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1-Year Adjustable-Rate Mortgages (ARMs) Since 1984

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


 

Monthly Average Commitment Rate And Points On 1-Year Adjustable-Rate Mortgage

  2014
2013
2012
 RatePtsMargin
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 2.55 0.5 2.72 2.58 0.5 2.76 2.76 0.6 2.76
February 2.54 0.4 2.71 2.61 0.4 2.76 2.78 0.6 2.76
March 2.48 0.4 2.71 2.63 0.4 2.76 2.77 0.6 2.76
April 2.44 0.5 2.72 2.63 0.4 2.76 2.78 0.6 2.76
May 2.43 0.4 2.72 2.55 0.4 2.76 2.74 0.5 2.76
June 2.40 0.4 2.72 2.60 0.4 2.77 2.76 0.6 2.76
July 2.39 0.4 2.73 2.66 0.4 2.76 2.69 0.5 2.76
August 2.37 0.5 2.73 2.65 0.4 2.76 2.67 0.4 2.75
September       2.67 0.4 2.76 2.61 0.4 2.76
October       2.63 0.4 2.77 2.59 0.4 2.77
November       2.61 0.4 2.76 2.57  0.4  2.76
December       2.56 0.5 2.75 2.54 0.5 2.76
Annual Average:       2.62  0.4 2.76  2.69 0.5 2.76

 

 
2011 
2010
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 3.25 0.6 2.77 4.33 0.6 2.75
February 3.35 0.6 2.76 4.23 0.6 2.75
March 3.22 0.6 2.76 4.20 0.6 2.75
April 3.20 0.6 2.76 4.16 0.5 2.75
May 3.13 0.5 2.76 4.01 0.6 2.75
June 3.00 0.5 2.76 3.86 0.7 2.75
July 2.97 0.5 2.76 3.73 0.7 2.77
August 2.93 0.5 2.76 3.53 0.7 2.77
September 2.84 0.6 2.76 3.46 0.7  2.77 
October 2.92 0.6 2.76 3.36 0.7 2.77
November 2.90 0.6 2.76 3.25 0.7  2.77 
December 2.79 0.6 2.76 3.31 0.6 2.76
Annual Average: 3.03 0.6 2.76 3.78 0.6 2.76

 

 
2009 
2008 
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 4.92 0.6 2.76 5.23 0.6 2.75
February 4.87 0.5 2.75 5.03 0.6 2.75
March 4.86 0.6 2.75 5.12 0.6 2.74
April 4.82 0.6 2.76 5.19 0.6 2.75
May 4.75 0.6 2.76 5.24 0.6 2.75
June 4.93 0.7 2.75 5.15 0.6 2.75
July 4.82 0.6 2.75 5.24 0.6 2.73
August 4.72 0.5 2.74 5.26 0.6 2.74
September 4.59 0.6 2.75 5.14 0.6 2.74
October 4.55 0.5 2.76 5.21 0.6 2.75
November 4.41 0.6 2.75 5.26 0.5 2.74
December 4.31 0.6 2.75 4.97 0.5 2.74
Annual Average: 4.70 0.6 2.75 5.17 0.6 2.74

 

 
2007
2006
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.47 0.5 2.75 5.17 0.6 2.77
February 5.51 0.7 2.76 5.34 0.7 2.79
March 5.44 0.6 2.75 5.42 0.8 2.77
April 5.45 0.6 2.76 5.62 0.8 2.77
May 5.52 0.7 2.76 5.63 0.7 2.77
June 5.68 0.7 2.77 5.71 0.7 2.76
July 5.71 0.5 2.75 5.79 0.7 2.75
August 5.67 0.6 2.75 5.64 0.7 2.74
September 5.66 0.7 2.76 5.56 0.7 2.76
October 5.68 0.6 2.76 5.55 0.7 2.76
November 5.48 0.6 2.74 5.51 0.6 2.75
December 5.50 0.6 2.74 5.45 0.7 2.77
Annual Average: 5.56 0.6 2.75 5.54 0.7 2.76

 

 
2005
2004
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 4.12 0.7 2.79 3.63 0.7 2.76
February 4.16 0.8 2.78 3.55 0.7 2.76
March 4.23 0.8 2.78 3.41 0.6 2.77
April 4.25 0.6 2.77 3.65 0.6 2.76
May 4.23 0.7 2.77 3.88 0.7 2.75
June 4.24 0.6 2.77 4.10 0.7 2.76
July 4.40 0.7 2.76 4.11 0.7 2.77
August 4.55 0.7 2.77 4.06 0.6 2.77
September 4.51 0.7 2.77 3.99 0.7 2.80
October 4.86 0.7 2.77 4.02 0.7 2.78
November 5.14 0.6 2.76 4.15 0.7 2.78
December 5.17 0.7 2.77 4.18 0.6 2.79
Annual Average: 4.49 0.7 2.77 3.90 0.7 2.77

