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5-Year Adjustable-Rate Mortgages (ARMs) Since 2005

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Monthly Average Commitment Rate And Points On 5-Year Adjustable-Rate Mortgage

   2023 2022 2021
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January       2.57 0.3 2.75 2.87 0.4 2.75
February       2.87 0.3 2.75 2.83 0.2 2.75
March       3.19 0.3 2.75 2.78 0.3 2.75
April       3.70 0.3 2.75 2.81 0.3 2.75
May       4.06 0.3 2.75 2.62 0.3 2.75
June             2.56 0.3 2.75
July             2.49 0.3 2.75
August             2.42 0.3 2.75
September             2.45 0.3 2.75
October             2.54 0.3 2.75
November             2.51 0.3 2.75
December             2.43 0.3 2.75
Annual Average:          3.28 0.3 2.75 2.61 0.3 2.75
  2020 2019 2018
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 3.33 0.3 2.75 3.91 0.3 2.76 3.47 0.4 2.75
February 3.26 0.2 2.75 3.87 0.3 2.76 3.60 0.4 2.75
March 3.16 0.2 2.75 3.83 0.3 2.76 3.65 0.4 2.75
April 3.31 0.3 2.75 3.75 0.4 2.75 3.66 0.3 2.76
May 3.16 0.4 2.75 3.65 0.4 2.75 3.79 0.3 2.77
June 3.09 0.4 2.75 3.48 0.4 2.76 3.82 0.3 2.77
July 3.02 0.3 2.75 3.47 0.4 2.75 3.84 0.3 2.76
August 2.91 0.3 2.75 3.36 0.3 2.74 3.87 0.3 2.76
September 2.98 0.2 2.75 3.38 0.4 2.74 3.94 0.3 2.77
October 2.89 0.2 2.75 3.38 0.4 2.75 4.08 0.3 2.77
November 3.00 0.3 2.75 3.41 0.4 2.75 4.11 0.3 2.77
December 2.79 0.3 2.75 3.39 0.4 2.75 4.02 0.3 2.77
Annual Average:  3.08  0.3  2.75  3.57  0.4  2.75  3.82  0.3  2.76

 

  2017 2016 2015
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 3.24 0.4 2.74 2.98 0.5 2.75 2.89 0.4 2.74
February 3.20 0.4 2.74 2.83 0.4 2.74 2.94 0.5 2.74
March 3.21 0.4 2.74 2.90 0.5 2.74 2.97 0.5 2.74
April 3.15 0.4 2.74 2.83 0.5 2.73 2.86 0.5 2.74
May 3.12 0.5 2.74 2.81 0.5 2.74 2.89 0.5 2.74
June 3.14 0.5 2.74 2.78 0.5 2.74 2.99 0.4 2.74
July 3.22 0.5 2.74 2.75 0.5 2.74 2.96 0.4 2.74
August 3.15 0.5 2.74 2.75 0.5 2.74 2.93 0.5 2.74
September 3.16 0.4 2.74 2.81 0.4 2.74 2.92 0.5 2.74
October 3.18 0.4 2.74 2.83 0.4 2.74 2.89 0.4 2.74
November 3.24 0.4 2.74 2.99 0.4 2.74 3.00 0.5 2.75
December 3.39 0.3 2.75 3.23 0.4 2.74 3.04 0.4 2.75
Annual Average: 3.20 0.4 2.74 2.87 0.5 2.74 2.94 0.5 2.74

 

