1-Year Adjustable-Rate Mortgages (ARMs) Since 1984
Contact: corprel@freddiemac.com
or (703) 903-3933
Monthly Average Commitment Rate And Points On 1-Year Adjustable-Rate Mortgage
|
|
2009
|
|
2008
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
4.92
|
0.6
|
2.76
|
|
5.23
|
0.6
|
2.75
|
| February |
4.87
|
0.5
|
2.75
|
|
5.03
|
0.6
|
2.75
|
| March |
4.86
|
0.6
|
2.75
|
|
5.12
|
0.6
|
2.74
|
| April |
4.82
|
0.6
|
2.76
|
|
5.19
|
0.6
|
2.75
|
| May |
4.75
|
0.6
|
2.76
|
|
5.24
|
0.6
|
2.75
|
| June |
4.93
|
0.7
|
2.75
|
|
5.15
|
0.6
|
2.75
|
| July |
4.82
|
0.6
|
2.75
|
|
5.24
|
0.6
|
2.73
|
| August |
4.72
|
0.5
|
2.74
|
|
5.26
|
0.6
|
2.74
|
| September |
4.59
|
0.6
|
2.75
|
|
5.14
|
0.6
|
2.74
|
| October |
4.55
|
0.5
|
2.75
|
|
5.21
|
0.6
|
2.75
|
| November |
|
|
|
|
5.26
|
0.5
|
2.74
|
| December |
|
|
|
|
4.97
|
0.5
|
2.74
|
| Annual Average: |
|
|
|
|
5.17
|
0.6
|
2.74
|
|
|
2007
|
|
2006
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
5.47
|
0.5
|
2.75
|
|
5.17
|
0.6
|
2.77
|
| February |
5.51
|
0.7
|
2.76
|
|
5.34
|
0.7
|
2.79
|
| March |
5.44
|
0.6
|
2.75
|
|
5.42
|
0.8
|
2.77
|
| April |
5.45
|
0.6
|
2.76
|
|
5.62
|
0.8
|
2.77
|
| May |
5.52
|
0.7
|
2.76
|
|
5.63
|
0.7
|
2.77
|
| June |
5.68
|
0.7
|
2.77
|
|
5.71
|
0.7
|
2.76
|
| July |
5.71
|
0.5
|
2.75
|
|
5.79
|
0.7
|
2.75
|
| August |
5.67
|
0.6
|
2.75
|
|
5.64
|
0.7
|
2.74
|
| September |
5.66
|
0.7
|
2.76
|
|
5.56
|
0.7
|
2.76
|
| October |
5.68
|
0.6
|
2.76
|
|
5.55
|
0.7
|
2.76
|
| November |
5.48
|
0.6
|
2.74
|
|
5.51
|
0.6
|
2.75
|
| December |
5.50
|
0.6
|
2.74
|
|
5.45
|
0.7
|
2.77
|
| Annual Average: |
5.56
|
0.6
|
2.75
|
|
5.54
|
0.7
|
2.76
|
|
|
2005
|
|
2004
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
4.12
|
0.7
|
2.79
|
|
3.63
|
0.7
|
2.76
|
| February |
4.16
|
0.8
|
2.78
|
|
3.55
|
0.7
|
2.76
|
| March |
4.23
|
0.8
|
2.78
|
|
3.41
|
0.6
|
2.77
|
| April |
4.25
|
0.6
|
2.77
|
|
3.65
|
0.6
|
2.76
|
| May |
4.23
|
0.7
|
2.77
|
|
3.88
|
0.7
|
2.75
|
| June |
4.24
|
0.6
|
2.77
|
|
4.10
|
0.7
|
2.76
|
| July |
4.40
|
0.7
|
2.76
|
|
4.11
|
0.7
|
2.77
|
| August |
4.55
|
0.7
|
2.77
|
|
4.06
|
0.6
|
2.77
|
| September |
4.51
|
0.7
|
2.77
|
|
3.99
|
0.7
|
2.80
|
| October |
4.86
|
0.7
|
2.77
|
|
4.02
|
0.7
|
2.78
|
| November |
5.14
|
0.6
|
2.76
|
|
4.15
|
0.7
|
2.78
|
| December |
5.17
|
0.7
|
2.77
|
|
4.18
|
0.6
|
2.79
|
| Annual Average: |
4.49
|
0.7
|
2.77
|
|
3.90
|
0.7
|
2.77
|
