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CURRENT AND PAST RATES*****CHECK THIS OUT*****1997-2007

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Mortgage and Lending with The Prime Financial Group Inc.
Prime Rate
Month19971998199920002001200220032004200520062007
Jan 18.25%8.50%7.75%8.50%9.50%4.75%4.25%4.00%5.25%7.25%8.25%
Feb 18.25%8.50%7.75%8.50%8.50%4.75%4.25%4.00%5.25%7.50%8.25%
Mar 18.25%8.50%7.75%8.75%8.50%4.75%4.25%4.00%5.50%7.50%8.25%
Apr 18.50%8.50%7.75%9.00%8.00%4.75%4.25%4.00%5.75%7.75%8.25%
May 18.50%8.50%7.75%9.00%7.50%4.75%4.25%4.00%5.75%7.75%8.25%
Jun 18.50%8.50%7.75%9.50%7.00%4.75%4.25%4.00%6.00%8.00%8.25%
Jul 18.50%8.50%8.00%9.50%6.75%4.75%4.00%4.25%6.25%8.25%8.25%
Aug 18.50%8.50%8.00%9.50%6.75%4.75%4.00%4.25%6.25%8.25%8.25%
Sep 18.50%8.50%8.25%9.50%6.50%4.75%4.00%4.50%6.50%8.25%8.25%
Oct 18.50%8.25%8.25%9.50%6.00%4.75%4.00%4.75%6.75%8.25%7.75%
Nov 18.50%8.00%8.25%9.50%5.50%4.75%4.00%4.75%7.00%8.25%7.50%
Dec 18.50%7.75%8.50%9.50%5.00%4.25%4.00%5.00%7.00%8.25%7.50%
 

Federal Funds Target Rate
Month19971998199920002001200220032004200520062007
Jan 15.25%5.50%4.75%5.50%6.50%1.75%1.25%1.00%2.25%4.25%5.25%
Feb 15.25%5.50%4.75%5.50%5.50%1.75%1.26%1.00%2.25%4.50%5.25%
Mar 15.25%5.50%4.75%5.75%5.50%1.75%1.25%1.00%2.50%4.50%5.25%
Apr 15.50%5.50%4.75%6.00%5.00%1.75%1.25%1.00%2.75%4.75%5.25%
May 15.50%5.50%4.75%6.00%4.50%1.75%1.25%1.00%2.75%4.75%5.25%
Jun 15.50%5.50%4.75%6.50%4.00%1.75%1.25%1.00%3.00%5.00%5.25%
Jul 15.50%5.50%5.00%6.50%3.75%1.75%1.00%1.25%3.25%5.25%5.25%
Aug 15.50%5.50%5.00%6.50%3.75%1.75%1.00%1.25%3.25%5.25%5.25%
Sep 15.50%5.50%5.25%6.50%3.50%1.75%1.00%1.50%3.50%5.25%5.25%
Oct 15.50%5.25%5.25%6.50%3.00%1.75%1.00%1.75%3.75%5.25%4.75%
Nov 15.50%5.00%5.25%6.50%2.50%1.75%1.00%1.75%4.00%5.25%4.50%
Dec 15.50%4.75%5.50%6.50%2.00%1.25%1.00%2.00%4.00%5.25%4.50%

1 Year Constant Maturity Treasury Rate
Month19971998199920002001200220032004200520062007
Jan5.61%5.24%4.51%6.12%4.81%2.16%1.36%1.24%2.86%4.45%5.06%
Feb5.53%5.31%4.70%6.22%4.68%2.23%1.30%1.24%3.03%4.68%5.05%
Mar5.80%5.39%4.78%6.22%4.30%2.57%1.24%1.19%3.30%4.77%4.92%
Apr5.99%5.38%4.69%6.15%3.98%2.48%1.27%1.43%3.32%4.90%4.93%
May5.87%5.44%4.85%6.33%3.78%2.35%1.18%1.78%3.33%5.00%4.91%
Jun5.69%5.41%5.10%6.17%3.58%2.20%1.01%2.12%3.36%5.16%4.96%
Jul5.54%5.36%5.03%6.08%3.62%1.96%1.12%2.10%3.64%5.22%4.96%
Aug5.56%5.21%5.20%6.18%3.47%1.76%1.31%2.02%3.87%5.08%4.47%
Sep5.52%4.71%5.25%6.13%2.82%1.72%1.24%2.12%3.85%4.97%4.14%
Oct5.46%4.12%5.43%6.01%2.33%1.65%1.25%2.23%4.18%5.01%4.10%
Nov5.46%4.53%5.55%6.09%2.18%1.49%1.34%2.50%4.33%5.01%3.50%
Dec5.53%4.52%5.84%5.60%2.22%1.45%1.31%2.67%4.35%4.94% 

