30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Less Than 680
This dataset tracks 30-year fixed rate conforming mortgage index: loan-to-value greater than 80, fico score less than 680 over time.
Latest Value
6.94
Year-over-Year Change
-1.36%
Date Range
1/3/2017 - 8/6/2025
Summary
This economic indicator tracks 30-year fixed-rate mortgage rates for borrowers with loan-to-value ratios above 80% and FICO scores below 680. It provides critical insight into lending conditions for higher-risk residential mortgage 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 pricing for borrowers considered higher credit risk due to lower credit scores and higher loan-to-value percentages. Economists use this metric to assess lending market dynamics and potential credit accessibility challenges.
Methodology
Data is collected through comprehensive mortgage lending surveys and aggregated by financial institutions reporting to federal economic databases.
Historical Context
This trend is used by policymakers, financial regulators, and market analysts to understand credit market risk and potential economic lending constraints.
Key Facts
- Represents mortgage rates for higher-risk borrowers
- Includes loans with over 80% loan-to-value ratio
- Focuses on borrowers with FICO scores below 680
FAQs
Q: What does this mortgage index indicate?
A: It shows mortgage interest rates for borrowers with lower credit scores and higher loan-to-value percentages, indicating lending risk and credit market conditions.
Q: Why are these mortgage rates important?
A: These rates reflect lending conditions for higher-risk borrowers and can signal broader economic trends in credit accessibility and housing finance.
Q: How is the FICO score threshold determined?
A: The 680 FICO score threshold represents a commonly used benchmark for distinguishing between prime and subprime borrowers in lending markets.
Q: How do policymakers use this data?
A: Regulators and policymakers analyze this index to understand credit market dynamics, potential lending constraints, and economic risk factors.
Q: How frequently is this data updated?
A: The index is typically updated monthly, providing current insights into mortgage lending conditions and credit market trends.
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Citation
U.S. Federal Reserve, 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Less Than 680 [OBMMIC30YFLVGT80FLT680], retrieved from FRED.
Last Checked: 8/1/2025