Index Rate Histories For Adjustable Rate Mortgages

Home » What Is Current Index Rate » Index Rate Histories For Adjustable Rate Mortgages

Maybe your like

If you have an Adjustable Rate Mortgage, your ARM is tied to an index which governs changes in your loan's interest rate and, thus, your payments. This page lists historic values of major ARM indexes used by mortgage lenders and servicers. Check the latest values of many of these indexes.

ARM holders can use these ARM indexes with our ARM Check KitTM to verify the interest rate adjustments on most types of ARMs.

If you're considering an ARM, you'll want to read HSH's comprehensive Guide to Adjustable Rate Mortgages.

Current US Indicators - Last update: 02/23/2026

Latest Yesterday Week Ago
Federal Funds Rate 3.64% 3.64% 3.64%
Discount Rate 3.75% 3.75% 3.75%
Daily SOFR 3.73% 3.71% 3.65%
10 Year Treasury Security 4.09% 4.05% 4.22%
Prime Rate 6.75% 6.75% 6.75%

Source: HSH.com

Current and Historical Data by Index

Treasury Securities / Treasury Constant Maturities (TCM)Display TypeYears available
3 month, 6 month Treasury Constant MaturityWeekly Data Series Graph and data table 1985-current
1, 3, 5 year Treasury Constant MaturityWeekly Data Series Graph and data table 1985-current
2, 7, 10, 20 and 30-year Constant Maturity Weekly Data Series Graph and data table 1985-current
3 month, 6 month Treasury Constant MaturityMonthly Data Series Graph and data table 1985-current
1, 3, 5 year Treasury Constant MaturityMonthly Data Series Graph and data table 1985-current
2, 7, 10, 20 and 30-year Constant Maturity Monthly Data Series Graph and data table 1985-current
MTA - Moving Treasury Average (aka 12-MAT) Graph and data table 1991-current
Other ARM Indexes
SOFR - Secured Overnight Financing Rate Graph and data table 2020-current
Federal Cost of Funds (FedCof) Graph and data table 1985-current
Federal Funds Rate Graph and data table 2004-current
WSJ Prime Rate Tables of data 1975-current
Legacy ARM Indexes
11th District Cost of Funds (discontinued) Graph and data table 1981-2021
HSH Libor (replaces FNMA Libor)(discontinued) Graph and data table 2000-2023
National Mortgage Contract Rate (discontinued) Graph and data table 1980-2019
Monthly Median Annualized COF (discontinued) Graph and data table 1991-2011
6-Month Secondary Market CD Rates (discontinued) Graph and data table 1985-2013
Fannie Mae Libor(discontinued) Graph and data table 1990-2007
Cost of Deposits Index (CODI) (discontinued) Graph and data table 1985-2013
ARM Conversion factors - Fannie Mae and Freddie Mac RNY(discontinued) Discussion GSE RNY
Comparison Graph of Common ARM Indexes
1-year TCM vs. SOFR vs. MTA (12-MAT) Discussion and graph Last three years

About HSH Data

HSH Associates, Financial Publishers, was the nation's largest publisher of mortgage information. We contacted mortgage lenders across the country every week to collect their latest loan offerings.

Wall Street firms, secondary marketers, and others commissioned HSH to conduct surveys on varied aspects of financial products and services, including wholesale rates; fees; commitment periods; and more. Today, we're leading consumer resource for all things mortgage.

HSH strives to provide reliable, useful information, but does not guarantee that the information above is accurate.

You may display the HSH rates data on your websites, provided that you (a) display the data as-is and without any modifications, (b) attribute the data to HSH.com as the source, and (c) include a live link to HSH.com. We reserve the right to require you to remove the data and link at any time in the event that we determine that your use damages or may damage our reputation.

Tag » What Is Current Index Rate