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    Act 6 Residential Lending Rates

    Act 6 regulates the maximum lawful interest rate for residential mortgages in the state. The Department of Banking calculates and announces the ceiling rate each month by adding 2.50 percentage points to the yield rate on long-term government bonds as published by the Federal Reserve Board or the United States Treasury.

     

    Residential lending rates are included for each month of the current year. Historical data is also available.

    2025 Act 6 Residential Lending Rates

    MonthRate
    January7.00%
    February 7.00%
    March7.25%
    April7.00%
    May7.00%
    June7.00%
    July7.25%
    August7.25%
    September7.25%
    October7.25%
    November 7.00%
    December 

    Historical Act 6 Lending Rates (1974-2023) (PDF)

    2025 Act 6 Base​ Figure: $319,777

    Historical Act 6 Base Figures:

    YearBase Figure
    2024$312,159
    2023$301,022
    2022 $278,204
    2021$263,975
    2020$260,404
    2019256,023
    2018$250,324
    2017$244,856
    2016$241,324
    2015$241,111
    2014$237,474
    2013$234,692
    2012$230,110
    2011$221,540
    2010$219,035
    2009$217,873