30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Between 720 and 739
This dataset tracks 30-year fixed rate conforming mortgage index: loan-to-value greater than 80, fico score between 720 and 739 over time.
Latest Value
6.64
Year-over-Year Change
-3.25%
Date Range
1/3/2017 - 8/5/2025
Summary
This economic indicator tracks the average 30-year fixed mortgage interest rate 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 pricing for borrowers with high credit scores and standard loan-to-value ratios, serving as a key benchmark for understanding residential real estate financing trends. Economists and financial analysts use this metric to assess lending market health and potential housing sector dynamics.
Methodology
Data is collected through comprehensive surveys of mortgage lenders, aggregating interest rate information for loans meeting specific underwriting criteria.
Historical Context
This trend is utilized by policymakers, financial institutions, and investors to evaluate credit market conditions and potential economic shifts.
Key Facts
- Represents mortgage rates for borrowers with FICO scores between 720-739
- Covers loans with loan-to-value ratios greater than 80%
- Provides standardized view of residential lending conditions
FAQs
Q: What does this mortgage index indicate?
A: It shows average mortgage interest rates for borrowers with strong credit profiles and standard loan characteristics. The index helps understand lending market conditions.
Q: How often is this data updated?
A: Typically updated monthly, reflecting current market lending rates and credit conditions. Precise update frequency can vary by data source.
Q: Why are FICO scores important in this index?
A: FICO scores represent borrower creditworthiness, with higher scores indicating lower lending risk. This index focuses on a specific high-credit-quality range.
Q: How do lenders use this index?
A: Lenders reference this index to benchmark their own mortgage pricing and assess broader market lending standards. It helps in strategic decision-making.
Q: What loan characteristics are included?
A: The index covers 30-year fixed-rate conforming loans with loan-to-value ratios over 80% and FICO scores between 720-739.
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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 720 and 739 [OBMMIC30YFLVGT80FB720A739], retrieved from FRED.
Last Checked: 8/1/2025