12 Month Treasury Average (12 MTA)
Month19971998199920002001200220032004200520062007
Jan5.610%5.599%4.991%5.212%5.999%3.260%1.935%1.234%2.022%3.751%4.983%
Feb5.570%5.581%4.940%5.338%5.871%3.056%1.858%1.229%2.171%3.888%5.014%
Mar5.647%5.547%4.889%5.458%5.711%2.912%1.747%1.225%2.347%4.011%5.027%
Apr5.733%5.496%4.832%5.580%5.530%2.787%1.646%1.238%2.504%4.143%5.029%
May5.760%5.460%4.783%5.703%5.318%2.668%1.548%1.288%2.633%4.282%5.022%
Jun5.748%5.437%4.757%5.793%5.102%2.553%1.449%1.381%2.737%4.432%5.005%
Jul5.719%5.422%4.729%5.880%4.897%2.414%1.379%1.463%2.865%4.563%4.983%
Aug5.699%5.393%4.728%5.962%4.671%2.272%1.342%1.522%3.019%4.664%4.933%
Sep5.679%5.325%4.773%6.035%4.395%2.180%1.302%1.595%3.163%4.758%4.863%
Oct5.657%5.213%4.883%6.083%4.088%2.123%1.268%1.677%3.326%4.827%4.788%
Nov5.639%5.136%4.968%6.128%3.763%2.066%1.256%1.773%3.478%4.883%4.662%
Dec5.630%5.052%5.078%6.108%3.481%2.002%1.244%1.887%3.618%4.933% 
 

1 Year LIBOR
Month19971998199920002001200220032004200520062007
Jan5.954%5.774%5.108%6.659%5.284%2.420%1.477%1.461%3.2710%4.9412%5.4414%
Feb5.954%5.836%5.405%6.760%4.925%2.496%1.368%1.365%3.5114%5.1526%5.3328%
Mar6.282%5.914%5.307%6.970%4.670%3.006%1.340%1.340%3.8420%5.2476%5.2009%
Apr6.454%6.024%5.303%6.964%4.330%2.613%1.362%1.808%3.7101%5.4217%5.2967%
May6.289%5.930%5.503%7.453%4.259%2.634%1.221%2.0764%3.7789%5.4139%5.3885%
Jun6.141%5.940%5.803%7.214%4.055%2.251%1.201%2.4682%3.8632%5.7660%5.4048%
Jul5.977%5.897%5.836%7.047%3.835%2.070%1.279%2.4632%4.1745%5.5910%5.42563%
Aug6.079%5.648%6.023%6.978%3.600%1.943%1.471%2.3001%4.3123%5.4501%5.24500%
Sep6.008%5.186%6.053%6.811%2.650%1.813%1.286%2.4445%4.4067%5.2985%5.27500%
Oct5.922%4.865%6.313%6.725%2.311%1.664%1.455%2.5289%4.6765%5.3348%4.90125%
Nov6.110%5.244%6.261%6.618%2.492%1.705%1.487%2.9607%4.7379%5.2439%4.63750%
Dec6.079%5.213%6.508%5.997%2.445%1.447%1.458%3.1004%4.8226%5.3139%4.45750%
 

6 Month LIBOR
Month19971998199920002001200220032004200520062007
Jan5.711%5.750%5.036%6.238%5.361%1.989%1.353%1.211%2.9582%4.8126%5.4014%
Feb5.680%5.782%5.168%6.328%4.955%2.068%1.336%1.170%3.1495%4.9907%5.3723%
Mar5.961%5.797%5.083%6.530%4.711%2.332%1.262%1.160%3.3876%5.1196%5.3212%
Apr6.079%5.868%5.075%6.614%4.231%2.100%1.290%1.368%3.4151%5.2879%5.3581%
May6.008%5.805%5.193%7.064%3.990%2.090%1.223%1.5789%3.5314%5.3215%5.3844%
Jun5.938%5.871%5.633%7.014%3.827%1.948%1.124%1.9420%3.6914%5.6382%5.3817%
Jul5.829%5.822%5.680%6.887%3.694%1.863%1.151%1.9857%3.9235%5.5473%5.38625%
Aug5.860%5.692%5.913%6.831%3.479%1.815%1.210%1.9907%4.0817%5.4501%5.32688%
Sep5.852%5.359%5.974%6.761%2.532%1.751%1.180%2.1695%4.2154%5.3704%5.53500%
Oct5.805%5.131%6.144%6.721%2.173%1.618%1.221%2.3007%4.4467%5.3898%5.13250%
Nov6.039%5.280%6.063%6.678%2.101%1.471%1.230%2.6239%4.5795%5.3495%4.80625%
Dec6.008%5.172%6.136%6.208%1.983%1.383%1.219%2.7751%4.6901%5.3651%4.91000%

