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Mortgage Rate Survey Data Used to Calculate Rate Spreads
for Loans Reportable Under HMDA
Date 30-Year Fixed Rates 30-Year Fixed Points & Fees 15-Year Fixed Rates 15-Year Fixed Points & Fees 5-Year ARM Rates 5-Year ARM Points & Fees 5-Year ARM Margins 1-Year ARM Rates 1-Year ARM Points & Fees 1-Year ARM Margins Source of 1-Year ARM Data Source of All Other Data
January 7, 2016 3.97 0.6 3.26 0.5 3.09 0.5 2.75 2.68 0.2 2.74 [a] [a]
January 14, 2016 3.92 0.6 3.19 0.5 3.01 0.4 2.75 2.67 0.2 2.74 [b] [a]
January 21, 2016 3.81 0.6 3.10 0.5 2.91 0.5 2.74 2.66 0.2 2.74 [b] [a]
January 28, 2016 3.79 0.6 3.07 0.5 2.90 0.5 2.74 2.70 0.2 2.74 [b] [a]
February 4, 2016 3.72 0.6 3.01 0.5 2.85 0.4 2.74 2.61 0.2 2.73 [b] [a]
February 11, 2016 3.65 0.5 2.95 0.5 2.83 0.4 2.74 2.57 0.2 2.73 [b] [a]
February 18, 2016 3.65 0.5 2.95 0.5 2.85 0.4 2.74 2.66 0.2 2.73 [b] [a]
February 25, 2016 3.62 0.6 2.93 0.5 2.79 0.5 2.73 2.59 0.2 2.73 [b] [a]
March 3, 2016 3.64 0.5 2.94 0.5 2.84 0.5 2.74 2.61 0.2 2.73 [b] [a]
March 10, 2016 3.68 0.5 2.96 0.5 2.92 0.4 2.74 2.58 0.2 2.73 [b] [a]
March 17, 2016 3.73 0.5 2.99 0.4 2.93 0.5 2.74 2.64 0.2 2.74 [b] [a]
March 24, 2016 3.71 0.5 2.96 0.4 2.89 0.5 2.74 2.62 0.2 2.73 [b] [a]
March 31, 2016 3.71 0.5 2.98 0.4 2.90 0.5 2.74 2.56 0.2 2.73 [b] [a]
April 7, 2016 3.59 0.5 2.88 0.4 2.82 0.5 2.73 2.57 0.2 2.73 [b] [a]
April 14, 2016 3.58 0.5 2.86 0.5 2.84 0.4 2.73 2.52 0.2 2.73 [b] [a]
April 21, 2016 3.59 0.6 2.85 0.5 2.81 0.5 2.74 2.52 0.3 2.73 [b] [a]
April 28, 2016 3.66 0.6 2.89 0.6 2.86 0.5 2.73 2.53 0.3 2.73 [b] [a]
May 5, 2016 3.61 0.6 2.86 0.5 2.80 0.5 2.73 2.54 0.3 2.73 [b] [a]
May 12, 2016 3.57 0.5 2.81 0.5 2.78 0.5 2.74 2.53 0.3 2.73 [b] [a]
May 19, 2016 3.58 0.6 2.81 0.5 2.80 0.5 2.74 2.54 0.3 2.73 [b] [a]
May 26, 2016 3.64 0.5 2.89 0.5 2.87 0.5 2.75 2.56 0.3 2.73 [b] [a]
June 2, 2016 3.66 0.5 2.92 0.5 2.88 0.5 2.74 2.56 0.3 2.73 [b] [a]
June 9, 2016 3.60 0.5 2.87 0.5 2.82 0.5 2.74 2.57 0.3 2.73 [b] [a]
June 16, 2016 3.54 0.5 2.81 0.5 2.74 0.5 2.74 2.52 0.3 2.73 [b] [a]
June 23, 2016 3.56 0.6 2.83 0.5 2.74 0.5 2.74 2.50 0.3 2.73 [b] [a]
June 30, 2016 3.48 0.5 2.78 0.4 2.70 0.5 2.74 2.50 0.3 2.73 [b] [a]
July 7, 2016 3.41 0.5 2.74 0.4 2.68 0.5 2.75 2.82 0.12 2.76 [c] [a]
July 14, 2016 3.42 0.5 2.72 0.5 2.76 0.4 2.74 2.74 0.2 2.79 [c] [a]
July 21, 2016 3.45 0.5 2.75 0.5 2.78 0.5 2.74 2.72 0.24 2.76 [c] [a]
July 28, 2016 3.48 0.5 2.78 0.5 2.78 0.5 2.74 2.74 0.20 2.78 [c] [a]
August 4, 2016 3.43 0.5 2.74 0.5 2.73 0.5 2.74 2.75 0.10 2.78 [c] [a]
August 11, 2016 3.45 0.5 2.76 0.5 2.74 0.5 2.74 2.79 0.3 2.77 [c] [a]
August 18, 2016 3.43 0.5 2.74 0.5 2.76 0.4 2.74 2.66 0.2 2.79 [c] [a]
August 25, 2016 3.43 0.6 2.74 0.5 2.75 0.4 2.74 2.74 0.2 2.76 [c] [a]
September 1, 2016 3.46 0.5 2.77 0.5 2.83 0.4 2.74 2.75 0.2 2.77 [c] [a]
September 8, 2016 3.44 0.6 2.76 0.5 2.81 0.4 2.74 2.83 0.3 2.78 [c] [a]
September 15, 2016 3.50 0.5 2.77 0.4 2.82 0.4 2.74 2.76 0.2 2.78 [c] [a]
September 22, 2016 3.48 0.6 2.76 0.5 2.80 0.5 2.74 2.59 0.3 2.73 [b] [a]
September 29, 2016 3.42 0.5 2.72 0.5 2.81 0.4 2.74 2.57 0.4 2.73 [b] [a]
October 6, 2016 3.42 0.5 2.72 0.5 2.80 0.4 2.74 2.61 0.3 2.73 [b] [a]
October 13, 2016 3.47 0.6 2.76 0.6 2.82 0.4 2.74 2.60 0.3 2.73 [b] [a]
October 20, 2016 3.52 0.5 2.79 0.5 2.85 0.4 2.74 2.60 0.3 2.73 [b] [a]
October 27, 2016 3.47 0.6 2.78 0.5 2.84 0.4 2.74 2.61 0.2 2.72 [b] [a]
November 3, 2016 3.54 0.5 2.84 0.5 2.87 0.4 2.74 2.60 0.2 2.74 [b] [a]
November 10, 2016 3.57 0.5 2.88 0.5 2.88 0.4 2.74 2.62 0.2 2.74 [b] [a]
November 17, 2016 3.94 0.5 3.14 0.5 3.07 0.4 2.74 2.52 0.2 2.74 [b] [a]
November 23, 2016 4.03 0.5 3.25 0.5 3.12 0.4 2.74 2.67 0.3 2.73 [b] [a]
December 1, 2016 4.08 0.5 3.34 0.5 3.15 0.4 2.74 2.63 0.3 2.72 [b] [a]
December 8, 2016 4.13 0.5 3.36 0.5 3.17 0.5 2.74 2.66 0.3 2.72 [b] [a]

As of January 1, 2016, Freddie Mac no longer publishes Primary Mortgage Market Survey® (PMMS) result for the 1-year ARM product. Therefore, alternative data sources have been used, as specified in the table.

Sources:
[a] Freddie Mac's PMMS
[b] Data obtained from Freddie Mac using the same survey and calculation techniques as PMMS, although the official PMMS no longer publishes results for the 1-year ARM product
[c] HSH Associates