ARM Annual Surveys

Freddie Mac conducts an annual survey of primary market interest rates on several ARM products, including "hybrid" ARMs. The surveys capture initial interest rate, margin, points and fees charged, and length of initial time before first adjustment.

Representative Survey Period

2009 – Freddie Mac Releases 26th Annual ARM Survey Results
Lenders Find Hybrids Far More Popular With Borrowers Than Annually Adjusting ARMs
2008 – Freddie Mac Releases 25th Annual ARM Survey Results
Continued Decline In ARM Share Felt In Current Year
2007 – Freddie Mac Releases 24th Annual ARM Survey Results
Small Initial Rate Discounts, Tighter Underwriting Reduce ARM Appeal
2006 – Freddie Mac Releases 23rd Annual ARM Survey Results
Larger Initial Rate Discounts And Increased Popularity Of Hybrids

View Our Survey Archives

Publication Reference	Survey Description
Freddie Mac Reports – January 1985	Freddie Mac Releases 1st Annual ARM Survey Results Survey Findings Reveal Current ARM Design

Publication Reference	Survey Description
Freddie Mac Reports – December 1985	Freddie Mac Releases 2nd Annual ARM Survey Results ARM Survey Reveals Continuing Trend Toward Standardization

Publication Reference	Survey Description
Freddie Mac Reports – February 1987	Freddie Mac Releases 3rd Annual ARM Survey Results ARM Survey Reveals Trend Toward Tighter Underwriting

Publication Reference	Survey Description
Freddie Mac Reports – December 1987	Freddie Mac Releases 4th Annual ARM Survey Results ARM Survey Reveals Big Rate Discounts

Publication Reference	Survey Description
Freddie Mac Reports – January 1989	Freddie Mac Releases 5th Annual ARM Survey Results ARM Survey Reveals Big Rate Discounts

Publication Reference	Survey Description
Freddie Mac Reports – January 1990	Freddie Mac Releases 6th Annual ARM Survey Results ARMs In ARMageddon

Publication Reference	Survey Description
Freddie Mac Reports – January 1991	Freddie Mac Releases 7th Annual ARM Survey Results Discounts, Convertibles Still Popular

Publication Reference	Survey Description
Freddie Mac Reports – December 1991	Freddie Mac Releases 8th Annual ARM Survey Results Convertibles Hot, Discounts Not

Publication Reference	Survey Description
Secondary Mortgage Markets – Winter 1993, Vol. 10, No. 1	Freddie Mac Releases 9th Annual ARM Survey Results Teaser-rate Pricing Has Largely Disappeared From The ARM

Publication Reference	Survey Description
Secondary Mortgage Markets – Winter 1994, Vol. 11, No. 1	Freddie Mac Releases 10th Annual ARM Survey Results Teaser ARMs Return

Publication Reference	Survey Description
Secondary Mortgage Markets – Vol. 11, No. 3	Freddie Mac Releases 11th Annual ARM Survey Results Lenders Expand ARM Offerings

Publication Reference	Survey Description
Secondary Mortgage Markets – February 1996, Vol. 13, No. 1	Freddie Mac Releases 12th Annual ARM Survey Results ARMs Lose Popularity As Interest Rates Drop In 1995

Publication Reference	Survey Description
Secondary Mortgage Markets – December 1996, Vol. 13, No. 4	Freddie Mac Releases 13th Annual ARM Survey Results ARM Lenders Compete On Introductory Rates

Publication Reference	Survey Description
Secondary Mortgage Markets – October 1997, Vol. 14, No. 3	Freddie Mac Releases 14th Annual ARM Survey Results Payment Options Proliferate Among ARMs

Date of News Release	Survey Description
December 15, 1998	Freddie Mac Releases 15th Annual ARM Survey Results ARMs Remain An Important Choice For Borrowers

Date of News Release	Survey Description
December 29, 1999	Freddie Mac Releases 16th Annual ARM Survey Results Demand For ARM Loans Increases As Mortgage Rates Rise And Lenders Offer New Products

Date of News Release	Survey Description
January 4, 2001	Freddie Mac Releases 17th Annual ARM Survey Results Economic Conditions Lead To Less Desirable ARMs

Date of News Release	Survey Description
January 2, 2002	Freddie Mac Releases 18th Annual ARM Survey Results ARM Share Of The Market Falls To 1998 Level

Date of News Release	Survey Description
December 23, 2002	Freddie Mac Releases 19th Annual ARM Survey Results Historically Low Fixed-Rate Mortgage Rates Drive Down Market Share of ARMs

Date of News Release	Survey Description
February 17, 2004	Freddie Mac Releases 20th Annual ARM Survey Results Initial Rate Discounts Are Common Once More and "Hybrids" Popularity

Date of News Release	Survey Description
January 5, 2005	Freddie Mac Releases 21st Annual ARM Survey Results Larger Initial Rate Discounts And Increased Popularity Of Hybrids

Date of News Release	Survey Description
January 5, 2006	Freddie Mac Releases 22nd Annual ARM Survey Results Larger Initial Rate Discounts And Increased Popularity Of Hybrids

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