2023年4月24日 · Rate Spread Calculator Rate Spread Calculator: https://ffiec.cfpb.gov/tools/rate-spread The Average Prime Offer Rates (APOR) Tables are updated weekly: APOR Fixed Rates Table APOR Adjustable Rates Table This calculator provides rate spreads for HMDA reportable loans with a final action date on or after January 1st, 2018. Data Requirements

2/23/2021: Two sets of APORs were published for the week of 7/20/2020 for fixed rate loans with terms of 13 to 22 years. The first set was published on 7/16/2020 and was briefly incorporated into the Bureau’s rate spread calculator.

2024年9月11日 · The Average Prime Offer Rate (APOR) is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. Your mortgage will be considered a higher-priced mortgage loan (HPML) if the APR is a certain percentage higher than the APOR, depending on what type of loan you have:

[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.

From January 1, 2025, Applied Ocean Research will become a full gold open access journal freely available for everyone to access and read. All articles submitted after September 1, 2024, are subject to an article publishing charge (APC) after peer review and acceptance. Learn more about hybrid journals moving to open access.

The calculation of average prime offer rates (APORs) is based on survey data for eight mortgage products (the eight products): (1) 30-year fixed-rate; (2) 20-year fixed-rate; (3) 15-year fixed-rate; (4) 10-year fixed-rate; (5) 10/6 variable rate; (6) 7/6 variable rate; (7) 5/6 variable rate; and (8) 3/6 variable rate [1].

2023年4月14日 · The revised methodology describes the calculations used to determine average prime offer rates (APOR) for purposes of federal mortgage rules. APORs are annual percentage rates derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage loans that ...

2013年1月30日 · Use the above “Average Prime Offer Rates” tables for compliance with Regulation C (HMDA) and Regulation Z (TILA) amendments effective October 1, 2009.

Effective for loans with applications dates on and after July 1, 2021, the APR-APOR spread is the maximum difference by which the loan's APR cannot exceed the APOR.

2021年1月12日 · The Revised General QM rules institute a new APR/APOR rate spread test: For a first-lien covered transaction with a loan amount greater than or equal to $110,260, the APR exceeds APOR for a comparable transaction by less than 2.25 percentage points