Canadian Mortgage Rates, Interest Rates, and Spreads
(Nominal and Real Rates)
5 yr Mortgage Rate 5 yr Mortgage Rate 1 yr Mortgage Rate
(Chartered Bank - (Avg. Residential (Chartered Bank -
Year:Quarter Conventional Mortg) Mortg.) Conventional Mortg) Bank Rate
Nominal Real Nominal Real Nominal Real Nominal Real
1973.1 9.00% 9.06% 4.75%
1973.2 9.33% 9.32% 5.75%
1973.3 9.83% 9.92% 6.75%
1973.4 10.08% 10.08% 7.25%
1974.1 10.00% 0.32% 10.02% 0.35% 7.25% -2.43%
1974.2 11.17% 0.12% 11.11% 0.06% 8.58% -2.46%
1974.3 11.75% 0.75% 11.83% 0.83% 9.25% -1.75%
1974.4 12.00% -0.18% 11.98% -0.20% 8.92% -3.26%
1975.1 11.08% -0.55% 11.14% -0.49% 8.25% -3.38%
1975.2 10.92% 0.45% 10.96% 0.50% 8.25% -2.22%
1975.3 11.50% 0.71% 11.60% 0.81% 8.50% -2.29%
1975.4 12.00% 2.12% 12.00% 2.13% 9.00% -0.88%
1976.1 11.83% 2.37% 11.85% 2.39% 9.17% -0.29%
1976.2 12.00% 3.58% 11.98% 3.56% 9.50% 1.08%
1976.3 11.92% 5.35% 11.82% 5.25% 9.50% 2.93%
1976.4 11.25% 5.37% 11.48% 5.59% 9.00% 3.12%
1977.1 10.42% 3.85% 10.42% 3.85% 8.17% 1.60%
1977.2 10.25% 2.48% 10.33% 2.56% 7.67% -0.10%
1977.3 10.25% 1.85% 10.35% 1.95% 7.50% -0.90%
1977.4 10.25% 1.13% 10.34% 1.22% 7.50% -1.62%
1978.1 10.25% 1.22% 10.32% 1.29% 7.67% -1.37%
1978.2 10.25% 1.44% 10.39% 1.58% 8.50% -0.31%
1978.3 10.42% 1.20% 10.43% 1.21% 9.17% -0.05%
1978.4 11.25% 2.41% 11.24% 2.40% 10.58% 1.75%
1979.1 11.17% 2.22% 11.21% 2.27% 11.25% 2.30%
1979.2 11.17% 1.78% 11.09% 1.71% 11.25% 1.87%
1979.3 12.17% 3.37% 11.75% 2.95% 11.92% 3.12%
1979.4 14.25% 4.81% 13.85% 4.40% 14.00% 4.56%
1980.1 14.50% 4.99% 13.82% 4.31% 14.42% 4.91% 14.26% 4.76%
1980.2 14.25% 4.75% 14.62% 5.11% 14.00% 4.50% 12.72% 3.22%
1980.3 14.00% 3.52% 13.68% 3.20% 13.17% 2.69% 10.55% 0.07%
1980.4 15.33% 4.37% 15.16% 4.19% 14.33% 3.37% 14.03% 3.06%
1981.1 15.67% 3.35% 15.40% 3.08% 15.58% 3.27% 16.91% 4.60%
1981.2 18.08% 5.56% 17.61% 5.09% 17.92% 5.40% 18.51% 5.99%
1981.3 21.17% 8.47% 20.55% 7.86% 20.75% 8.05% 20.18% 7.49%
1981.4 18.58% 6.23% 19.04% 6.69% 18.25% 5.90% 16.12% 3.77%
1982.1 19.25% 7.87% 18.86% 7.48% 18.00% 6.62% 14.86% 3.47%
1982.2 19.58% 8.05% 19.16% 7.63% 18.50% 6.96% 15.74% 4.20%
1982.3 18.25% 7.65% 18.48% 7.87% 17.58% 6.98% 14.35% 3.74%
