# Overall median rate spread (Alpine County, California) | PIER20 benchmarks

What does Overall median rate spread (Alpine County, California) show?

Overall median rate spread (Alpine County, California) is a source-faithful PIER20 calculation from HMDA data. Scope: Privacy-modified public HMDA LAR records for Alpine County, California (county 06003), grouped by activity year. It follows the published eligibility, denominator, missing-value, revision and coverage rules in the Phase 1 computation contract.

As of **2025**, the latest reading is **0.53 percentage points**. That is down 0.3 pp over the past year and below its long-run median of 0.55 percentage points.

## Summary statistics (full history)

| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| PIER20 calculation: overall median rate spread among eligible action-1 originations | 0.36 | 0.53 | 0.36 | 0.79 |

## Last 24 readings

| Date | PIER20 calculation: overall median rate spread among eligible action-1 originations |
|---|---|
| 2022 | 0.36 |
| 2023 | 0.57 |
| 2024 | 0.79 |
| 2025 | 0.53 |

## Frequently asked questions

**What is the current overall median rate spread (Alpine County, California)?**

As of 2025, the latest reading is 0.53 percentage points. That is down 0.3 pp over the past year and below its long-run median of 0.55 percentage points.

**How often is this benchmark updated?**

This benchmark is built on annual data. The page is refreshed when the source publishes new observations; the freshness block below the chart shows the exact data-through date and when PIER20 last fetched the file.

**What data sources does this chart use?**

The chart is built from PIER20 calculation: overall median rate spread among eligible action-1 originations, sourced from the Home Mortgage Disclosure Act (HMDA) public dataset.

## Methodology

- Formula: median(rate_spread | action_taken = 1 and numeric)
- Frequency: Annual
- Sources: PIER20 calculation: overall median rate spread among eligible action-1 originations (HMDA-10) https://ffiec.cfpb.gov/data-publication/. Data via the Home Mortgage Disclosure Act (HMDA) public dataset.
- Data through: 2025
- Last refreshed: 12 Aug 2026

Full interactive chart: https://pier20.com/benchmarks/phase1-hmda-10
Disclaimer: research software output, not investment advice.