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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

  2016
2015
2014
 RatePtsMargin
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 2.98 0.5 2.75 2.89 0.4 2.74 3.11 0.5 2.74
February 2.83 0.4 2.74 2.94 0.5 2.74 3.07 0.5 2.74
March 2.90 0.5 2.74 2.97 0.5 2.74 3.06 0.4 2.74
April 2.83 0.5 2.73 2.86 0.5 2.74 3.07 0.5 2.74
May 2.81 0.5 2.74 2.89 0.5 2.74 3.01 0.4 2.73
June 2.78 0.5 2.74 2.99 0.4 2.74 2.99 0.4 2.73
July       2.96 0.4 2.74 2.99 0.4 2.74
August       2.93 0.5 2.74 2.97 0.5 2.74
September       2.92 0.5  2.74 3.03 0.5 2.74
October       2.89 0.4 2.74 2.98 0.5 2.74
November       3.00 0.5 2.75 3.00 0.5 2.74
December       3.04 0.4 2.75 2.98 0.5 2.74
Annual Average:       2.94 0.5 2.74 3.02 0.5 2.74

 

  2013
2012
2011
 RatePtsMargin
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 2.68 0.6 2.74 2.84 0.7 2.74 3.72 0.7 2.75
February 2.63 0.6 2.75 2.81 0.7 2.74 3.82 0.6 2.75
March 2.63 0.6 2.75 2.87 0.7 2.74 3.67 0.6 2.74
April 2.61 0.5 2.75 2.84 0.7 2.74 3.66 0.6 2.74
May 2.61 0.5 2.75 2.83 0.6 2.74 3.44 0.6 2.74
June 2.85 0.6 2.75 2.80 0.6 2.74 3.29 0.6 2.74
July 3.17 0.7 2.75 2.74 0.6 2.74 3.28 0.6 2.74
August 3.21 0.5 2.75 2.77 0.6 2.75 3.12 0.5 2.73
September 3.17 0.5 2.75 2.74 0.6 2.74 2.99 0.6 2.74
October 3.02 0.4 2.74 2.74 0.6 2.74 3.03 0.6 2.74
November 2.97 0.5 2.75 2.73 0.6 2.74 2.96 0.6 2.74
December 2.97 0.4 2.74 2.70 0.7 2.74 2.88 0.6 2.74
Annual Average: 2.88 0.5 2.75 2.78 0.7 2.74 3.31 0.6 2.74

 

 
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


Other Available PMMS® Information:

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