1982.4 15.08% 5.45% 15.05% 5.41% 13.33% 3.70% 10.89% 1.25%
1983.1 13.50% 5.80% 13.70% 6.00% 11.58% 3.89% 9.55% 1.86%
1983.2 13.08% 7.21% 13.13% 7.26% 11.00% 5.12% 9.42% 3.54%
1983.3 13.67% 8.33% 13.51% 8.18% 10.92% 5.58% 9.53% 4.20%
1983.4 12.67% 8.01% 12.83% 8.17% 10.42% 5.76% 9.71% 5.05%
1984.1 12.75% 7.59% 12.63% 7.47% 10.58% 5.43% 10.26% 5.10%
1984.2 14.17% 9.54% 14.10% 9.48% 12.33% 7.71% 11.47% 6.84%
1984.3 14.42% 10.61% 14.47% 10.66% 13.25% 9.44% 12.64% 8.83%
1984.4 13.00% 9.34% 13.24% 9.57% 11.83% 8.17% 10.88% 7.22%
1985.1 12.92% 9.30% 12.81% 9.19% 11.25% 7.63% 10.60% 6.98%
1985.2 12.17% 8.19% 12.35% 8.37% 10.17% 6.19% 9.64% 5.66%
1985.3 11.75% 7.64% 11.79% 7.68% 10.00% 5.89% 9.27% 5.16%
1985.4 11.67% 7.53% 11.77% 7.64% 9.83% 5.70% 9.08% 4.95%
1986.1 11.75% 7.45% 11.76% 7.46% 11.17% 6.87% 10.87% 6.57%
1986.2 10.83% 6.90% 10.86% 6.93% 9.92% 5.98% 8.85% 4.91%
1986.3 11.08% 6.93% 11.05% 6.90% 9.75% 5.59% 8.61% 4.46%
1986.4 11.17% 6.78% 11.22% 6.84% 9.75% 5.36% 8.53% 4.14%
1987.1 10.33% 6.31% 10.50% 6.48% 9.17% 5.15% 7.49% 3.47%
1987.2 11.17% 6.51% 10.90% 6.24% 9.67% 5.01% 8.46% 3.81%
1987.3 11.58% 7.04% 11.49% 6.94% 10.25% 5.70% 9.19% 4.64%
1987.4 11.58% 7.38% 11.67% 7.47% 10.33% 6.13% 8.47% 4.26%
1988.1 11.42% 7.30% 11.43% 7.32% 9.92% 5.80% 8.66% 4.55%
1988.2 11.25% 7.29% 11.25% 7.29% 10.42% 6.46% 9.21% 5.25%
1988.3 11.92% 7.95% 11.83% 7.86% 11.42% 7.45% 10.03% 6.07%
1988.4 12.00% 7.92% 11.90% 7.82% 11.58% 7.50% 10.84% 6.76%
1989.1 12.42% 7.94% 12.29% 7.82% 12.83% 8.36% 11.88% 7.41%
1989.2 12.25% 7.32% 12.31% 7.38% 13.08% 8.15% 12.44% 7.51%
1989.3 11.75% 6.45% 11.79% 6.49% 12.75% 7.45% 12.40% 7.10%
1989.4 11.83% 6.62% 11.82% 6.60% 12.75% 7.54% 12.46% 7.24%
1990.1 12.67% 7.25% 12.45% 7.03% 12.75% 7.33% 12.97% 7.55%
1990.2 14.25% 9.64% 13.97% 9.36% 14.25% 9.64% 13.91% 9.29%
1990.3 13.67% 9.52% 13.64% 9.49% 13.75% 9.60% 13.07% 8.92%
1990.4 12.83% 7.88% 12.91% 7.96% 12.83% 7.88% 12.23% 7.28%
1991.1 11.67% 5.23% 11.72% 5.28% 11.25% 4.81% 10.27% 3.83%
1991.2 11.25% 5.04% 11.25% 5.04% 10.25% 4.04% 9.21% 3.01%
1991.3 11.42% 5.61% 11.39% 5.58% 9.92% 4.11% 8.81% 3.00%