  2014 2013 2012
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 3.11 0.5 2.74 2.68 0.6 2.74 2.84 0.7 2.74
February 3.07 0.5 2.74 2.63 0.6 2.75 2.81 0.7 2.74
March 3.06 0.4 2.74 2.63 0.6 2.75 2.87 0.7 2.74
April 3.07 0.5 2.74 2.61 0.5 2.75 2.84 0.7 2.74
May 3.01 0.4 2.73 2.61 0.5 2.75 2.83 0.6 2.74
June 2.99 0.4 2.73 2.85 0.6 2.75 2.80 0.6 2.74
July 2.99 0.4 2.74 3.17 0.7 2.75 2.74 0.6 2.74
August 2.97 0.5 2.74 3.21 0.5 2.75 2.77 0.6 2.75
September 3.03 0.5 2.74 3.17 0.5 2.75 2.74 0.6 2.74
October 2.98 0.5 2.74 3.02 0.4 2.74 2.74 0.6 2.74
November 3.00 0.5 2.74 2.97 0.5 2.75 2.73 0.6 2.74
December 2.98 0.5 2.74 2.97 0.4 2.74 2.70 0.7 2.74
Annual Average: 3.02 0.5 2.74 2.88 0.5 2.75 2.78 0.7 2.74

 

  2011 2010 2009
  Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 3.72 0.7 2.75 4.32 0.6 2.74 5.31 0.6 2.74
February 3.82 0.6 2.75 4.19 0.6 2.74 5.15 0.6 2.73
March 3.67 0.6 2.74 4.10 0.6 2.74 5.00 0.7 2.71
April 3.66 0.6 2.74 4.09 0.6 2.75 4.88 0.6 2.74
May 3.44 0.6 2.74 3.95 0.7 2.74 4.83 0.6 2.74
June 3.29 0.6 2.74 3.90 0.7 2.75 5.00 0.6 2.75
July 3.28 0.6 2.74 3.79 0.7 2.74 4.80 0.7 2.74
August 3.12 0.5 2.73 3.58 0.6 2.74 4.68 0.6 2.74
September 2.99 0.6 2.74 3.54 0.6  2.75  4.53 0.5 2.74
October 3.03 0.6 2.74 3.45 0.6 2.75 4.39 0.6 2.74
November 2.96 0.6 2.74 3.37 0.7  2.75  4.27 0.6 2.74
December 2.88 0.6 2.74 3.68 0.6 2.75 4.33 0.6 2.74
Annual Average: 3.31 0.6 2.74 3.82 0.6 2.74 4.75 0.6 2.74

 

  2008 2007
  Rate Pts Margin Rate Pts Margin
January 5.45 0.5 2.75 6.02 0.5 2.76
February 5.30 0.4 2.75 6.00 0.5 2.76
March 5.54 0.7 2.75 5.90 0.6 2.76
April 5.58 0.6 2.76 5.91 0.6 2.77
May 5.64 0.5 2.76 5.98 0.5 2.77
June 5.77 0.6 2.76 6.31 0.6 2.76
July 5.93 0.6 2.74 6.32 0.5 2.76
August 6.02 0.6 2.73 6.33 0.5 2.76
September 5.88 0.6 2.74 6.21 0.6 2.76
October 6.09 0.6 2.74 6.09 0.5 2.76
November 5.98 0.6 2.74 5.91 0.5 2.75
December 5.65 0.6 2.74 5.86 0.5 2.76
Annual Average: 5.74 0.6 2.75 6.07 0.5 2.76

 

  2006 2005
  Rate Pts Margin Rate Pts Margin
January 5.76 0.6 2.78 5.04 0.6 2.79
February 5.92 0.6 2.78 5.02 0.7 2.79
March 5.98 0.7 2.78 5.30 0.7 2.78
April 6.15 0.7 2.78 5.27 0.6 2.77
May 6.22 0.6 2.78 5.13 0.7 2.79
June 6.28 0.5 2.77 5.06 0.5 2.79
July 6.36 0.5 2.75 5.22 0.6 2.78
August 6.18 0.4 2.76 5.34 0.6 2.79
September 6.08 0.5 2.76 5.31 0.6 2.78
October 6.09 0.6 2.76 5.57 0.7 2.78
November 6.02 0.6 2.76 5.80 0.6 2.78
December 5.95 0.5 2.76 5.78 0.6 2.77
Annual Average: 6.08 0.6 2.77 5.32 0.6 2.78

 

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