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              Primary Mortgage Market Survey Definitions

              Commitment Rate
              The interest rate a lender would charge to lend mortgage money to a qualified borrower exclusive of the fees and points required by the lender. This commitment rate applies only to conventional financing on conforming mortgages with loan-to-value rates of 80 percent or less.
              ARM Index
              The one-year Treasury
              Loan to Value Ratio (LTV)
              The ratio of the loan amount of a mortgage loan to the lower of the appraisal value or purchase price of the property securing the loan.
              Origination Fees and Discount Points
              The total charged by the lender at settlement. One point equals one percent of the loan amount.
              A fixed amount added to the underlying index to establish the fully indexed rate for an ARM.
              Weighted Averages

              Weights for the Primary Mortgage Market Survey have been adjusted as of November 11, 2010. The new weights use the dollar volume of conventional first-lien mortgage originations within the 1-unit Freddie Mac loan limit as reported under the Home Mortgage Disclosure Act (HMDA) for 2009. The weights are:

              Freddie Mac RegionPMMS WeightsRegion Definition
              Northeast 27.1 NY, NJ, PA, DE, MD, DC, VA, WV, ME, NH, VT, MA, RI, CT
              Southeast 13.6 NC, SC, TN, KY, GA, AL, FL, MS, PR, VI
              North Central 17.2 OH, IN, IL, MI, WI, MN, IA, ND, SD
              Southwest 12.8 TX, LA, NM, OK, AR, MO, KS, CO, NE, WY
              West 29.3 CA, AZ, NV, OR, WA, UT, ID, MT, HI, AK, GU

              Opinions, estimates, forecasts and other views contained in this document are those of Freddie Mac's Economic & Housing Research group, do not necessarily represent the views of Freddie Mac or its management, should not be construed as indicating Freddie Mac's business prospects or expected results, and are subject to change without notice. Although the Economic & Housing Research group attempts to provide reliable, useful information, it does not guarantee that the information is accurate, current or suitable for any particular purpose. The information is therefore provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document is strictly prohibited. ©2019 by Freddie Mac.

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