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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

  20172016
2015
 RatePtsMarginRatePtsMargin
Rate 
Pts 
Margin 
January 3.24 0.4 2.74 2.98 0.5 2.75 2.89 0.4 2.74
February 3.20 0.4 2.74 2.83 0.4 2.74 2.94 0.5 2.74
March       2.90 0.5 2.74 2.97 0.5 2.74
April       2.83 0.5 2.73 2.86 0.5 2.74
May       2.81 0.5 2.74 2.89 0.5 2.74
June       2.78 0.5 2.74 2.99 0.4 2.74
July       2.75 0.5 2.74 2.96 0.4 2.74
August       2.75 0.5 2.74 2.93 0.5 2.74
September       2.81 0.4 2.74 2.92 0.5 2.74
October       2.83 0.4 2.74 2.89 0.4 2.74
November       2.99 0.4 2.74 3.00 0.5 2.75
December       3.23 0.4 2.74 3.04 0.4 2.75
Annual Average:       2.87 0.5 2.74 2.94 0.5 2.74

 

 
2014
2013
2012
 
Rate 
Pts 
Margin 
RatePtsMargin
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 3.03 0.5 2.74 3.17 0.5 2.75 2.74 0.6 2.74
October 2.98 0.5 2.74 3.02 0.4 2.74 2.74 0.6 2.74
November 3.00 0.5 2.74 2.97 0.5 2.75 2.73 0.6 2.74
December 2.98 0.5 2.74 2.97 0.4 2.74 2.70 0.7 2.74
Annual Average: 3.02 0.5 2.74 2.88 0.5 2.75 2.78 0.7 2.74

 

 
2011
2010
2009
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 3.72 0.7 2.75 4.32 0.6 2.74 5.31 0.6 2.74
February 3.82 0.6 2.75 4.19 0.6 2.74 5.15 0.6 2.73
March 3.67 0.6 2.74 4.10 0.6 2.74 5.00 0.7 2.71
April 3.66 0.6 2.74 4.09 0.6 2.75 4.88 0.6 2.74
May 3.44 0.6 2.74 3.95 0.7 2.74 4.83 0.6 2.74
June 3.29 0.6 2.74 3.90 0.7 2.75 5.00 0.6 2.75
July 3.28 0.6 2.74 3.79 0.7 2.74 4.80 0.7 2.74
August 3.12 0.5 2.73 3.58 0.6 2.74 4.68 0.6 2.74
September 2.99 0.6 2.74 3.54 0.6  2.75  4.53 0.5 2.74
October 3.03 0.6 2.74 3.45 0.6 2.75 4.39 0.6 2.74
November 2.96 0.6 2.74 3.37 0.7  2.75  4.27 0.6 2.74
December 2.88 0.6 2.74 3.68 0.6 2.75 4.33 0.6 2.74
Annual Average: 3.31 0.6 2.74 3.82 0.6 2.74 4.75 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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