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

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

   2023 2022 2021
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January             2.87 0.4 2.75
February             2.83 0.2 2.75
March                  
April                  
May                  
June                  
July                  
August                  
September                  
October                  
November                  
December                  
Annual Average:                           
  2020 2019 2018
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 3.33 0.3 2.75 3.91 0.3 2.76 3.47 0.4 2.75
February 3.26 0.2 2.75 3.87 0.3 2.76 3.60 0.4 2.75
March 3.16 0.2 2.75 3.83 0.3 2.76 3.65 0.4 2.75
April 3.31 0.3 2.75 3.75 0.4 2.75 3.66 0.3 2.76
May 3.16 0.4 2.75 3.65 0.4 2.75 3.79 0.3 2.77
June 3.09 0.4 2.75 3.48 0.4 2.76 3.82 0.3 2.77
July 3.02 0.3 2.75 3.47 0.4 2.75 3.84 0.3 2.76
August 2.91 0.3 2.75 3.36 0.3 2.74 3.87 0.3 2.76
September 2.98 0.2 2.75 3.38 0.4 2.74 3.94 0.3 2.77
October 2.89 0.2 2.75 3.38 0.4 2.75 4.08 0.3 2.77
November 3.00 0.3 2.75 3.41 0.4 2.75 4.11 0.3 2.77
December 2.79 0.3 2.75 3.39 0.4 2.75 4.02 0.3 2.77
Annual Average:  3.08  0.3  2.75  3.57  0.4  2.75  3.82  0.3  2.76

 

  2017 2016 2015
  Rate Pts Margin Rate Pts Margin 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 3.21 0.4 2.74 2.90 0.5 2.74 2.97 0.5 2.74
April 3.15 0.4 2.74 2.83 0.5 2.73 2.86 0.5 2.74
May 3.12 0.5 2.74 2.81 0.5 2.74 2.89 0.5 2.74
June 3.14 0.5 2.74 2.78 0.5 2.74 2.99 0.4 2.74
July 3.22 0.5 2.74 2.75 0.5 2.74 2.96 0.4 2.74
August 3.15 0.5 2.74 2.75 0.5 2.74 2.93 0.5 2.74
September 3.16 0.4 2.74 2.81 0.4 2.74 2.92 0.5 2.74
October 3.18 0.4 2.74 2.83 0.4 2.74 2.89 0.4 2.74
November 3.24 0.4 2.74 2.99 0.4 2.74 3.00 0.5 2.75
December 3.39 0.3 2.75 3.23 0.4 2.74 3.04 0.4 2.75
Annual Average: 3.20 0.4 2.74 2.87 0.5 2.74 2.94 0.5 2.74

 

  2014 2013 2012
  Rate Pts Margin 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 3.03 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

 

  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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