Statistical Release

HSH surveys mortgage lenders across the country each week, and generates mortgage statistics and competitive analysis services from its databases with well over 25 years of current and historical data. Daily statistics and samples of our services and information are available at no cost at http://www.hsh.com/

With a market scan that large, we get a keen sense of where the market is and why -- and we tell you where the market is going in the week(s) ahead. Click here to see the latest HSH Market Trends.

These combined averages give a realistic picture of local mortgage markets, particularly important in high-cost areas.

Available Statistics Series
  • Hybrid ARM statistics, conforming (more info)
  • Hybrid ARM statistics, jumbo
  • FRM first-mortgage statistics, conforming
  • FRM first-mortgage statistics, jumbo
  • FHA 30-year FRM statistics
    		•
  • TCM- and LIBOR-based ARM statistics
  • Home Equity Line-of-credit statistics
  • Home Equity Loan (single disbursement) statistics
  • New Auto Loan statistics
  • Used Auto Loan statistics
    • New! Agency jumbo statistics -- also known as
    expanded conforming and jumbo conforming statistics -- exclusively from HSH! Learn more!

    Click here for more information or to order
    Legacy data formerly found in the HSH Statistical Release tables can be found here.
    HSH National Interest Rate Benchmarks
    For Week Ending 11/21/2008
      This Week Month Ago Year Ago Latest Trends
    Loan Types Average
    Combined Rate    		 Average
    Points    		 Average
    Combined     Rate    		 Average
    Points    		 Average
    Combined     Rate    		 Average
    Points    		 Click for Graph
    30 Yr FRM 6.67% 0.36 6.71% 0.37 6.49% 0.29
    15 Yr FRM 6.34% 0.39 6.38% 0.37 6.15% 0.29
    1/1 Yr ARM 5.86% 0.41 6.10% 0.68 6.00% 0.35
    3/1 Yr ARM 6.15% 0.42 6.33% 0.37 6.15% 0.33
    5/1 Yr ARM 6.32% 0.32 6.69% 0.38 6.25% 0.28
    7/1 Yr ARM 6.67% 0.40 7.13% 0.45 6.50% 0.37
    10/1 Yr ARM 7.23% 0.47 7.64% 0.52 6.69% 0.39
    For information on obtaining conforming and jumbo averages, click here

    Statistics reflect owner-occupied 1-4 family and condos: previously occupied homes. The data include both conforming and jumbo loans for "A" credit borrowers and include a wide range of LTV and discount structures.

    Click here for detailed explanations of the terms and data used above.

    HSH National Interest Rate Benchmarks
    For Week Ending 11/21/2008
      This Month Month Ago Year Ago Latest Trends
    Loan Types Average Rate Average Rate Average Rate Click for Graph
    New Auto Loans
    All Terms,
    FICO 700+    		 7.19% 7.07% 7.52%
    Used Auto Loans
    All Terms,
    FICO 700+         		7.67% 7.57% 8.35%
    Home Equity Loans
    Fixed Rates,
    80% CLTV         		8.28% 8.17% 8.19%
    Home Equity Lines
    Fully-Indexed,
    80% CLTV         		5.50% 5.82% 8.23%
    Source: HSHAssociates.com, Pompton Plains NJ
    1-800-UPDATES    Compile Date: 11/21/2008    ©2008 HSH Associates
    Conforming, Jumbo and FHA data series are available via data license.

    Click here for combined statistics on various metropolitan areas.
    Current Indexes for Adjustable Rate Mortgages
    Last update: 11/21/2008
      Week ending  Month of
      11/14/08 Oct 08
       1 Year Treasury Security 1.12% 1.42%
       3 Year Treasury Security 1.63% 1.86%
       5 Year Treasury Security 2.41% 2.73%
      10 Year Treasury Security 3.78% 3.81%
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      Monthly Treasury Average (MTA) Oct 08 2.2558%
      Certificate of Deposit Index (CODI) Oct 08 3.4533%
      11th District Cost of Funds Sep 08 2.769%
      Prime Rate, as of 10/30/08 4.00%
    Source: ARMindexes.com