Context
This index is used by policymakers, financial institutions, and investors to understand credit market conditions and potential economic shifts in housing finance.
Key Facts
- Represents mortgage rates for borrowers with good credit scores
- Includes loans with over 80% loan-to-value ratio
- Provides insight into lending market conditions
FAQs
Q: What does this mortgage index measure?
A: It tracks 30-year fixed mortgage rates for borrowers with FICO scores between 700-719 and loan-to-value ratios over 80%.
Q: Why are these mortgage rates important?
A: These rates indicate lending conditions and borrowing costs for homeowners with strong credit profiles in the current market.
Q: How often is this data updated?
A: The Federal Reserve typically updates this index periodically, reflecting current market lending conditions.
Q: Who uses this mortgage rate index?
A: Economists, policymakers, financial institutions, and investors use this data to understand credit and housing market trends.
Q: What are the limitations of this index?
A: The index represents a specific segment of mortgage borrowers and may not reflect the entire mortgage market's conditions.
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Citation
U.S. Federal Reserve, 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Between 700 and 719 [OBMMIC30YFLVGT80FB700A719], retrieved from FRED.
Last Checked: 8/1/2025