11th District COFI
The 11th District COFI was a monthly savings-institution funding-cost index used by adjustable-rate mortgages before publication ended in January 2022.
Reference-index, reference-bank, benchmark-publication, and benchmark-curve terms used in rate-linked contracts.
Reference indexes and benchmark-publication terms explain how rates or indexes are produced, published, cited, and applied in contracts or valuation models. They matter because benchmark reliability depends on administrator governance, methodology, publication time, data inputs, licensing, and fallback procedures when a rate is unavailable.
Use this landing page as an orientation layer within Reference Rates, then move into Benchmark Rate, Reference Index, or Reference Bank according to whether the contract relies on a standardized publication, an index, or a bank-supplied quotation.
| Area | Use it when the question is about |
|---|---|
| 11th District Cost of Funds Index | the historical U.S. thrift funding-cost index and legacy adjustable-rate mortgage references. |
| Benchmark Rate | administrator governance, input data, methodology, publication, correction, and licensing. |
| LIBOR Curve | historical LIBOR term structures, legacy valuation, and transition-sensitive curve comparisons. |
| Reference Index | separating the named index from contractual margins, floors, reset rules, and fallback provisions. |
| Reference Bank | a named bank or panel supplies a base rate or fallback quotation under contract-defined procedures. |
A mortgage index or swap valuation may reference a published benchmark. The user must know the official source, the fixing date, whether the value is final or revised, and what happens if publication is delayed.
For decision-grade work, compare the rate label with IOSCO Principles for Financial Benchmarks, New York Fed SOFR Averages and Index, and U.S. Treasury interest rate statistics. Use the official administrator, regulator, or central-bank source required by the contract when the stakes are legal, accounting, valuation, or settlement related.
This page is for financial education only. It does not provide investment, legal, tax, accounting, or trading advice, and it should not be used as a substitute for the governing contract, official rate administrator, or qualified professional review.
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The 11th District COFI was a monthly savings-institution funding-cost index used by adjustable-rate mortgages before publication ended in January 2022.
Benchmark Rate is a benchmark-rate concept used in loan pricing, derivatives, valuation, or interest-rate analysis.
A LIBOR curve organized historical LIBOR tenor fixings or projected future LIBOR cash flows; it is now a legacy curve requiring date, currency, and methodology checks.
A reference bank is a financial institution named in a contract to supply a base rate or market quotation under specified benchmark and fallback procedures.
A reference index is an external benchmark named in a contract or valuation rule; floating rates commonly combine the index with a fixed margin and applicable caps.
WMR FX Benchmarks provide standardized spot, forward, and NDF reference rates, including widely used London closing rates for portfolio valuation and performance measurement.