We conduct a variety of additional research and analysis that we make available to the public. This information provides ongoing insight into activities and trends in the housing market and the broader economy.
This annual survey covers primary market interest rates on several ARM products, including "hybrid" ARMs. The survey captures initial interest rate, margin, points and fees charged, and length of initial time before first adjustment.
COFI is used as a benchmark for some types of mortgage loans and securities. It 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.
Once a month, as part of the weekly Primary Mortgage Market Survey®, Freddie Mac collects the Refinance and ARM share of applications, as reported by lenders who participate in the survey.
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