 

 

3 Month LIBOR
Month19971998199920002001200220032004200520062007
Jan5.594%5.758%5.032%6.049%5.518%1.862%1.348%1.132%2.7439%4.6795%5.3601%
Feb5.555%5.782%5.065%6.104%5.103%1.920%1.336%1.120%2.9101%4.8192%5.3598%
Mar5.805%5.758%5.009%6.289%4.877%2.031%1.288%1.111%3.0995%4.9898%5.3479%
Apr5.883%5.766%4.993%6.393%4.312%1.913%1.308%1.176%3.2107%5.1479%5.3555%
May5.829%5.735%5.053%6.838%3.999%1.896%1.278%1.3082%3.3292%5.2335%5.3595%
Jun5.813%5.785%5.355%6.778%3.791%1.860%1.116%1.6039%3.5045%5.5085%5.3593%
Jul5.735%5.758%5.320%6.715%3.677%1.823%1.118%1.6945%3.6948%5.4889%5.36000%
Aug5.735%5.713%5.505%6.684%3.487%1.816%1.142%1.7901%3.8720%5.4014%5.35866%
Sep5.782%5.422%6.083%6.816%2.597%1.806%1.160%2.0054%4.0055%5.3725%5.62125%
Oct5.766%5.351%6.218%6.755%2.232%1.702%1.166%2.1582%4.2523%5.3729%5.22875%
Nov6.016%5.377%6.122%6.735%2.080%1.432%1.170%2.4026%4.4139%5.3685%4.89375%
Dec5.985%5.172%6.005%6.403%1.883%1.383%1.157%2.5582%4.5298%5.3601%5.13125%
 

1 Month LIBOR
Month19971998199920002001200220032004200520062007
Jan5.4610%5.7040%4.9460%5.8560%5.6220%1.8290%1.3390%1.0982%2.5892%4.5720%5.3201%
Feb5.4690%5.7890%5.0030%5.9070%5.2780%1.8830%1.3340%1.0973%2.6895%4.6310%5.3214%
Mar5.7190%5.7190%4.9400%6.1330%5.0780%1.8800%1.3060%1.0914%2.8582%4.8260%5.3195%
Apr5.7040%5.6880%4.9020%6.1970%4.4350%1.8420%1.3180%1.1007%3.0826%5.0245%5.3201%
May5.7110%5.6960%4.9300%6.6410%4.0590%1.8440%1.3189%1.1089%3.1126%5.1071%5.3210%
Jun5.7190%5.7480%5.2230%6.6490%3.8350%1.8360%1.1232%1.3582%3.3401%5.3451%5.3195%
Jul5.6410%5.6960%5.1780%6.6250%3.7600%1.8180%1.1036%1.4929%3.5107%5.4045%5.32000%
Aug5.6800%5.7270%5.3700%6.6280%3.5840%1.8200%1.1170%1.6482%3.6942%5.3314%5.32000%
Sep5.6720%5.4000%5.3960%6.6200%2.6370%1.8190%1.1214%1.8401%3.8584%5.3229%5.72000%
Oct5.6330%5.2770%5.4100%6.6210%2.3210%1.7410%1.1201%1.9870%4.0882%5.3198%5.12375%
Nov5.7660%5.0480%6.5030%6.8270%2.1450%1.3800%1.1157%2.2826%4.2954%5.3479%4.70625%
Dec5.8520%5.1180%5.8320%6.5650%1.8760%1.3820%1.1195%2.4178%4.3857%5.3279%5.23625%
 