|
|
2003
|
|
2002
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
3.99
|
0.7
|
2.77
|
|
5.18
|
0.8
|
2.78
|
| February |
3.86
|
0.7
|
2.77
|
|
5.03
|
0.7
|
2.78
|
| March |
3.76
|
0.6
|
2.77
|
|
5.06
|
0.7
|
2.78
|
| April |
3.80
|
0.6
|
2.77
|
|
4.96
|
0.8
|
2.78
|
| May |
3.66
|
0.6
|
2.77
|
|
4.79
|
0.7
|
2.77
|
| June |
3.52
|
0.6
|
2.76
|
|
4.65
|
0.5
|
2.76
|
| July |
3.57
|
0.6
|
2.76
|
|
4.51
|
0.5
|
2.77
|
| August |
3.79
|
0.7
|
2.76
|
|
4.38
|
0.6
|
2.76
|
| September |
3.86
|
0.6
|
2.77
|
|
4.29
|
0.6
|
2.78
|
| October |
3.74
|
0.6
|
2.76
|
|
4.27
|
0.6
|
2.78
|
| November |
3.75
|
0.7
|
2.77
|
|
4.16
|
0.6
|
2.77
|
| December |
3.75
|
0.6
|
2.76
|
|
4.12
|
0.6
|
2.78
|
| Annual Average: |
3.76
|
0.6
|
2.76
|
|
4.62
|
0.7
|
2.77
|
|
|
2001
|
|
2000
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
6.70
|
0.9
|
2.78
|
|
6.61
|
1.1
|
2.78
|
| February |
6.46
|
0.9
|
2.78
|
|
6.72
|
1.0
|
2.78
|
| March |
6.28
|
0.9
|
2.78
|
|
6.72
|
1.0
|
2.78
|
| April |
6.11
|
0.9
|
2.78
|
|
6.80
|
1.0
|
2.78
|
| May |
5.88
|
0.9
|
2.78
|
|
7.07
|
1.0
|
2.78
|
| June |
5.81
|
0.9
|
2.78
|
|
7.24
|
0.9
|
2.78
|
| July |
5.71
|
0.9
|
2.78
|
|
7.28
|
0.9
|
2.78
|
| August |
5.71
|
0.9
|
2.78
|
|
7.29
|
0.9
|
2.78
|
| September |
5.57
|
0.9
|
2.77
|
|
7.27
|
1.0
|
2.78
|
| October |
5.28
|
0.9
|
2.76
|
|
7.23
|
1.0
|
2.78
|
| November |
5.20
|
0.8
|
2.74
|
|
7.22
|
0.9
|
2.78
|
| December |
5.23
|
0.8
|
2.78
|
|
7.09
|
0.9
|
2.78
|
| Annual Average: |
5.82
|
0.9
|
2.77
|
|
7.04
|
1.0
|
2.78
|
|
|
1999
|
|
1998
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
5.59
|
1.1
|
2.79
|
|
5.54
|
1.2
|
2.79
|
| February |
5.65
|
1.0
|
2.79
|
|
5.60
|
1.2
|
2.79
|
| March |
5.77
|
0.9
|
2.79
|
|
5.69
|
1.2
|
2.79
|
| April |
5.60
|
1.1
|
2.80
|
|
5.67
|
1.1
|
2.79
|
| May |
5.72
|
1.1
|
2.79
|
|
5.69
|
1.1
|
2.79
|
| June |
5.91
|
1.0
|
2.79
|
|
5.69
|
1.1
|
2.79
|
| July |
5.99
|
1.0
|
2.79
|
|
5.63
|
1.1
|
2.79
|
| August |
6.18
|
1.1
|
2.79
|
|
5.59
|
1.1
|
2.79
|
| September |
6.20
|
1.1
|
2.79
|
|
5.47
|
1.1
|
2.79
|
| October |
6.27
|
1.1
|
2.79
|
|
5.38
|
1.0
|
2.79
|
| November |
6.36
|
1.1
|
2.78
|
|
5.53
|
1.0
|
2.79
|
| December |
6.53
|
1.1
|
2.79
|
|
5.56
|
1.0
|
2.79
|
| Annual Average: |
5.99
|
1.1
|
2.79
|
|
5.58
|
1.1
|
2.79
|
|
|
1997
|
|
1996
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
5.56
|
1.4
|
2.79
|
|
5.44
|
1.4
|
2.79
|
| February |
5.49
|
1.4
