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Mortgage (ARM) Indexes

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Variability Table + Changes of Direction + We have an expertise in locating mortgage professionals offering option ARM loans.

Changes of Direction

The table below shows the number of times mortgage (ARM) index movement changed direction*
during each calendar year, from 1990 until 2005, for each of the following 12 indexes:
6-Month T-Bill, 1-Year CMT, 3-Year CMT, 5-Year CMT, 6-Month CD, 1-Month LIBOR, 6-Month LIBOR,
National Average Contract Mortgage Rate, MTA, COFI, COSI, CODI.

* For example, the MTA index movement change it's direction twice in 1990.

The last row displays the 16-year average of the above values. It is calculated by adding
the previous 16 annual values (1990 - 2005) together and dividing the result by 16.

Year 6-Month
T-Bill
1-Year
CMT
3-Year
CMT
5-Year
CMT
6-Month
CD
1-Month
LIBOR
6-Month
LIBOR
Contract
Rate
MTA COFI COSI CODI
1990 2 1 3 3 3 7 5 4 2 5 4 0
1991 2 4 5 5 2 4 3 1 0 0 0 0
1992 6 4 3 3 6 9 4 5 0 0 0 0
1993 7 4 4 4 4 6 5 4 3 2 0 0
1994 3 4 4 6 4 5 2 6 0 1 1 1
1995 3 2 2 2 4 7 3 3 1 3 1 1
1996 5 5 5 5 5 7 7 4 5 6 4 1
1997 6 7 5 5 5 8 7 4 3 5 3 0
1998 4 6 5 5 5 8 6 4 0 3 2 1
1999 5 5 8 8 5 7 5 3 1 3 1 1
2000 7 6 3 3 1 5 1 4 1 1 0 1
2001 2 4 4 6 0 0 1 2 0 0 3 0
2002 3 2 4 5 4 8 1 4 0 2 0 0
2003 5 6 6 7 3 6 6 5 0 2 1 0
2004 1 4 3 3 1 1 1 5 1 3 0 1
2005 0 2 5 5 0 0 0 4 0 0 0 0
Average 3.8 4.1 4.3 4.7 3.3 5.5 3.6 3.9 1.1 2.3 1.3 0.4

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