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FFIEC Rate Spread Calculator

To calculate rate spreads for HMDA reportable loans, use a different calculator depending on the final action date:

  • Use the new calculator if final action was taken on or after January 1, 2018.
  • Use the calculator below if final action was taken between January 1, 2010 and December 31, 2017.
  • Use this calculator if final action was taken before January 1, 2010.

Rate Spread Calculator for final action taken between January 1, 2010 and December 31, 2017

The rate spread calculator generates the spread between the Annual Percentage Rate (APR) and a survey-based estimate of APRs currently offered on prime mortgage loans of a comparable type utilizing the “Average Prime Offer Rates” fixed or adjustable table, action taken, amortization type, lock-in date, APR, fixed term (loan maturity) or variable term (initial fixed-rate period), and lien status. Rate spread is a calculated field and is NOT simply the APR on the loan application.

A batch rate spread calculator is also available to allow institutions to calculate the rate spread on multiple Loan Application Registers (LARs).


[1] Do not use the rate spread calculator to calculate the HOEPA status; they are two different fields which require two different calculations. See Help for more details.

[2] Effective July 7, 2016, APORs will be calculated using data from a combination of Freddie Mac's Primary Mortgage Market Survey and HSH Associates' survey data. View a table of the data and its sources.

  Action Taken: 1 - Loan Originated (Info)
Amortization Type:
Lock-In Date (mm/dd/ccyy)
APR (00.00)%
Fixed Term = Loan Maturity
Variable Term = Initial Fixed-Rate Period
(Years, Whole Number; Info)
Lien Status