|
2.78
|
|
5.31
|
1.4
|
2.80
|
| March |
5.64
|
1.4
|
2.78
|
|
5.51
|
1.4
|
2.79
|
| April |
5.87
|
1.5
|
2.79
|
|
5.73
|
1.4
|
2.79
|
| May |
5.81
|
1.4
|
2.79
|
|
5.77
|
1.5
|
2.79
|
| June |
5.69
|
1.5
|
2.79
|
|
5.92
|
1.4
|
2.79
|
| July |
5.57
|
1.4
|
2.79
|
|
5.98
|
1.5
|
2.80
|
| August |
5.55
|
1.5
|
2.79
|
|
5.84
|
1.4
|
2.79
|
| September |
5.55
|
1.4
|
2.79
|
|
5.85
|
1.4
|
2.79
|
| October |
5.51
|
1.4
|
2.79
|
|
5.64
|
1.4
|
2.79
|
| November |
5.49
|
1.4
|
2.79
|
|
5.53
|
1.4
|
2.78
|
| December |
5.52
|
1.5
|
2.79
|
|
5.52
|
1.4
|
2.79
|
| Annual Average: |
5.61
|
1.4
|
2.79
|
|
5.67
|
1.4
|
2.79
|
|
|
1995
|
|
1994
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
6.82
|
1.5
|
2.80
|
|
4.21
|
1.4
|
2.79
|
| February |
6.68
|
1.5
|
2.80
|
|
4.20
|
1.5
|
2.78
|
| March |
6.45
|
1.5
|
2.80
|
|
4.55
|
1.5
|
2.79
|
| April |
6.35
|
1.5
|
2.80
|
|
4.96
|
1.5
|
2.80
|
| May |
6.14
|
1.5
|
2.79
|
|
5.46
|
1.5
|
2.79
|
| June |
5.87
|
1.4
|
2.80
|
|
5.45
|
1.5
|
2.76
|
| July |
5.83
|
1.4
|
2.80
|
|
5.52
|
1.5
|
2.79
|
| August |
5.93
|
1.5
|
2.79
|
|
5.53
|
1.5
|
2.80
|
| September |
5.81
|
1.5
|
2.79
|
|
5.54
|
1.5
|
2.80
|
| October |
5.74
|
1.4
|
2.80
|
|
5.79
|
1.5
|
2.80
|
| November |
5.64
|
1.4
|
2.80
|
|
6.10
|
1.5
|
2.81
|
| December |
5.57
|
1.4
|
2.80
|
|
6.66
|
1.5
|
2.81
|
| Annual Average: |
6.06
|
1.5
|
2.80
|
|
5.36
|
1.5
|
2.79
|
|
|
1993
|
|
1992
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
5.20
|
1.7
|
2.76
|
|
5.89
|
1.7
|
2.75
|
| February |
4.98
|
1.5
|
2.76
|
|
5.88
|
1.8
|
2.76
|
| March |
4.78
|
1.6
|
2.77
|
|
6.11
|
1.9
|
2.76
|
| April |
4.71
|
1.6
|
2.77
|
|
6.15
|
1.7
|
2.76
|
| May |
4.65
|
1.6
|
2.77
|
|
6.00
|
1.7
|
2.76
|
| June |
4.64
|
1.6
|
2.77
|
|
5.87
|
1.7
|
2.75
|
| July |
4.56
|
1.5
|
2.77
|
|
5.51
|
1.6
|
2.76
|
| August |
4.48
|
1.6
|
2.77
|
|
5.27
|
1.6
|
2.76
|
| September |
4.34
|
1.5
|
2.78
|
|
5.11
|
1.6
|
2.76
|
| October |
4.25
|
1.4
|
2.77
|
|
5.06
|
1.7
|
2.76
|
| November |
4.24
|
1.4
|
2.79
|
|
5.26
|
1.8
|
2.76
|
| December |
4.23
|
1.4
|
2.78
|
|
5.43
|
1.7
|
2.77
|
| Annual Average: |
4.58
|
1.5
|
2.77
|
|
5.62
|
1.7
|
2.76
|
|
|
1991
|
|
1990
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
7.74
|
2.0
|
2.78
|
|
8.39
|
2.2
|
2.77
|
| February |
7.65
|
2.0
|
2.78
|
|
8.46
|
2.2
|
2.77
|
| March |
7.47
|
2.0
|
2.77
|
|
8.53
|
2.2
|
2.77
|
| April |
7.38
|
1.9
|
2.77
|
|
8.55
|
2.2
|
2.78
|