 

 
2003
2002
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 3.99 0.7 2.77 5.18 0.8 2.78
February 3.86 0.7 2.77 5.03 0.7 2.78
March 3.76 0.6 2.77 5.06 0.7 2.78
April 3.80 0.6 2.77 4.96 0.8 2.78
May 3.66 0.6 2.77 4.79 0.7 2.77
June 3.52 0.6 2.76 4.65 0.5 2.76
July 3.57 0.6 2.76 4.51 0.5 2.77
August 3.79 0.7 2.76 4.38 0.6 2.76
September 3.86 0.6 2.77 4.29 0.6 2.78
October 3.74 0.6 2.76 4.27 0.6 2.78
November 3.75 0.7 2.77 4.16 0.6 2.77
December 3.75 0.6 2.76 4.12 0.6 2.78
Annual Average: 3.76 0.6 2.76 4.62 0.7 2.77

 

 
2001
2000
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 6.70 0.9 2.78 6.61 1.1 2.78
February 6.46 0.9 2.78 6.72 1.0 2.78
March 6.28 0.9 2.78 6.72 1.0 2.78
April 6.11 0.9 2.78 6.80 1.0 2.78
May 5.88 0.9 2.78 7.07 1.0 2.78
June 5.81 0.9 2.78 7.24 0.9 2.78
July 5.71 0.9 2.78 7.28 0.9 2.78
August 5.71 0.9 2.78 7.29 0.9 2.78
September 5.57 0.9 2.77 7.27 1.0 2.78
October 5.28 0.9 2.76 7.23 1.0 2.78
November 5.20 0.8 2.74 7.22 0.9 2.78
December 5.23 0.8 2.78 7.09 0.9 2.78
Annual Average: 5.82 0.9 2.77 7.04 1.0 2.78

 

 
1999
1998
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.59 1.1 2.79 5.54 1.2 2.79
February 5.65 1.0 2.79 5.60 1.2 2.79
March 5.77 0.9 2.79 5.69 1.2 2.79
April 5.60 1.1 2.80 5.67 1.1 2.79
May 5.72 1.1 2.79 5.69 1.1 2.79
June 5.91 1.0 2.79 5.69 1.1 2.79
July 5.99 1.0 2.79 5.63 1.1 2.79
August 6.18 1.1 2.79 5.59 1.1 2.79
September 6.20 1.1 2.79 5.47 1.1 2.79
October 6.27 1.1 2.79 5.38 1.0 2.79
November 6.36 1.1 2.78 5.53 1.0 2.79
December 6.53 1.1 2.79 5.56 1.0 2.79
Annual Average: 5.99  1.1 2.79  5.58 1.1 2.79

 

 
1997
1996
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.56 1.4 2.79 5.44 1.4 2.79
February 5.49 1.4 2.78 5.31 1.4 2.80
March 5.64 1.4 2.78 5.51 1.4 2.79
April 5.87 1.5 2.79 5.73 1.4 2.79
May 5.81 1.4 2.79 5.77 1.5 2.79
June 5.69 1.5 2.79 5.92 1.4 2.79
July 5.57 1.4 2.79 5.98 1.5 2.80
August 5.55 1.5 2.79 5.84 1.4 2.79
September 5.55 1.4 2.79 5.85 1.4 2.79
October 5.51 1.4 2.79 5.64 1.4 2.79
November 5.49 1.4 2.79 5.53 1.4 2.78
December 5.52 1.5 2.79 5.52 1.4 2.79
Annual Average: 5.61 1.4 2.79 5.67 1.4 2.79

 

 
1995 
1994 
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 6.82 1.5 2.80 4.21 1.4 2.79
February 6.68 1.5 2.80 4.20 1.5 2.78
March 6.45 1.5 2.80 4.55 1.5 2.79
April 6.35 1.5 2.80 4.96 1.5 2.80
May 6.14 1.5 2.79 5.46 1.5 2.79
June 5.87 1.4 2.80 5.45 1.5 2.76
July 5.83 1.4 2.80 5.52 1.5 2.79
August 5.93 1.5 2.79 5.53 1.5 2.80
September 5.81 1.5 2.79 5.54 1.5 2.80
October 5.74 1.4 2.80 5.79 1.5 2.80
November 5.64 1.4 2.80 6.10 1.5 2.81
December 5.57 1.4 2.80 6.66 1.5 2.81
Annual Average: 6.06 1.5 2.80 5.36 1.5 2.79