1991.4 10.18% 6.09% 10.27% 6.18% 8.92% 4.82% 7.84% 3.75%
1992.1 10.00% 8.42% 9.82% 8.23% 8.67% 7.08% 7.43% 5.85%
1992.2 9.93% 8.56% 10.08% 8.71% 8.17% 6.80% 6.42% 5.05%
1992.3 8.71% 7.51% 8.84% 7.64% 6.50% 5.30% 5.43% 4.23%
1992.4 9.42% 7.61% 9.35% 7.54% 8.15% 6.34% 7.85% 6.04%
1993.1 9.32% 7.20% 9.29% 7.18% 7.55% 5.43% 6.09% 3.97%
1993.2 8.95% 7.16% 8.88% 7.09% 7.25% 5.46% 5.16% 3.37%
1993.3 8.75% 7.01% 8.61% 6.87% 6.50% 4.76% 4.74% 2.99%
1993.4 8.08% 6.27% 8.03% 6.22% 6.33% 4.52% 4.37% 2.55%
1994.1 7.82% 7.27% 7.47% 6.93% 6.17% 5.62% 4.54% 3.99%
1994.2 9.92% 9.92% 9.57% 9.57% 8.28% 8.28% 6.43% 6.43%
1994.3 10.30% 10.14% 10.34% 10.19% 8.38% 8.23% 5.73% 5.57%
1994.4 10.10% 10.14% 9.98% 10.02% 8.50% 8.54% 6.36% 6.40%
1995.1 10.34% 8.82% 10.34% 8.82% 9.63% 8.11% 8.41% 6.89%
1995.2 8.96% 6.27% 9.10% 6.41% 8.50% 5.80% 7.59% 4.90%
1995.3 8.80% 6.47% 8.81% 6.48% 7.96% 5.63% 6.72% 4.39%
1995.4 8.53% 6.48% 8.62% 6.57% 7.42% 5.36% 6.50% 4.45%
1996.1 8.03% 6.58% 7.99% 6.53% 6.75% 5.29% 5.37% 3.92%
1996.2 8.50% 7.05% 8.48% 7.03% 6.50% 5.05% 5.00% 3.55%
1996.3 8.13% 6.73% 8.14% 6.74% 6.25% 4.85% 4.42% 3.01%
1996.4 7.03% 5.06% 7.15% 5.18% 5.25% 3.28% 3.33% 1.36%
1997.1 7.18% 5.07% 7.11% 4.99% 5.15% 3.03% 3.25% 1.13%
1997.2 7.33% 5.72% 7.41% 5.80% 5.38% 3.77% 3.25% 1.64%
1997.3 6.95% 5.23% 6.98% 5.26% 5.65% 3.93% 3.50% 1.78%
1997.4 6.82% 5.77% 6.77% 5.73% 5.98% 4.94% 4.08% 3.04%
1998.1 6.85% 5.81% 6.86% 5.82% 6.40% 5.36% 4.83% 3.80%
1998.2 6.95% 5.95% 6.87% 5.87% 6.55% 5.55% 5.00% 4.00%
1998.3 7.08% 6.24% 7.10% 6.25% 6.68% 5.84% 5.25% 4.40%
1998.4 6.83% 5.73% 6.79% 5.68% 6.37% 5.26% 5.33% 4.23%
1999.1 6.92% 6.15% 6.85% 6.08% 6.42% 5.65% 5.17% 4.40%
1999.2 7.32% 5.71% 7.02% 5.41% 6.45% 4.84% 4.83% 3.23%
1999.3 7.75% 5.56% 7.63% 5.44% 6.97% 4.78% 4.75% 2.56%
1999.4 8.25% 5.88% 8.05% 5.69% 7.35% 4.98% 4.92% 2.55%
2000.1 8.48% 5.83% 8.34% 5.68% 7.63% 4.98% 5.25% 2.60%
2000.2 8.52% 6.07% 8.36% 5.91% 8.03% 5.59% 5.83% 3.39%
2000.3 8.25% 5.54% 8.11% 5.40% 7.90% 5.19% 6.00% 3.29%
2000.4 8.15% 5.09% 7.98% 4.92% 7.83% 4.77% 6.00% 2.94%
2001.1 7.58% 4.82% 7.43% 4.67% 7.10% 4.34% 5.58% 2.82%
2001.2 7.67% 4.09% 7.36% 3.78% 6.73% 3.15% 4.83% 1.25%
