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5-Year Adjustable-Rate Mortgages (ARMs) Since 2005

Contact: corprel@freddiemac.com
or (703) 903-3933 



Monthly Average Commitment Rate And Points On 5-Year Adjustable-Rate Mortgage

  2015
2014
2013
 RatePtsMargin
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 2.89 0.4 2.74 3.11 0.5 2.74 2.68 0.6 2.74
February       3.07 0.5 2.74 2.63 0.6 2.75
March       3.06 0.4 2.74 2.63 0.6 2.75
April       3.07 0.5 2.74 2.61 0.5 2.75
May       3.01 0.4 2.73 2.61 0.5 2.75
June       2.99 0.4 2.73 2.85 0.6 2.75
July       2.99 0.4 2.74 3.17 0.7 2.75
August       2.97 0.5 2.74 3.21 0.5 2.75
September       3.03 0.5 2.74 3.17 0.5 2.75
October       2.98 0.5 2.74 3.02 0.4 2.74
November       3.00 0.5 2.74 2.97 0.5 2.75
December       2.98 0.5 2.74 2.97 0.4 2.74
Annual Average:       3.02 0.5 2.74 2.88 0.5 2.75

 

 
2012
2011
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 2.84 0.7 2.74 3.72 0.7 2.75
February 2.81 0.7 2.74 3.82 0.6 2.75
March 2.87 0.7 2.74 3.67 0.6 2.74
April 2.84 0.7 2.74 3.66 0.6 2.74
May 2.83 0.6 2.74 3.44 0.6 2.74
June 2.80 0.6 2.74 3.29 0.6 2.74
July 2.74 0.6 2.74 3.28 0.6 2.74
August 2.77 0.6 2.75 3.12 0.5 2.73
September 2.74 0.6 2.74 2.99 0.6 2.74
October 2.74 0.6 2.74 3.03 0.6 2.74
November 2.73 0.6 2.74 2.96 0.6 2.74
December 2.70 0.7 2.74 2.88 0.6 2.74
Annual Average: 2.78 0.7 2.74 3.31 0.6 2.74

 

 
2010
2009
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 4.32 0.6 2.74 5.31 0.6 2.74
February 4.19 0.6 2.74 5.15 0.6 2.73
March 4.10 0.6 2.74 5.00 0.7 2.71
April 4.09 0.6 2.75 4.88 0.6 2.74
May 3.95 0.7 2.74 4.83 0.6 2.74
June 3.90 0.7 2.75 5.00 0.6 2.75
July 3.79 0.7 2.74 4.80 0.7 2.74
August 3.58 0.6 2.74 4.68 0.6 2.74
September 3.54 0.6  2.75  4.53 0.5 2.74
October 3.45 0.6 2.75 4.39 0.6 2.74
November 3.37 0.7  2.75  4.27 0.6 2.74
December 3.68 0.6 2.75 4.33 0.6 2.74
Annual Average: 3.82 0.6 2.74 4.75 0.6 2.74

 

 
2008
2007
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.45 0.5 2.75 6.02 0.5 2.76
February 5.30 0.4 2.75 6.00 0.5 2.76
March 5.54 0.7 2.75 5.90 0.6 2.76
April 5.58 0.6 2.76 5.91 0.6 2.77
May 5.64 0.5 2.76 5.98 0.5 2.77
June 5.77 0.6 2.76 6.31 0.6 2.76
July 5.93 0.6 2.74 6.32 0.5 2.76
August 6.02 0.6 2.73 6.33 0.5 2.76
September 5.88 0.6 2.74 6.21 0.6 2.76
October 6.09 0.6 2.74 6.09 0.5 2.76
November 5.98 0.6 2.74 5.91 0.5 2.75
December 5.65 0.6 2.74 5.86 0.5 2.76
Annual Average: 5.74 0.6 2.75 6.07 0.5 2.76

 

 
2006
2005
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.76 0.6 2.78 5.04 0.6 2.79
February 5.92 0.6 2.78 5.02 0.7 2.79
March 5.98 0.7 2.78 5.30 0.7 2.78
April 6.15 0.7 2.78 5.27 0.6 2.77
May 6.22 0.6 2.78 5.13 0.7 2.79
June 6.28 0.5 2.77 5.06 0.5 2.79
July 6.36 0.5 2.75 5.22 0.6 2.78
August 6.18 0.4 2.76 5.34 0.6 2.79
September 6.08 0.5 2.76 5.31 0.6 2.78
October 6.09 0.6 2.76 5.57 0.7 2.78
November 6.02 0.6 2.76 5.80 0.6 2.78
December 5.95 0.5 2.76 5.78 0.6 2.77
Annual Average: 6.08 0.6 2.77 5.32 0.6 2.78


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