30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Greater Than 740
This dataset tracks 30-year fixed rate conforming mortgage index: loan-to-value greater than 80, fico score greater than 740 over time.
Latest Value
6.55
Year-over-Year Change
-2.22%
Date Range
1/3/2017 - 8/7/2025
Summary
This economic indicator tracks the 30-year fixed-rate mortgage interest rates for high-credit borrowers with substantial down payments. It provides critical insight into lending conditions and housing market affordability for prime borrowers.
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 borrowers with excellent credit scores (above 740 FICO) and loan-to-value ratios exceeding 80%. Economists use this metric to assess lending market health, credit accessibility, and potential shifts in housing finance dynamics.
Methodology
Data is collected through comprehensive surveys of mortgage lenders, aggregating current interest rate offerings for qualified borrowers.
Historical Context
This index is crucial for policymakers, central bankers, and financial analysts in evaluating credit market conditions and potential economic interventions.
Key Facts
- Represents mortgage rates for borrowers with FICO scores above 740
- Covers loans with loan-to-value ratios greater than 80%
- Provides insight into lending conditions for high-quality borrowers
FAQs
Q: What does a high or low rate in this index indicate?
A: A high rate suggests tighter lending conditions, while a low rate indicates more favorable borrowing terms for prime borrowers.
Q: How often is this index updated?
A: The index is typically updated weekly, reflecting current market lending conditions and interest rate trends.
Q: Why are FICO scores and loan-to-value ratios important?
A: These metrics help lenders assess borrower risk and determine appropriate interest rates for mortgage lending.
Q: How do policymakers use this index?
A: Central banks and economic policymakers use this data to understand credit market dynamics and potential economic interventions.
Q: What are the limitations of this index?
A: The index only represents prime borrowers and may not reflect broader lending conditions for all credit profiles.
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Citation
U.S. Federal Reserve, 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Greater Than 740 [OBMMIC30YFLVGT80FGE740], retrieved from FRED.
Last Checked: 8/1/2025