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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

 
2008
 
2007
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.23 0.6 2.75   5.47 0.5 2.75
February 5.03 0.6 2.75   5.51 0.7 2.76
March 5.12 0.6 2.74   5.44 0.6 2.75
April 5.19 0.6 2.75   5.45 0.6 2.76
May         5.52 0.7 2.76
June         5.68 0.7 2.77
July         5.71 0.5 2.75
August         5.67 0.6 2.75
September         5.66 0.7 2.76
October         5.68 0.6 2.76
November         5.48 0.6 2.74
December         5.50 0.6 2.74
Annual Average:         5.56 0.6 2.75

 
2006
 
2005
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.17 0.6 2.77   4.12 0.7 2.79
February 5.34 0.7 2.79   4.16 0.8 2.78
March 5.42 0.8 2.77   4.23 0.8 2.78
April 5.62 0.8 2.77   4.25 0.6 2.77
May 5.63 0.7 2.77   4.23 0.7 2.77
June 5.71 0.7 2.76   4.24 0.6 2.77
July 5.79 0.7 2.75   4.40 0.7 2.76
August 5.64 0.7 2.74   4.55 0.7 2.77
September 5.56 0.7 2.76   4.51 0.7 2.77
October 5.55 0.7 2.76   4.86 0.7 2.77
November 5.51 0.6 2.75   5.14 0.6 2.76
December 5.45 0.7 2.77   5.17 0.7 2.77
Annual Average: 5.54 0.7 2.76   4.49 0.7 2.77

 
2004
 
2003
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 3.63 0.7 2.76   3.99 0.7 2.77
February 3.55 0.7 2.76   3.86 0.7 2.77
March 3.41 0.6 2.77   3.76 0.6 2.77
April 3.65 0.6 2.76   3.80 0.6 2.77
May 3.88 0.7 2.75   3.66 0.6 2.77
June 4.10 0.7 2.76   3.52 0.6 2.76
July 4.11 0.7 2.77   3.57 0.6 2.76
August 4.06 0.6 2.77   3.79 0.7 2.76
September 3.99 0.7 2.80   3.86 0.6 2.77
October 4.02 0.7 2.78   3.74 0.6 2.76
November 4.15 0.7 2.78   3.75 0.7 2.77
December 4.18 0.6 2.79   3.75 0.6 2.76
Annual Average: 3.90 0.7 2.77   3.76 0.6 2.76

 
2002
 
2001
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.18 0.8 2.78   6.70 0.9 2.78
February 5.03 0.7 2.78   6.46 0.9 2.78
March 5.06 0.7 2.78   6.28 0.9 2.78
April 4.96 0.8 2.78   6.11 0.9 2.78
May 4.79 0.7 2.77   5.88 0.9 2.78
June 4.65 0.5 2.76   5.81 0.9 2.78
July 4.51 0.5 2.77   5.71 0.9 2.78
August 4.38 0.6 2.76   5.71 0.9 2.78
September 4.29 0.6 2.78   5.57 0.9 2.77
October 4.27 0.6 2.78   5.28 0.9 2.76
November 4.16 0.6 2.77   5.20 0.8 2.74
December 4.12 0.6 2.78   5.23 0.8 2.78
Annual Average: 4.62 0.7 2.77   5.82 0.9 2.77

 
2000
 
1999
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 6.61 1.1 2.78   5.59 1.1 2.78
February 6.72 1.0 2.78   5.65 1.0 2.78
March 6.72 1.0 2.78   5.77 1.0 2.78
April 6.80 1.0 2.78   5.60 1.0 2.78
May 7.07 1.0 2.78   5.72 1.0 2.78
June 7.24 0.9 2.78   5.91 0.9 2.78
July 7.28 0.9 2.78   5.99 0.9 2.78
August 7.29 0.9 2.78   6.18 0.9 2.78
September 7.27 1.0 2.78   6.20 1.0 2.78
October 7.23 1.0 2.78   6.27 1.0 2.78
November 7.22 0.9 2.78   6.36 0.9 2.78
December 7.09 0.9 2.78   6.53 0.9 2.78
Annual Average: 7.04 1.0 2.78   5.99 1.0 2.78

 
1998
 
1997
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.54 1.2 2.79   5.56 1.4 2.79
February 5.60 1.2 2.79   5.49 1.4 2.78
March 5.69 1.2 2.79   5.64 1.4 2.78
April 5.67 1.1 2.79   5.87 1.5 2.79
May 5.69 1.1 2.79   5.81 1.4 2.79
June 5.69 1.1 2.79   5.69 1.5 2.79
July 5.63 1.1 2.79   5.57 1.4 2.79
August 5.59 1.1 2.79   5.55 1.5 2.79
September 5.47 1.1 2.79   5.55 1.4 2.79
October 5.38 1.0 2.79   5.51 1.4 2.79
November 5.53 1.0 2.79   5.49 1.4 2.79
December 5.56 1.0 2.79   5.52 1.5 2.79
Annual Average: 5.58 1.1 2.79   5.61 1.4 2.79

