This dataset reflects the research standard behind BANKIRR. Rather than relying on a single headline mortgage rate, BANKIRR tracks multiple loan segments across conforming, government, jumbo, and variable products and preserves each series on its original publication schedule. The result is a more disciplined view of the mortgage market, one that acknowledges that pricing moves through different channels at different times and that serious mortgage research requires comparing those channels side by side.
Date
30YR Jumbo
30YR Fixed
30YR FHA
30YR VA
30YR Variable
15YR Fixed
Methodology: This table integrates multiple mortgage market surveys and loan datasets so each product can be represented by the source most closely associated with that segment of the market. 30YR FIXED and 15YR FIXED are sourced from Freddie Mac Primary Mortgage Market Survey releases. 30YR JUMBO, 30YR FHA, and 30YR VARIABLE are sourced from Mortgage Bankers Association weekly survey releases, with the variable column representing the published adjustable-rate series used in that survey framework. 30YR VA is sourced from publicly available Optimal Blue observations. Each row appears only when at least one source published a new observation. Blank cells indicate that no new reading was published for that product on that date. The Rates view displays the reported rate from the underlying source on the publication date. The % Change view displays the change from the prior published observation within the same product series rather than a cross-product comparison. Because these series originate from different institutions and publication schedules, the table is intentionally asynchronous. BANKIRR preserves that timing rather than smoothing or forcing uniform updates so the dataset more accurately reflects how mortgage pricing information enters the market in practice.