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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

 
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         5.24 0.6 2.73
August         5.26 0.6 2.74
September         5.14 0.6 2.74
October         5.21 0.6 2.75
November         5.26 0.5 2.74
December         4.97 0.5 2.74
Annual Average:         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

 

Other Available PMMS® Information:

  • 30-Year Fixed-Rate Historic Tables
    		• HTML / Excel [XLS 90K]
  • 15-Year Fixed-Rate Historic Tables
    		• HTML / Excel [XLS 85K]
  • 5-Year Adjustable-Rate Historic Tables
    		• HTML / Excel [XLS 82K]
  • Weekly PMMS Survey
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