HUD Monthly Interest Rate Survey

Name: HUD Monthly Interest Rate Survey
Published: 2025-02-21
License: https://creativecommons.org/licenses/by/4.0

Name	File Type	Size	Last Modified
Monthly Interest Rate Survey (MIRS).zip	application/zip	136.4 MB	02/21/2025 03:03:AM

Project Citation:

Housing and Urban Development (HUD). HUD Monthly Interest Rate Survey. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2026-04-07. https://doi.org/10.3886/E220323V2

Project Description

Project Title: HUD Monthly Interest Rate Survey

Summary:

The HUD monthly interest rate survey provides information on interest rates, loan terms, and house prices. The survey is conducted by property type, loan type, and lender type.

How the survey is conducted

The survey provides information on all properties, new properties, and previously occupied properties.
The survey provides information on fixed-rate and adjustable-rate loans.
The survey provides information on lenders such as savings associations, mortgage companies, commercial banks, and savings banks.

What the survey includes

The survey provides information on interest rates, loan terms, and house prices.
The survey provides information on property type, loan type, and lender type.

Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)

On May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year Primary Mortgage Market Survey® (PMMS®) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.

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Microdata: Yes

Level of Analysis: Local - Zip, CBSA; State; Groups - Price, Rates

Variables Present: Yes - separate document

File Layout: .csv

Codebook: Yes

Methods: No

Weights (with appropriate documentation): No

Publications: No

Aggregate Data: Yes

Scope of Project

Subject Terms: interest rates; loan terms ; house prices

Geographic Coverage: United States

Related Publications

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Published Versions

V2 [2026-04-07]

V1 [2025-02-21]

Export Metadata

Dublin Core

DDI 2.5

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