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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

	2012
	Rate	Pts	Margin
January	2.76	0.6	2.76
February
March
April
May
June
July
August
September
October
November
December
Annual Average:

	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

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