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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 5, 2017 4.20 0.5 3.44 0.5 3.33 0.4 2.74 2.78 0.4 2.74 [b] [a]
January 12, 2017 4.12 0.5 3.37 0.5 3.23 0.5 2.74 2.79 0.4 2.73 [b] [a]
January 19, 2017 4.09 0.5 3.34 0.5 3.21 0.4 2.74 2.74 0.4 2.74 [b] [a]
January 26, 2017 4.19 0.4 3.40 0.4 3.20 0.4 2.74 2.76 0.3 2.72 [b] [a]
February 2, 2017 4.19 0.5 3.41 0.5 3.23 0.4 2.74 2.77 0.4 2.73 [b] [a]
February 9, 2017 4.17 0.4 3.39 0.4 3.21 0.4 2.74 2.88 0.2 2.74 [b] [a]
February 16, 2017 4.15 0.5 3.35 0.5 3.18 0.4 2.74 2.80 0.3 2.74 [b] [a]
February 23, 2017 4.16 0.5 3.37 0.5 3.16 0.4 2.74 2.82 0.3 2.76 [b] [a]
March 2, 2017 4.10 0.5 3.32 0.5 3.14 0.4 2.74 2.81 0.3 2.76 [b] [a]
March 9, 2017 4.21 0.5 3.42 0.5 3.23 0.4 2.74 2.73 0.4 2.74 [b] [a]
March 16, 2017 4.30 0.5 3.50 0.5 3.28 0.4 2.74 2.76 0.4 2.74 [b] [a]
March 23, 2017 4.23 0.5 3.44 0.5 3.24 0.4 2.74 2.77 0.4 2.74 [b] [a]
March 30, 2017 4.14 0.5 3.39 0.4 3.18 0.4 2.74 2.77 0.4 2.74 [b] [a]
April 6, 2017 4.10 0.5 3.36 0.5 3.19 0.4 2.74 2.86 0.3 2.78 [d] [a]
April 13, 2017 4.08 0.5 3.34 0.5 3.18 0.4 2.74 2.85 0.3 2.78 [d] [a]
April 20, 2017 3.97 0.5 3.23 0.5 3.10 0.4 2.74 2.85 0.3 2.78 [d] [a]
April 27, 2017 4.03 0.5 3.27 0.4 3.12 0.4 2.74 2.85 0.3 2.78 [d] [a]
May 4, 2017 4.02 0.5 3.27 0.5 3.13 0.5 2.74 2.85 0.3 2.78 [d] [a]
May 11, 2017 4.05 0.5 3.29 0.5 3.14 0.5 2.74 2.86 0.33 2.78 [d] [a]
May 18, 2017 4.02 0.5 3.27 0.5 3.13 0.5 2.74 2.86 0.33 2.78 [d] [a]
May 25, 2017 3.95 0.5 3.19 0.5 3.07 0.4 2.73 2.86 0.33 2.78 [d] [a]
June 1, 2017 3.94 0.5 3.19 0.5 3.11 0.5 2.74 2.86 0.26 2.78 [d] [a]
June 8, 2017 3.89 0.5 3.16 0.5 3.11 0.5 2.74 2.85 0.26 2.78 [d] [a]
June 15, 2017 3.91 0.5 3.18 0.5 3.15 0.5 2.74 2.85 0.26 2.78 [d] [a]
June 22, 2017 3.90 0.5 3.17 0.5 3.14 0.5 2.74 2.86 0.24 2.78 [d] [a]
June 29, 2017 3.88 0.5 3.17 0.5 3.17 0.5 2.74 2.86 0.24 2.78 [d] [a]
July 6, 2017 3.96 0.6 3.22 0.5 3.21 0.5 2.74 2.86 0.24 2.78 [d] [a]
July 13, 2017 4.03 0.5 3.29 0.5 3.28 0.5 2.74 2.86 0.24 2.78 [d] [a]
July 20, 2017 3.96 0.6 3.23 0.5 3.21 0.5 2.74 2.86 0.24 2.78 [d] [a]
July 27, 2017 3.92 0.5 3.20 0.5 3.18 0.5 2.74 2.86 0.24 2.78 [d] [a]
August 3, 2017 3.93 0.5 3.18 0.5 3.15 0.5 2.74 2.86 0.24 2.78 [d] [a]
August 10, 2017 3.90 0.5 3.18 0.5 3.14 0.5 2.74 2.86 0.24 2.78 [d] [a]
August 17, 2017 3.89 0.4 3.16 0.5 3.16 0.4 2.74 2.86 0.24 2.78 [d] [a]
August 24, 2017 3.86 0.5 3.16 0.5 3.17 0.5 2.74 2.86 0.24 2.78 [d] [a]
August 31, 2017 3.82 0.5 3.12 0.5 3.14 0.5 2.74 2.86 0.24 2.78 [d] [a]
September 7, 2017 3.78 0.5 3.08 0.5 3.15 0.4 2.74 2.86 0.24 2.78 [d] [a]
September 14, 2017 3.78 0.5 3.08 0.5 3.13 0.4 2.74 2.86 0.24 2.78 [d] [a]
September 21, 2017 3.83 0.5 3.13 0.5 3.17 0.4 2.74 2.83 0.19 2.81 [d] [a]
September 28, 2017 3.83 0.6 3.13 0.5 3.20 0.5 2.74 2.82 0.18 2.80 [d] [a]
October 5, 2017 3.85 0.5 3.15 0.5 3.18 0.4 2.74 2.82 0.24 2.80 [d] [a]
October 12, 2017 3.91 0.5 3.21 0.5 3.16 0.4 2.74 2.79 0.22 2.79 [d] [a]
October 19, 2017 3.88 0.5 3.19 0.5 3.17 0.4 2.74 2.79 0.22 2.79 [d] [a]
October 26, 2017 3.94 0.5 3.25 0.5 3.21 0.4 2.74 2.78 0.21 2.81 [d] [a]
November 2, 2017 3.94 0.5 3.27 0.5 3.23 0.5 2.74 2.78 0.21 2.81 [d] [a]
November 9, 2017 3.90 0.4 3.24 0.5 3.22 0.5 2.74 2.79 0.21 2.81 [d] [a]
November 16, 2017 3.95 0.5 3.31 0.5 3.21 0.4 2.74 2.83 0.20 2.79 [d] [a]
November 22, 2017 3.92 0.5 3.32 0.4 3.22 0.4 2.74 2.83 0.20 2.79 [d] [a]
November 30, 2017 3.90 0.5 3.30 0.5 3.32 0.3 2.74 2.84 0.20 2.79 [d] [a]
December 7, 2017 3.94 0.5 3.36 0.5 3.35 0.3 2.75 2.81 0.18 2.80 [d] [a]
December 14, 2017 3.93 0.5 3.36 0.5 3.36 0.3 2.75 2.81 0.18 2.80 [d] [a]
December 21, 2017 3.94 0.5 3.38 0.5 3.39 0.3 2.75 2.82 0.18 2.80 [d] [a]


Historical Mortgage Rates:

2016 Mortgage Rates


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
[d] CFPB market research

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Last Modified: 12/21/2017 2:25 PM