2001.3 7.50% 4.79% 7.29% 4.58% 6.03% 3.32% 4.17% 1.45%
2001.4 6.87% 5.80% 6.63% 5.56% 4.70% 3.63% 2.67% 1.60%
2002.1 7.05% 5.50% 6.67% 5.12% 4.80% 3.25% 2.25% 0.70%
2002.2 7.37% 6.01% 6.99% 5.64% 5.50% 4.14% 2.58% 1.23%
2002.3 6.85% 4.51% 6.67% 4.33% 5.33% 3.00% 3.00% 0.66%
2002.4 6.80% 3.01% 6.45% 2.66% 5.03% 1.24% 3.00% -0.79%
2003.1 6.63% 2.15% 6.29% 1.81% 5.05% 0.57% 3.08% -1.40%
2003.2 6.20% 3.43% 6.05% 3.28% 5.08% 2.31% 3.50% 0.73%
2003.3 6.28% 4.20% 5.85% 3.77% 4.55% 2.47% 3.17% 1.08%
2003.4 6.45% 4.71% 5.95% 4.21% 4.68% 2.94% 3.00% 1.26%
2004.1 5.85% 4.94% 5.53% 4.62% 4.30% 3.39% 2.67% 1.76%
2004.2 6.45% 4.24% 5.81% 3.60% 4.57% 2.35% 2.25% 0.04%
2004.3 6.38% 4.37% 6.00% 3.99% 4.60% 2.59% 2.33% 0.32%
2004.4 6.25% 3.95% 5.84% 3.54% 4.90% 2.60% 2.75% 0.45%
2005.1 6.12% 3.99% 5.60% 3.47% 4.88% 2.76% 2.75% 0.63%
2005.2 5.90% 3.99% 5.51% 3.60% 4.83% 2.92% 2.75% 0.84%
2005.3 5.80% 3.20% 5.29% 2.69% 4.97% 2.36% 2.83% 0.23%
2005.4 6.15% 3.94% 5.52% 3.30% 5.55% 3.34% 3.33% 1.12%
2006.1 6.40% 4.04% 5.73% 3.36% 5.90% 3.54% 3.83% 1.47%
2006.2 6.82% 4.26% 6.02% 3.46% 6.37% 3.81% 4.42% 1.86%
2006.3 6.83% 5.10% 6.21% 4.48% 6.47% 4.73% 4.50% 2.77%
2006.4 6.60% 5.24% 5.96% 4.60% 6.37% 5.01% 4.50% 3.14%
2007.1 6.60% 4.78% 5.94% 4.12% 6.47% 4.65% 4.50% 2.68%
2007.2 7.01% 4.81% 6.15% 3.95% 6.83% 4.64% 4.50% 2.31%
2007.3 7.22% 5.09% 6.61% 4.48% 7.05% 4.92% 4.75% 2.62%
2007.4 7.46% 5.05% 6.72% 4.31% 7.27% 4.86% 4.67% 2.26%
2008.1 7.29% 5.51% 6.71% 4.93% 7.25% 5.47% 4.08% 2.30%
2008.2 6.93% 4.58% 6.27% 3.92% 6.68% 4.33% 3.25% 0.90%
Source: UBC Centre for Urban Economics and Real Estate calculations of Cansim and Bank of Canada data
Treasury Bill Auction - Government of Canada Spread (Conventional 5 Spread
Average Yields (6 marketable bonds, yr Mortg Rate - Avg (5 yr Mortg Rate - 1
month) Average Yield (3 to 5 yr) Resid. 5 yr Mortg Rate) yr Mortg Rate)
Nominal Real Nominal Real
4.43% 6.35% -0.06%
5.68% 7.09% 0.01%
6.52% 7.39% -0.08%
6.59% 7.11% 0.01%
6.33% -3.34% 7.11% -2.57% -0.02%
8.60% -2.45% 8.85% -2.20% 0.06%
9.13% -1.87% 9.18% -1.82% -0.08%
7.43% -4.75% 7.36% -4.82% 0.02%
6.41% -5.22% 6.53% -5.10% -0.05%
7.23% -3.24% 7.46% -3.00% -0.05%
