1-Year Adjustable-Rate Mortgages (ARMs) Since 1984
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or (703) 903-3933
Monthly Average Commitment Rate And Points On 1-Year Adjustable-Rate Mortgage
2015 | 2014 | 2013 | |||||||
---|---|---|---|---|---|---|---|---|---|
Rate | Pts | Margin | Rate | Pts | Margin | Rate | Pts | Margin | |
January | 2.38 | 0.4 | 2.74 | 2.55 | 0.5 | 2.72 | 2.58 | 0.5 | 2.76 |
February | 2.43 | 0.4 | 2.74 | 2.54 | 0.4 | 2.71 | 2.61 | 0.4 | 2.76 |
March | 2.46 | 0.4 | 2.74 | 2.48 | 0.4 | 2.71 | 2.63 | 0.4 | 2.76 |
April | 2.46 | 0.4 | 2.74 | 2.44 | 0.5 | 2.72 | 2.63 | 0.4 | 2.76 |
May | 2.49 | 0.4 | 2.74 | 2.43 | 0.4 | 2.72 | 2.55 | 0.4 | 2.76 |
June | 2.54 | 0.2 | 2.74 | 2.40 | 0.4 | 2.72 | 2.60 | 0.4 | 2.77 |
July | 2.52 | 0.3 | 2.74 | 2.39 | 0.4 | 2.73 | 2.66 | 0.4 | 2.76 |
August | 2.60 | 0.3 | 2.74 | 2.37 | 0.5 | 2.73 | 2.65 | 0.4 | 2.76 |
September | 2.59 | 0.3 | 2.74 | 2.43 | 0.4 | 2.73 | 2.67 | 0.4 | 2.76 |
October | 2.56 | 0.2 | 2.74 | 2.41 | 0.4 | 2.73 | 2.63 | 0.4 | 2.77 |
November | 2.63 | 0.3 | 2.74 | 2.44 | 0.4 | 2.74 | 2.61 | 0.4 | 2.76 |
December | 2.66 | 0.2 | 2.74 | 2.40 | 0.4 | 2.74 | 2.56 | 0.5 | 2.75 |
Annual Average: | 2.53 | 0.3 | 2.74 | 2.44 | 0.4 | 2.73 | 2.62 | 0.4 | 2.76 |
2012 | 2011 | 2010 | |||||||
---|---|---|---|---|---|---|---|---|---|
Rate | Pts | Margin | Rate | Pts | Margin | Pts | Margin | ||
January | 2.76 | 0.6 | 2.76 | 3.25 | 0.6 | 2.77 | 4.33 | 0.6 | 2.75 |
February | 2.78 | 0.6 | 2.76 | 3.35 | 0.6 | 2.76 | 4.23 | 0.6 | 2.75 |
March | 2.77 | 0.6 | 2.76 | 3.22 | 0.6 | 2.76 | 4.20 | 0.6 | 2.75 |
April | 2.78 | 0.6 | 2.76 | 3.20 | 0.6 | 2.76 | 4.16 | 0.5 | 2.75 |
May | 2.74 | 0.5 | 2.76 | 3.13 | 0.5 | 2.76 | 4.01 | 0.6 | 2.75 |
June | 2.76 | 0.6 | 2.76 | 3.00 | 0.5 | 2.76 | 3.86 | 0.7 | 2.75 |
July | 2.69 | 0.5 | 2.76 | 2.97 | 0.5 | 2.76 | 3.73 | 0.7 | 2.77 |
August | 2.67 | 0.4 | 2.75 | 2.93 | 0.5 | 2.76 | 3.53 | 0.7 | 2.77 |
September | 2.61 | 0.4 | 2.76 | 2.84 | 0.6 | 2.76 | 3.46 | 0.7 | 2.77 |
October | 2.59 | 0.4 | 2.77 | 2.92 | 0.6 | 2.76 | 3.36 | 0.7 | 2.77 |
November | 2.57 | 0.4 | 2.76 | 2.90 | 0.6 | 2.76 | 3.25 | 0.7 | 2.77 |
December | 2.54 | 0.5 | 2.76 | 2.79 | 0.6 | 2.76 | 3.31 | 0.6 | 2.76 |
Annual Average: | 2.69 | 0.5 | 2.76 | 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 |