APOR RatesCurrent Market Rates

Access the latest Average Prime Offer Rates (APOR) for determining high-cost mortgage thresholds.

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About APOR Rates

The Average Prime Offer Rate (APOR) is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors.

These rates are used to determine whether a loan is a high-cost mortgage under HOEPA. Lenders use these rates as a benchmark when evaluating whether their loans may be subject to HOEPA's requirements.