8.18% -2.61% 8.44% -2.35% -0.10%
8.60% -1.27% 8.45% -1.43% 0.00%
8.87% -0.59% 8.37% -1.09% -0.01%
8.94% 0.52% 8.44% 0.02% 0.02%
9.01% 2.44% 8.49% 1.92% 0.10%
8.45% 2.56% 8.10% 2.22% -0.23%
7.61% 1.05% 7.76% 1.19% 0.00%
7.28% -0.49% 7.84% 0.07% -0.08%
7.25% -1.15% 7.91% -0.49% -0.10%
7.39% -1.73% 8.11% -1.01% -0.09%
7.67% -1.36% 8.50% -0.53% -0.07%
8.57% -0.24% 8.84% 0.03% -0.14%
9.06% -0.16% 8.89% -0.32% -0.01%
10.47% 1.64% 9.76% 0.92% 0.01%
10.95% 2.00% 9.92% 0.98% -0.05%
10.79% 1.41% 9.63% 0.25% 0.08%
11.65% 2.86% 10.44% 1.65% 0.42%
13.67% 4.23% 11.68% 2.23% 0.40%
14.46% 4.95% 13.18% 3.67% 0.68% 0.08%
11.73% 2.23% 11.05% 1.54% -0.37% 0.25%
10.99% 0.51% 12.27% 1.79% 0.32% 0.83%
13.96% 2.99% 12.99% 2.03% 0.18% 1.00%
16.00% 3.68% 13.55% 1.24% 0.27% 0.08%
17.95% 5.43% 15.62% 3.10% 0.48% 0.17%
20.32% 7.62% 18.20% 5.50% 0.61% 0.42%
15.70% 3.35% 15.33% 2.98% -0.46% 0.33%
15.09% 3.70% 15.37% 3.98% 0.39% 1.25%
15.75% 4.21% 15.29% 3.76% 0.42% 1.08%
13.71% 3.11% 14.11% 3.50% -0.23% 0.67%
10.53% 0.89% 11.24% 1.60% 0.03% 1.75%
9.42% 1.72% 10.59% 2.89% -0.20% 1.92%
9.34% 3.47% 10.26% 4.39% -0.05% 2.08%
9.54% 4.21% 10.92% 5.59% 0.16% 2.75%
9.65% 4.99% 10.68% 6.02% -0.16% 2.25%
10.36% 5.20% 11.30% 6.15% 0.12% 2.17%
12.06% 7.43% 12.78% 8.16% 0.07% 1.83%
12.50% 8.69% 12.47% 8.66% -0.05% 1.17%
10.70% 7.04% 11.07% 7.41% -0.24% 1.17%
10.91% 7.29% 11.16% 7.54% 0.10% 1.67%
9.90% 5.93% 10.49% 6.51% -0.18% 2.00%
9.23% 5.12% 10.30% 6.19% -0.04% 1.75%
8.98% 4.85% 9.59% 5.46% -0.11% 1.83%
10.59% 6.29% 9.65% 5.35% -0.01% 0.58%
8.87% 4.93% 9.07% 5.14% -0.03% 0.92%
8.59% 4.43% 9.17% 5.01% 0.03% 1.33%
8.50% 4.11% 8.96% 4.57% -0.06% 1.42%
7.28% 3.26% 8.14% 4.12% -0.17% 1.17%
8.62% 3.96% 9.34% 4.69% 0.27% 1.50%
9.76% 5.22% 10.27% 5.72% 0.09% 1.33%
8.85% 4.64% 9.91% 5.71% -0.09% 1.25%
8.62% 4.51% 9.19% 5.08% -0.02% 1.50%
9.33% 5.37% 9.60% 5.64% 0.00% 0.83%
10.25% 6.29% 10.15% 6.19% 0.09% 0.50%
10.96% 6.88% 10.14% 6.06% 0.10% 0.42%
12.03% 7.56% 10.72% 6.25% 0.12% -0.42%
12.00% 7.07% 10.07% 5.13% -0.06% -0.83%
12.06% 6.76% 9.88% 4.58% -0.04% -1.00%
12.05% 6.83% 10.14% 4.93% 0.02% -0.92%
12.97% 7.55% 11.15% 5.73% 0.22% -0.08%
