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1-Year Adjustable-Rate Mortgages (ARMs) Since 1984

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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

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