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
• Current Methodology for Determining Average Prime Offer Rates
• Previous Methodology for Determining Average Prime Offer Rates (prior to 4/24/2023)