 

 
1993 
1992 
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 5.20 1.7 2.76 5.89 1.7 2.75
February 4.98 1.5 2.76 5.88 1.8 2.76
March 4.78 1.6 2.77 6.11 1.9 2.76
April 4.71 1.6 2.77 6.15 1.7 2.76
May 4.65 1.6 2.77 6.00 1.7 2.76
June 4.64 1.6 2.77 5.87 1.7 2.75
July 4.56 1.5 2.77 5.51 1.6 2.76
August 4.48 1.6 2.77 5.27 1.6 2.76
September 4.34 1.5 2.78 5.11 1.6 2.76
October 4.25 1.4 2.77 5.06 1.7 2.76
November 4.24 1.4 2.79 5.26 1.8 2.76
December 4.23 1.4 2.78 5.43 1.7 2.77
Annual Average: 4.58  1.5  2.77 5.62 1.7 2.76

 

 
1991 
1990 
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 7.74 2.0 2.78 8.39 2.2 2.77
February 7.65 2.0 2.78 8.46 2.2 2.77
March 7.47 2.0 2.77 8.53 2.2 2.77
April 7.38 1.9 2.77 8.55 2.2 2.78
May 7.22 1.9 2.77 8.59 2.1 2.77
June 7.24 1.9 2.77 8.49 2.1 2.78
July 7.23 1.9 2.76 8.43 2.1 2.77
August 7.08 1.9 2.77 8.35 2.1 2.77
September 6.87 1.7 2.77 8.28 2.1 2.77
October 6.71 1.8 2.77 8.20 2.1 2.77
November 6.42 1.8 2.77 8.10 2.1 2.77
December 6.19 1.7 2.76 7.93 2.0 2.77
Annual Average: 7.09  1.9  2.77 8.36 2.1 2.77

 

 
1989 
1988 
 
Rate 
Pts 
Margin 
Rate 
Pts 
Margin 
January 8.55 2.4 2.76 7.83 2.2 n/a
February 8.65 2.4 2.77 7.61 2.2 2.74
March 9.09 2.4 2.77 7.52 2.2 2.74
April 9.40 2.4 2.77 7.58 2.2 2.75
May 9.30 2.3 2.77 7.69 2.3 2.75
June 9.03 2.3 2.78 7.85 2.3 2.75
July 8.74 2.3 2.77 7.84 2.3 2.76
August 8.65 2.3 2.76 8.01 2.3 2.74
September 8.71 2.2 2.77 8.14 2.4 2.76
October 8.62 2.3 2.77 8.12 2.4 2.75
November 8.51 2.2 2.77 8.16 2.3 2.76
December 8.39 2.3 2.77 8.40 2.4 2.76
Annual Average: 8.80 2.3 2.77 7.90 2.3 2.75

 

 
1987
1986
 
Rate
Pts
Rate
Pts
January 7.62  2.2 9.01  2.3
February 7.56  2.1 8.93  2.3
March 7.54  2.1 8.64  2.3
April 7.58  2.2 8.54  2.4
May 7.88  2.4 8.54  2.4
June 7.93  2.2 8.60  2.4
July 7.81  2.2 8.52  2.4
August 7.76  2.1 8.40  2.2
September 7.95  2.4 8.20  2.2
October 8.25  2.4 8.06  2.1
November 8.00  2.3 7.90  2.1
December 7.96  2.3 7.68  2.1
Annual Average: 7.83  2.2 8.43  2.3

 

 
1985
1984
 
Rate
Pts
Rate
Pts
January 10.84 2.5 10.99 2.3
February 10.63 2.4 10.89 2.4
March 10.90 2.6 11.02 2.4
April 10.83 2.6 11.16 2.4
May 10.55 2.5 11.35 2.5
June 9.89 2.5 11.67 2.5
July 9.70 2.5 12.20 2.6
August 9.54 2.6 12.14 2.6
September 9.52 2.6 12.00 2.6
October 9.55 2.5 11.96 2.6
November 9.36 2.4 11.54 2.5
December 9.19 2.3 11.01 2.5
Annual Average: 10.05 2.5 11.51 2.5

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