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	Mortgage Indexes Indexes Daily Indexes Constant Maturity Treasury CMT 12-Month Treasury Average MTA 11th District Cost of Funds Index COFI Certificate of Deposit Index. CODI Cost of Savings Index COSI London Inter Bank Offering Rates LIBOR Prime Rate Fed. Funds Rates Discount Rate 12-Month Treasury Average (MTA) The Monthly Treasury Average is a relatively new ARM index. This index is the 12 month average of the monthly average yields of U.S. Treasury securities adjusted to a constant maturity of one year. It is calculated by averaging the previous 12 monthly values of the 1-Year Constant Maturity Treasury (CMT). Because this index is an annual average, it is more steady than the 1-Year CMT index. The MTA index generally fluctuates slightly more than the 11th District 11th District Cost of Funds Index (COFI)   although its movements track each other very closely. The MTA and COFI-indexed ARMs work much the same way.           MTA Index Month 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 Jan 5.60 5.78 5.55 5.59 4.99 5.21 5.99 3.26 1.93 1.23 2.02 3.7508 4.9833 Feb 5.83 5.63 5.60 5.58 4.94 5.33 5.87 3.05 1.85 1.22 2.17 3.8883 5.0142 Mar 6.01 5.54 5.64 5.54 4.88 5.45 5.71 2.91 1.74 1.22 2.34 4.0108 5.0267 Apr 6.13 5.48 5.68 5.49 4.83 5.58 5.53 2.78 1.64 1.23 2.50 4.1425 5.0292 May 6.19 5.45 5.70 5.46 4.78 5.70 5.31 2.66 1.54 1.28 2.63 4.2817 5.0217 Jun 6.22 5.47 5.69 5.43 4.75 5.79 5.10 2.55 1.44 1.38 2.73 4.4317 5.0050 Jul 6.23 5.49 5.10 5.42 4.72 5.88 4.67 2.41 1.37 1.46 2.86 4.5633 4.9833 Aug 6.24 5.48 5.66 5.39 4.72 5.96 4.39 2.27 1.34 1.52 3.01 4.6642 4.9325 Sep 6.23 5.50 5.65 5.32 4.77 6.03 4.39 2.18 1.30 1.59 3.16 4.7575 4.8633 Oct 6.19 5.50 5.62 5.21 4.88 6.08 4.08 2.12 1.26 1.67 3.32 4.8267 4.7875 Nov 6.10 5.49 5.62 5.13 4.96 6.12 3.76 2.06 1.25 1.77 3.4783 4.8833 4.6617 Dec 5.94 5.51 5.63 5.05 5.07 6.10 3.48 2.00 1.24 1.88 3.6183 4.9325