The final December value of the National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders is 3.29 percent. This is a decline of 0.07 percent from last month's rate. Many lenders use this rate in adjusting some adjustable-rate mortgages. This index was the only index rate that federally chartered savings and loan associations could use as an adjustable-rate mortgage index in the early 1980s.

Interested parties can receive up-to-date information on this index value by calling (202) 649-3993. The January index value will be announced on Feb. 26, 2013.

Announce Date	Index Month	Index Rate
January 29, 2013	December 2012	3.29
December 27, 2012	November 2012	3.36
November 29, 2012	October 2012	3.44
October 30, 2012	September 2012	3.56
September 27, 2012	August 2012	3.56
August 28, 2012	July 2012	3.66
July 26, 2012	June 2012	3.67
June 26, 2012	May 2012	3.78
May 29, 2012	April 2012	3.93
April 26, 2012	March 2012	3.90
March 27, 2012	February 2012	4.08
February 28, 2012	January 2012	4.25*
January 26, 2012	December 2011	4.15*
December 22, 2011	November 2011	4.22*
November 22, 2011	October 2011	4.19*