13.61% 9.00% 11.81% 7.19% 0.28% 0.00%
12.63% 8.48% 11.13% 6.98% 0.02% -0.08%
11.81% 6.85% 10.68% 5.73% -0.08% 0.00%
9.82% 3.38% 9.74% 3.30% -0.05% 0.42%
8.97% 2.77% 9.55% 3.35% 0.00% 1.00%
8.58% 2.77% 9.29% 3.49% 0.03% 1.50%
7.44% 3.35% 8.07% 3.97% -0.09% 1.27%
7.27% 5.68% 8.11% 6.52% 0.18% 1.33%
6.28% 4.91% 7.81% 6.44% -0.15% 1.76%
5.68% 4.48% 6.65% 5.45% -0.13% 2.21%
7.17% 5.36% 7.15% 5.35% 0.07% 1.27%
6.13% 4.01% 7.15% 5.03% 0.02% 1.77%
5.30% 3.51% 6.78% 4.99% 0.07% 1.70%
4.86% 3.12% 6.17% 4.43% 0.14% 2.25%
4.32% 2.50% 5.73% 3.92% 0.05% 1.75%
4.59% 4.04% 6.09% 5.54% 0.34% 1.65%
6.86% 6.86% 7.99% 7.99% 0.35% 1.63%
6.04% 5.88% 8.39% 8.24% -0.04% 1.92%
6.87% 6.91% 8.67% 8.71% 0.12% 1.60%
8.21% 6.69% 8.61% 7.10% 0.00% 0.71%
7.33% 4.63% 7.51% 4.81% -0.14% 0.46%
6.73% 4.40% 7.55% 5.22% -0.01% 0.84%
5.88% 3.83% 6.88% 4.82% -0.09% 1.12%
5.24% 3.79% 6.56% 5.10% 0.04% 1.28%
4.93% 3.49% 6.88% 5.43% 0.02% 2.00%
4.45% 3.05% 6.33% 4.93% -0.01% 1.88%
3.15% 1.18% 5.09% 3.11% -0.12% 1.78%
3.25% 1.13% 5.39% 3.27% 0.08% 2.03%
3.39% 1.78% 5.60% 3.99% -0.08% 1.95%
3.68% 1.96% 5.18% 3.46% -0.03% 1.30%
4.23% 3.19% 5.15% 4.10% 0.04% 0.83%
4.73% 3.70% 5.16% 4.12% -0.01% 0.45%
5.00% 4.01% 5.29% 4.30% 0.08% 0.40%
5.11% 4.26% 5.31% 4.46% -0.02% 0.40%
4.83% 3.72% 4.89% 3.78% 0.05% 0.47%
4.85% 4.08% 5.04% 4.27% 0.07% 0.50%
4.72% 3.11% 5.25% 3.64% 0.30% 0.87%
4.92% 2.73% 5.59% 3.40% 0.12% 0.78%
5.20% 2.83% 6.13% 3.76% 0.20% 0.90%
5.46% 2.80% 6.29% 3.64% 0.15% 0.85%
5.86% 3.42% 6.16% 3.72% 0.16% 0.48%
5.77% 3.05% 5.93% 3.21% 0.14% 0.35%
5.73% 2.67% 5.58% 2.52% 0.17% 0.32%
4.79% 2.02% 5.06% 2.30% 0.15% 0.48%
4.37% 0.79% 5.34% 1.76% 0.31% 0.93%
3.62% 0.91% 4.86% 2.15% 0.21% 1.47%
2.30% 1.23% 4.25% 3.18% 0.24% 2.17%
2.36% 0.81% 4.74% 3.19% 0.38% 2.25%
2.87% 1.51% 4.78% 3.42% 0.37% 1.87%
3.01% 0.68% 4.16% 1.82% 0.18% 1.52%
2.84% -0.95% 4.09% 0.30% 0.35% 1.77%
3.13% -1.35% 4.19% -0.29% 0.34% 1.58%
3.25% 0.48% 3.73% 0.96% 0.15% 1.12%
2.68% 0.60% 3.74% 1.66% 0.43% 1.73%
2.69% 0.94% 3.84% 2.09% 0.50% 1.77%
2.13% 1.22% 3.31% 2.40% 0.32% 1.55%
2.12% -0.10% 3.79% 1.58% 0.64% 1.88%
2.40% 0.39% 3.87% 1.86% 0.38% 1.78%
2.63% 0.33% 3.69% 1.39% 0.41% 1.35%
