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Fixed-Rate Mortgages

Region	Average Conventional 30-Year Commitment Rate	Fees & Points	Average Conventional 15-Year Commitment Rate	Fees & Points
U.S.	6.14	0.5	5.44	0.5
Northeast	6.22	0.4	5.48	0.3
Southeast	6.13	0.5	5.48	0.5
North Central	6.18	0.3	5.48	0.3
Southwest	6.08	0.5	5.41	0.5
West	6.06	0.8	5.36	0.8
Data provided by Freddie Mac.

One-Year Adjustable-Rate Mortgages
	Commitment Rate	Fees & Points	Margin
U.S.	3.68	0.5	2.75
Northeast	3.68	0.5	2.79
Southeast	3.63	0.6	2.74
North Central	3.93	0.3	2.77
Southwest	3.76	0.6	2.72
West	3.47	0.6	2.72
Data provided by Freddie Mac.

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