Mortgage (ARM) Indexes
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The Federal Cost of Funds Index (COFI): Historical Data
11th District Cost of Funds Index + National Monthly Median Cost of Funds Index + Cost of Funds Index FAQ
The Federal Cost of Funds Index Starting from January of 1976*
* The Federal Home Loan Mortgage Corporation first published the Federal Cost of Funds Index in March, 1991.
The values available for earlier years illustrating what the index values would have been
for those periods were calculated by the FHLMC for research purposes only.
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1976 | 1977 | 1978 | 1979 | 1980 | 1981 | 1982 | 1983 | 1984 | 1985 |
| January | 6.775 | 6.271 | 6.782 | 8.398 | 10.316 | 11.871 | 12.883 | 10.966 | 10.642 | 10.748 |
| February | 6.708 | 6.211 | 6.921 | 8.576 | 10.617 | 12.380 | 12.990 | 10.815 | 10.789 | 10.616 |
| March | 6.629 | 6.182 | 6.995 | 8.834 | 11.224 | 12.302 | 13.036 | 10.672 | 10.694 | 10.570 |
| April | 6.558 | 6.163 | 7.033 | 8.891 | 11.553 | 12.378 | 13.109 | 10.644 | 10.852 | 10.490 |
| May | 6.587 | 6.146 | 7.136 | 8.945 | 11.128 | 12.645 | 13.131 | 10.532 | 11.085 | 10.330 |
| June | 6.586 | 6.188 | 7.232 | 8.937 | 10.497 | 12.830 | 13.158 | 10.526 | 11.028 | 10.164 |
| July | 6.560 | 6.232 | 7.328 | 8.960 | 9.976 | 13.046 | 12.512 | 10.566 | 11.163 | 9.977 |
| August | 6.571 | 6.275 | 7.403 | 9.005 | 9.887 | 13.288 | 12.771 | 10.620 | 11.309 | 9.845 |
| September | 6.570 | 6.361 | 7.533 | 9.120 | 9.940 | 13.575 | 12.336 | 10.643 | 11.372 | 9.708 |
| October | 6.542 | 6.487 | 7.699 | 9.396 | 10.088 | 13.610 | 11.917 | 10.646 | 11.403 | 9.589 |
| November | 6.478 | 6.583 | 7.992 | 9.821 | 10.594 | 13.349 | 11.589 | 10.637 | 11.206 | 9.539 |
| December | 6.333 | 6.685 | 8.181 | 10.105 | 11.342 | 12.160 | 11.207 | 10.663 | 10.982 | 9.440 |
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1986 | 1987 | 1988 | 1989 | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 |
| January | 9.406 | 7.742 | 7.834 | 8.523 | 8.557 | 8.036 | 6.894 | 5.376 | 4.883 | 6.129 |
| February | 9.325 | 7.661 | 7.798 | 8.644 | 8.555 | 7.892 | 6.436 | 5.303 | 4.872 | 6.250 |
| March | 9.184 | 7.596 | 7.736 | 8.798 | 8.500 | 7.792 | 6.324 | 5.222 | 4.928 | 6.336 |
| April | 9.018 | 7.618 | 7.720 | 8.898 | 8.495 | 7.662 | 6.197 | 5.177 | 5.007 | 6.380 |
| May | 8.855 | 7.613 | 7.738 | 8.952 | 8.506 | 7.507 | 6.091 | 5.119 | 5.100 | 6.387 |
| June | 8.695 | 7.610 | 7.786 | 8.926 | 8.509 | 7.431 | 6.006 | 5.064 | 5.238 | 6.352 |
| July | 8.551 | 7.627 | 8.010 | 8.861 | 8.492 | 7.346 | 5.861 | 5.060 | 5.353 | 6.311 |
| August | 8.400 | 7.634 | 7.965 | 8.776 | 8.439 | 7.254 | 5.739 | 4.990 | 5.446 | 6.272 |
| September | 8.179 | 7.697 | 8.089 | 8.714 | 8.408 | 7.160 | 5.611 | 4.966 | 5.562 | 6.254 |
| October | 8.033 | 7.830 | 8.174 | 8.628 | 8.428 | 7.055 | 5.514 | 4.973 | 5.676 | 6.225 |
| November | 7.891 | 7.820 | 8.143 | 8.555 | 8.252 | 6.949 | 5.413 | 4.899 | 5.797 | 6.177 |
| December | 7.781 | 7.814 | 8.399 | 8.516 | 8.178 | 6.776 | 5.384 | 4.892 | 5.971 | 6.152 |
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|
1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 |
| January | 6.084 | 5.928 | 5.937 | 5.505 | 5.671 | 6.078 | 3.841 | 2.919 | 2.373 | 2.869 |
| February | 5.988 | 5.934 | 5.911 | 5.457 | 5.752 | 5.916 | 3.687 | 2.829 | 2.339 | 2.960 |
| March | 5.957 | 5.943 | 5.895 | 5.443 | 5.864 | 5.729 | 3.646 | 2.770 | 2.300 | 3.096 |
| April | 5.929 | 5.960 | 5.871 | 5.414 | 5.897 | 5.571 | 3.582 | 2.717 | 2.293 | 3.182 |
| May | 5.920 | 5.986 | 5.855 | 5.396 | 5.961 | 5.291 | 3.526 | 2.663 | 2.295 | 3.233 |
| June | 5.935 | 5.984 | 5.838 | 5.405 | 6.009 | 5.117 | 3.510 | 2.566 | 2.339 | 3.315 |
| July | 5.951 | 5.973 | 5.827 | 5.422 | 6.053 | 4.985 | 3.437 | 2.512 | 2.425 | 3.401 |
| August | 5.977 | 5.971 | 5.809 | 5.446 | 6.096 | 4.811 | 3.373 | 2.465 | 2.466 | 3.498 |
| September | 5.991 | 5.963 | 5.768 | 5.461 | 6.125 | 4.695 | 3.278 | 2.430 | 2.558 | 3.589 |
| October | 5.977 | 5.941 | 5.669 | 5.508 | 6.166 | 4.489 | 3.214 | 2.408 | 2.633 | 3.689 |
| November | 5.970 | 5.924 | 5.579 | 5.547 | 6.185 | 4.170 | 3.125 | 2.401 | 2.684 | 3.785 |
| December | 5.940 | 5.930 | 5.522 | 5.612 | 6.171 | 4.004 | 3.013 | 2.371 | 2.780 | 3.880 |
| Source: Federal Home Loan Mortgage Corporation (Freddie Mac).
The Federal Cost of Funds Index (COFI) is calculated as the sum of the monthly average interest rates for marketable Treasury bills and for marketable Treasury notes, divided by two, and rounded to three decimal places. It is used as a benchmark for some types of mortgage loans and securities. Historical Data: Mortgage-X compiles historical values for the indexes which are widely used on adjustable rate mortgages (ARMs). Click here for a history of the Federal Cost of Funds Index (Starting from January of 1990). Mortgage Professionals Offering COFI-indexed Loans: If you are looking for a COFI-indexed ARM and need more information or advice, we invite you to take advantage of our database of the most competitive lenders available. Just complete a short loan request form and the best lenders in your local area will contact you with their rates and fees. Note: Besides the Federal Cost of Funds index lenders may also use the other Cost Of Funds indexes, e.g. 11th District Cost Of Funds index, National Monthly Median Cost of Funds. Related Articles: Back to Mortgage Indexes |
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