Fixed-Rate Mortgages
	Average Conventional 30-Year Commitment Rate	Fees & Points	Average Conventional 15-Year Commitment Rate	Fees & Points
U.S.	7.83	1.0	7.50	1.0
Northeast	7.78	1.1	7.45	1.1
Southeast	7.83	0.9	7.48	0.9
North Central	7.87	0.8	7.54	0.9
Southwest	7.86	0.9	7.50	0.9
West	7.82	1.0	7.51	1.0

One-Year Adjustable-Rate Mortgages
	Commitment Rate	Fees & Points	Margin
U.S.	7.21	1.0	2.78
Northeast	7.07	1.1	2.80
Southeast	7.28	0.9	2.78
North Central	7.21	0.9	2.80
Southwest	7.23	0.9	2.77
West	7.28	1.0	2.77

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