| May |
7.22
|
1.9
|
2.77
|
|
8.59
|
2.1
|
2.77
|
| June |
7.24
|
1.9
|
2.77
|
|
8.49
|
2.1
|
2.78
|
| July |
7.23
|
1.9
|
2.76
|
|
8.43
|
2.1
|
2.77
|
| August |
7.08
|
1.9
|
2.77
|
|
8.35
|
2.1
|
2.77
|
| September |
6.87
|
1.7
|
2.77
|
|
8.28
|
2.1
|
2.77
|
| October |
6.71
|
1.8
|
2.77
|
|
8.20
|
2.1
|
2.77
|
| November |
6.42
|
1.8
|
2.77
|
|
8.10
|
2.1
|
2.77
|
| December |
6.19
|
1.7
|
2.76
|
|
7.93
|
2.0
|
2.77
|
| Annual Average: |
7.09
|
1.9
|
2.77
|
|
8.36
|
2.1
|
2.77
|
|
|
1989
|
|
1988
|
|
|
Rate
|
Pts
|
Margin
|
|
Rate
|
Pts
|
Margin
|
| January |
8.55
|
2.4
|
2.76
|
|
7.83
|
2.2
|
n/a
|
| February |
8.65
|
2.4
|
2.77
|
|
7.61
|
2.2
|
2.74
|
| March |
9.09
|
2.4
|
2.77
|
|
7.52
|
2.2
|
2.74
|
| April |
9.40
|
2.4
|
2.77
|
|
7.58
|
2.2
|
2.75
|
| May |
9.30
|
2.3
|
2.77
|
|
7.69
|
2.3
|
2.75
|
| June |
9.03
|
2.3
|
2.78
|
|
7.85
|
2.3
|
2.75
|
| July |
8.74
|
2.3
|
2.77
|
|
7.84
|
2.3
|
2.76
|
| August |
8.65
|
2.3
|
2.76
|
|
8.01
|
2.3
|
2.74
|
| September |
8.71
|
2.2
|
2.77
|
|
8.14
|
2.4
|
2.76
|
| October |
8.62
|
2.3
|
2.77
|
|
8.12
|
2.4
|
2.75
|
| November |
8.51
|
2.2
|
2.77
|
|
8.16
|
2.3
|
2.76
|
| December |
8.39
|
2.3
|
2.77
|
|
8.40
|
2.4
|
2.76
|
| Annual Average: |
8.80
|
2.3
|
2.77
|
|
7.90
|
2.3
|
2.75
|
|
|
1987
|
|
1986
|
|
|
Rate
|
Pts
|
|
Rate
|
Pts
|
| January |
7.62
|
2.2
|
|
9.01
|
2.3
|
| February |
7.56
|
2.1
|
|
8.93
|
2.3
|
| March |
7.54
|
2.1
|
|
8.64
|
2.3
|
| April |
7.58
|
2.2
|
|
8.54
|
2.4
|
| May |
7.88
|
2.4
|
|
8.54
|
2.4
|
| June |
7.93
|
2.2
|
|
8.60
|
2.4
|
| July |
7.81
|
2.2
|
|
8.52
|
2.4
|
| August |
7.76
|
2.1
|
|
8.40
|
2.2
|
| September |
7.95
|
2.4
|
|
8.20
|
2.2
|
| October |
8.25
|
2.4
|
|
8.06
|
2.1
|
| November |
8.00
|
2.3
|
|
7.90
|
2.1
|
| December |
7.96
|
2.3
|
|
7.68
|
2.1
|
| Annual Average: |
7.83
|
2.2
|
|
8.43
|
2.3
|
|
|
1985
|
1984
|
|
|
Rate
|
Pts
|
Rate
|
Pts
|
| January |
10.84
|
2.5
|
10.99
|
2.3
|
| February |
10.63
|
2.4
|
10.89
|
2.4
|
| March |
10.90
|
2.6
|
11.02
|
2.4
|
| April |
10.83
|
2.6
|
11.16
|
2.4
|
| May |
10.55
|
2.5
|
11.35
|
2.5
|
| June |
9.89
|
2.5
|
11.67
|
2.5
|
| July |
9.70
|
2.5
|
12.20
|
2.6
|
| August |
9.54
|
2.6
|
12.14
|
2.6
|
| September |
9.52
|
2.6
|
12.00
|
2.6
|
| October |
9.55
|
2.5
|
11.96
|
2.6
|
| November |
9.36
|
2.4
|
11.54
|
2.5
|
| December |
9.19
|
2.3
|
11.01
|
2.5
|
| Annual Average: |
10.05
|
2.5
|
11.51
|
2.5
|
Other Available PMMS® Information:
