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Fixed-Rate Mortgages

Region Avg. Conventional
30-Yr Commitment
Rate		 Fees &
Points		 Avg. Conventional
15-Yr Commitment
Rate		 Fees &
Points
U.S. 6.28 0.8 5.60 0.8
Northeast 6.25 0.7 5.56 0.7
Southeast 6.28 0.8 5.60 0.8
North Central 6.40 0.4 5.72 0.4
Southwest 6.24 0.8 5.60 0.8
West 6.22 1.0 5.54 1.0
Data provided by Freddie Mac

One-Year Adjustable-Rate Mortgages
Region Commitment
Rate		 Fees &
Points		 Margin
U.S. 3.84 0.7 2.76
Northeast 3.77 1.0 2.77
Southeast 3.75 0.8 2.75
North Central 4.13 0.4 2.78
Southwest 3.78 0.8 2.76
West 3.75 0.8 2.74
Data provided by Freddie Mac

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