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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

  2014
2013
2012
 RatePtsMargin
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 3.11 0.5 2.74 2.68 0.6 2.74 2.84 0.7 2.74
February 3.07 0.5 2.74 2.63 0.6 2.75 2.81 0.7 2.74
March 3.06 0.4 2.74 2.63 0.6 2.75 2.87 0.7 2.74
April 3.07 0.5 2.74 2.61 0.5 2.75 2.84 0.7 2.74
May 3.01 0.4 2.73 2.61 0.5 2.75 2.83 0.6 2.74
June 2.99 0.4 2.73 2.85 0.6 2.75 2.80 0.6 2.74
July 2.99 0.4 2.74 3.17 0.7 2.75 2.74 0.6 2.74
August 2.97 0.5 2.74 3.21 0.5 2.75 2.77 0.6 2.75
September       3.17 0.5 2.75 2.74 0.6 2.74
October       3.02 0.4 2.74 2.74 0.6 2.74
November       2.97 0.5 2.75 2.73  0.6   2.74
December       2.97 0.4  2.74 2.70 0.7 2.74
Annual Average:       2.88 0.5  2.75 2.78 0.7 2.74

 

 
2011
2010
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 3.72 0.7 2.75 4.32 0.6 2.74
February 3.82 0.6 2.75 4.19 0.6 2.74
March 3.67 0.6 2.74 4.10 0.6 2.74
April 3.66 0.6 2.74 4.09 0.6 2.75
May 3.44 0.6 2.74 3.95 0.7 2.74
June 3.29 0.6 2.74 3.90 0.7 2.75
July 3.28 0.6 2.74 3.79 0.7 2.74
August 3.12 0.5 2.73 3.58 0.6 2.74
September 2.99 0.6 2.74 3.54 0.6  2.75 
October 3.03 0.6 2.74 3.45 0.6 2.75
November 2.96 0.6 2.74 3.37 0.7  2.75 
December 2.88 0.6 2.74 3.68 0.6 2.75
Annual Average: 3.31 0.6 2.74 3.82 0.6 2.74

 

 
2009
2008
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.31 0.6 2.74 5.45 0.5 2.75
February 5.15 0.6 2.73 5.30 0.4 2.75
March 5.00 0.7 2.71 5.54 0.7 2.75
April 4.88 0.6 2.74 5.58 0.6 2.76
May 4.83 0.6 2.74 5.64 0.5 2.76
June 5.00 0.6 2.75 5.77 0.6 2.76
July 4.80 0.7 2.74 5.93 0.6 2.74
August 4.68 0.6 2.74 6.02 0.6 2.73
September 4.53 0.5 2.74 5.88 0.6 2.74
October 4.39 0.6 2.74 6.09 0.6 2.74
November 4.27 0.6 2.74 5.98 0.6 2.74
December 4.33 0.6 2.74 5.65 0.6 2.74
Annual Average: 4.75 0.6 2.74 5.74 0.6 2.75

 

 
2007
2006
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 6.02 0.5 2.76 5.76 0.6 2.78
February 6.00 0.5 2.76 5.92 0.6 2.78
March 5.90 0.6 2.76 5.98 0.7 2.78
April 5.91 0.6 2.77 6.15 0.7 2.78
May 5.98 0.5 2.77 6.22 0.6 2.78
June 6.31 0.6 2.76 6.28 0.5 2.77
July 6.32 0.5 2.76 6.36 0.5 2.75
August 6.33 0.5 2.76 6.18 0.4 2.76
September 6.21 0.6 2.76 6.08 0.5 2.76
October 6.09 0.5 2.76 6.09 0.6 2.76
November 5.91 0.5 2.75 6.02 0.6 2.76
December 5.86 0.5 2.76 5.95 0.5 2.76
Annual Average: 6.07 0.5 2.76 6.08 0.6 2.77

 

 
2005
 
Rate 
Pts 
Margin 
January 5.04 0.6 2.79
February 5.02 0.7 2.79
March 5.30 0.7 2.78
April 5.27 0.6 2.77
May 5.13 0.7 2.79
June 5.06 0.5 2.79
July 5.22 0.6 2.78
August 5.34 0.6 2.79
September 5.31 0.6 2.78
October 5.57 0.7 2.78
November 5.80 0.6 2.78
December 5.78 0.6 2.77
Annual Average: 5.32 0.6 2.78


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