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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

	2010
	Rate	Pts	Margin
January	4.33	0.6	2.75
February
March
April
May
June
July
August
September
October
November
December
Annual Average:

	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

Other Available PMMS® Information:

• 30-Year Fixed-Rate Historic Tables HTML / Excel
• 15-Year Fixed-Rate Historic Tables HTML / Excel
• 5-Year Adjustable-Rate Historic Tables HTML / Excel
• Weekly PMMS Survey