 
1996
 
1995
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.44 1.4 2.79   6.82 1.5 2.80
February 5.31 1.4 2.80   6.68 1.5 2.80
March 5.51 1.4 2.79   6.45 1.5 2.80
April 5.73 1.4 2.79   6.35 1.5 2.80
May 5.77 1.5 2.79   6.14 1.5 2.79
June 5.92 1.4 2.79   5.87 1.4 2.80
July 5.98 1.5 2.80   5.83 1.4 2.80
August 5.84 1.4 2.79   5.93 1.5 2.79
September 5.85 1.4 2.79   5.81 1.5 2.79
October 5.64 1.4 2.79   5.74 1.4 2.80
November 5.53 1.4 2.78   5.64 1.4 2.80
December 5.52 1.4 2.79   5.57 1.4 2.80
Annual Average: 5.67 1.4 2.79   6.06 1.5 2.80

 
1994
 
1993
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 4.21 1.4 2.79   5.89 1.7 2.78
February 4.20 1.5 2.78   5.88 1.8 2.78
March 4.55 1.5 2.79   6.11 1.9 2.77
April 4.96 1.5 2.80   6.15 1.7 2.77
May 5.46 1.5 2.79   6.00 1.7 2.77
June 5.45 1.5 2.76   5.87 1.7 2.77
July 5.52 1.5 2.79   5.51 1.6 2.76
August 5.53 1.5 2.80   5.27 1.6 2.77
September 5.54 1.5 2.80   5.11 1.6 2.77
October 5.79 1.5 2.80   5.06 1.7 2.77
November 6.10 1.5 2.81   5.26 1.8 2.77
December 6.66 1.5 2.81   5.43 1.7 2.76
Annual Average: 5.36 1.5 2.79   5.62 1.7 2.77

 
1992
 
1991
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 5.89 1.7 2.75   5.89 1.7 2.78
February 5.88 1.8 2.76   5.88 1.8 2.78
March 6.11 1.9 2.76   6.11 1.9 2.77
April 6.15 1.7 2.76   6.15 1.7 2.77
May 6.00 1.7 2.76   6.00 1.7 2.77
June 5.87 1.7 2.75   5.87 1.7 2.77
July 5.51 1.6 2.76   5.51 1.6 2.76
August 5.27 1.6 2.76   5.27 1.6 2.77
September 5.11 1.6 2.76   5.11 1.6 2.77
October 5.06 1.7 2.76   5.06 1.7 2.77
November 5.26 1.8 2.76   5.26 1.8 2.77
December 5.43 1.7 2.77   5.43 1.7 2.76
Annual Average: 5.62 1.7 2.76   5.62 1.7 2.77

 
1990
 
1989
 
Rate
Pts
Margin
 
Rate
Pts
Margin
January 8.39 2.2 2.77   8.55 2.4 2.76
February 8.46 2.2 2.77   8.65 2.4 2.77
March 8.53 2.2 2.77   9.09 2.4 2.77
April 8.55 2.2 2.78   9.40 2.4 2.77
May 8.59 2.1 2.77   9.30 2.3 2.77
June 8.49 2.1 2.78   9.03 2.3 2.78
July 8.43 2.1 2.77   8.74 2.3 2.77
August 8.35 2.1 2.77   8.65 2.3 2.76
September 8.28 2.1 2.77   8.71 2.2 2.77
October 8.20 2.1 2.77   8.62 2.3 2.77
November 8.10 2.1 2.77   8.51 2.2 2.77
December 7.93 2.0 2.77   8.39 2.3 2.77
Annual Average: 8.36 2.1 2.77   8.80 2.3 2.77

 
1988
 
1987
 
Rate
Pts
Margin
 
Rate
Pts
January 7.83 2.2 n/a   10.84 2.5
February 7.61 2.2 2.74   10.63 2.4
March 7.52 2.2 2.74   10.90 2.6
April 7.58 2.2 2.75   10.83 2.6
May 7.69 2.3 2.75   10.55 2.5
June 7.85 2.3 2.75   9.89 2.5
July 7.84 2.3 2.76   9.70 2.5
August 8.01 2.3 2.74   9.54 2.6
September 8.14 2.4 2.76   9.52 2.6
October 8.12 2.4 2.75   9.55 2.5
November 8.16 2.3 2.76   9.36 2.4
December 8.40 2.4 2.76   9.19 2.3
Annual Average: 7.90 2.3 2.75   10.05 2.5

 
1986
 
1985
 
Rate
Pts
 
Rate
Pts
January 9.01 2.3   10.84 2.5
February 8.93 2.3   10.63 2.4
March 8.64 2.3   10.90 2.6
April 8.54 2.4   10.83 2.6
May 8.54 2.4   10.55 2.5
June 8.60 2.4   9.89 2.5
July 8.52 2.4   9.70 2.5
August 8.40 2.2   9.54 2.6
September 8.20 2.2   9.52 2.6
October 8.06 2.1   9.55 2.5
November 7.90 2.1   9.36 2.4
December 7.68 2.1   9.19 2.3
Annual Average: 8.43 2.3   10.05 2.5

 
1984
 
Rate
Pts
January 10.99 2.3
February 10.89 2.4
March 11.02 2.4
April 11.16 2.4
May 11.35 2.5
June 11.67 2.5
July 12.20 2.6
August 12.14 2.6
September 12.00 2.6
October 11.96 2.6
November 11.54 2.5
December 11.01 2.5
Annual Average: 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 84K]
  • 5-Year Adjustable-Rate Historic Tables
    		• HTML / Excel [XLS 82K]
  • Weekly PMMS Survey
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