2.60% 0.47% 3.52% 1.39% 0.52% 1.23%
2.55% 0.65% 3.30% 1.39% 0.39% 1.07%
2.85% 0.24% 3.36% 0.76% 0.51% 0.83%
3.47% 1.26% 3.84% 1.62% 0.63% 0.60%
3.81% 1.44% 4.02% 1.66% 0.67% 0.50%
4.24% 1.68% 4.39% 1.83% 0.80% 0.45%
4.20% 2.47% 4.04% 2.31% 0.62% 0.37%
4.17% 2.81% 3.95% 2.59% 0.64% 0.23%
4.20% 2.38% 4.00% 2.18% 0.66% 0.13%
4.41% 2.22% 4.43% 2.24% 0.86% 0.17%
4.35% 2.22% 4.40% 2.27% 0.61% 0.17%
4.06% 1.65% 4.02% 1.61% 0.73% 0.19%
3.00% 1.21% 3.23% 1.44% 0.58% 0.04%
2.83% 0.47% 3.21% 0.86% 0.66% 0.25%
Spread (5 yr Mortg Spread (1 yr
Rate - 3 to 5 yr Mortgage Rate - 6
Bond Yield) month Treasury)
2.65%
2.25%
2.44%
2.98%
2.89%
2.32%
2.57%
4.64%
4.56%
3.45%
3.06%
3.55%
3.46%
3.56%
3.43%
3.15%
2.66%
2.41%
2.34%
2.14%
1.75%
1.41%
1.52%
1.49%
1.24%
1.53%
1.72%
2.57%
1.32% -0.04%
3.20% 2.27%
1.73% 2.18%
2.34% 0.38%
2.11% -0.41%
2.47% -0.03%
2.97% 0.43%
3.25% 2.55%
3.88% 2.91%
4.29% 2.75%
4.14% 3.87%
3.85% 2.81%
2.91% 2.16%
2.82% 1.66%
2.74% 1.38%
1.99% 0.77%
1.45% 0.23%
1.38% 0.28%
1.94% 0.75%
1.93% 1.13%
1.75% 0.34%
1.68% 0.26%
1.45% 0.77%
2.08% 0.85%
2.10% 0.57%
1.76% 1.05%
1.91% 1.16%
2.21% 1.25%
2.20% 1.89%
1.82% 1.05%
1.31% 0.49%
1.67% 1.49%
2.23% 1.29%
1.65% 1.09%
1.76% 1.16%
1.86% 0.62%
1.70% 0.80%
2.18% 1.08%
1.87% 0.69%
1.69% 0.70%
1.52% -0.22%
2.44% 0.64%
2.53% 1.12%
2.15% 1.03%
1.93% 1.43%
1.70% 1.28%
2.12% 1.34%
2.12% 1.47%
1.89% 1.40%
2.11% 1.88%
2.06% 0.82%
2.26% 0.98%
2.17% 1.42%
2.17% 1.95%
2.58% 1.64%
2.35% 2.02%
1.73% 1.58%
1.92% 1.42%
1.91% 2.35%
1.43% 1.63%
1.72% 1.41%
1.45% 1.17%
1.25% 1.23%
1.66% 1.53%
1.48% 1.51%
1.62% 1.57%
1.80% 1.80%
1.95% 2.10%
1.79% 1.90%
1.73% 2.00%
1.77% 1.97%
1.67% 1.76%
1.69% 1.67%
1.66% 1.55%
1.77% 1.58%
1.95% 1.54%
1.88% 1.56%
2.07% 1.74%
2.16% 2.05%
2.12% 2.15%
2.19% 2.18%
2.35% 2.17%
2.32% 2.13%
2.57% 2.10%
2.52% 2.31%
2.32% 2.37%
2.64% 2.41%
2.61% 2.40%
2.31% 2.44%
2.59% 2.63%
2.69% 2.32%
2.71% 2.19%
2.44% 1.92%
2.47% 1.83%
2.54% 1.87%
2.61% 2.00%
2.54% 2.17%
2.66% 2.45%
2.51% 2.20%
2.56% 2.27%
2.60% 2.29%
2.60% 2.28%
2.44% 2.12%
2.31% 2.08%
2.38% 2.09%
2.43% 2.13%
2.79% 2.26%
2.65% 2.19%
2.60% 2.27%
2.58% 2.42%
2.82% 2.70%
3.44% 3.20%
4.06% 4.25%
3.72% 3.86%