11th District Cost of Funds Index
Month19971998199920002001200220032004200520062007
Jan4.821%4.987%4.608%4.901%5.514%2.823%2.308%1.811%2.183%3.347%4.392%
Feb4.759%4.968%4.562%4.967%5.426%2.744%2.257%1.841%2.317%3.604%4.376%
Mar4.780%4.917%4.519%5.002%5.198%2.653%2.210%1.815%2.400%3.624%4.299%
Apr4.822%4.903%4.490%5.078%4.946%2.723%2.208%1.802%2.515%3.759%4.224%
May4.864%4.881%4.480%5.196%4.745%2.772%2.130%1.708%2.622%3.884%4.293%
Jun4.853%4.881%4.504%5.357%4.498%2.847%2.113%1.758%2.676%4.090%4.283%
Jul4.887%4.911%4.500%5.456%4.274%2.821%2.018%1.816%2.757%4.177%4.277%
Aug4.904%4.899%4.562%5.509%4.106%2.763%1.946%1.875%2.870%4.277%4.359%
Sep4.941%4.882%4.608%5.548%3.974%2.759%1.923%1.931%2.972%4.382%4.383%
Oct4.957%4.762%4.666%5.589%3.628%2.708%1.909%1.960%3.074%4.346%4.233%
Nov4.949%4.691%4.773%5.607%3.368%2.537%1.821%2.025%3.190%4.358% 
Dec4.963%4.655%4.852%5.617%3.074%2.375%1.902%2.118%3.296%4.396% 
 

Certificates of Deposit Index
Month19971998199920002001200220032004200520062007
Jan5.393%5.625%5.413%5.418%6.428%3.363%1.688%1.132%1.693%3.674%5.217%
Feb5.412%5.639%5.359%5.511%6.366%3.077%1.643%1.113%1.836%3.837%5.266%
Mar5.432%5.643%5.303%5.613%6.262%2.828%1.586%1.098%1.996%3.996%5.301%
Apr5.461%5.633%5.245%5.730%6.116%2.607%1.533%1.085%2.163%4.158%5.324%
May5.489%5.623%5.189%5.879%5.892%2.423%1.483%1.083%2.332%4.318%5.338%
Jun5.506%5.618%5.150%6.013%5.643%2.263%1.419%1.118%2.492%4.483%5.336%
Jul5.512%5.618%5.121%6.132%5.392%2.107%1.358%1.162%2.658%4.640%5.324%
Aug5.528%5.616%5.107%6.232%5.131%1.961%1.303%1.212%2.833%4.774%5.333%
Sep5.536%5.600%5.114%6.323%4.820%1.868%1.247%1.277%3.000%4.897%5.343%
Oct5.556%5.563%5.191%6.368%4.457%1.820%1.194%1.355%3.174%4.997%5.323%
Nov5.586%5.522%5.254%6.423%4.072%1.767%1.171%1.451%3.345%5.081% 
Dec5.616%5.467%5.330%6.456%3.687%1.726%1.151%1.563%3.512%5.153% 

Wachovia Cost of Savings Index
Month19971998199920002001200220032004200520062007
Jan4.98%5.04%4.67%4.69%5.54%3.27%2.47%1.85%2.19%3.36%4.73%
Feb5.01%5.04%4.63%4.75%5.47%3.15%2.30%1.85%2.28%3.46%4.75%
Mar4.99%5.02%4.60%4.78%5.35%3.04%2.25%1.85%2.39%3.56%4.75%
Apr4.98%5.02%4.58%4.84%5.21%2.98%2.17%1.85%2.52%3.66%4.79%
May5.00%5.03%4.55%4.96%5.47%2.94%2.14%1.85%2.61%3.79%4.76%
Jun5.07%5.01%4.52%5.03%5.03%2.92%2.12%1.88%2.70%3.94%4.90%
Jul5.10%4.99%4.50%5.11%4.60%2.89%2.06%1.91%2.78%4.11%4.90%
Aug5.10%4.95%4.47%5.25%4.39%2.85%2.03%1.94%2.89%4.34%4.85%
Sep5.09%4.92%4.48%5.28%4.19%2.81%1.95%1.97%2.97%4.49%4.88%
Oct5.08%4.91%4.50%5.37%3.89%2.74%1.87%2.00%3.06%4.60%4.90%
Nov5.07%4.85%4.56%5.46%3.59%2.63%1.86%2.02%3.14%4.65% 
Dec5.04%4.79%4.64%5.52%3.39%2.56%1.85%2.08%3.24%4.69% 
 

 

Thank you,

Billy Sorrentino
ADVISOR * Branch Director



"Maintaining Honesty & Strength In The U.S. Housing Markets"

The Prime Financial Group Inc.

110 West Indiana Avenue, Suite 204
Deland, Florida 32720

(386) 852-7201 PHONE
(407) 386-7504 EFAX
PrimeFinancialGR@aol.com

 
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Comments(1)

Bob Stewart
ActiveRain - Seattle, WA
ActiveRain Ambassador
If I am a consumer, should I be expected to understand what the heck all of this means? You as the lender.........can you give me some explanations here in addition to a list of rates? 
Dec 17, 2007 03:42 AM