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15-Year Fixed-Rate Mortgages Since 1991

Contact: corprel@freddiemac.com
or (703) 903-3933


Monthly Average Commitment Rate And Points On 15-Year Fixed-Rate Mortgages

  20162015201420132012
  RatePtsRatePtsRatePtsRatePtsRatePts
January 3.16 0.5 2.99 0.5 3.48 0.7 2.70 0.7 3.20 0.8
February 2.96 0.5 3.01 0.6 3.35 0.7 2.77 0.8 3.16 0.8
March 2.97 0.4 3.04 0.6 3.36 0.6 2.76 0.7 3.20 0.8
April  2.87  0.5 2.94 0.6 3.39 0.6 2.66 0.7 3.14 0.7
May 2.84 0.5 3.06 0.6 3.29 0.6 2.72 0.7 3.03 0.7
June 2.84 0.5 3.19 0.6 3.27 0.5 3.17 0.7 2.95 0.7
July 2.75 0.5 3.21 0.6 3.24 0.6 3.43 0.8 2.85 0.7
August 2.75 0.5 3.13 0.6 3.25 0.6 3.49 0.7 2.86 0.6
September     3.10 0.6 3.31 0.5 3.52 0.7 2.80 0.6
October     3.01 0.6 3.21 0.5 3.27 0.7 2.69 0.6
November     3.16 0.6 3.19 0.5 3.30 0.7 2.66 0.7 
December     3.21 0.5 3.13 0.6 3.48 0.6 2.66 0.7
Annual Average     3.09 0.6 3.29 0.6 3.11 0.7 2.93 0.7

 

  20112010200920082007
  RatePtsRatePtsRatePtsRatePtsRatePts
January 4.09 0.8 4.44 0.6 4.72 0.7 5.29 0.4 5.97 0.4
February 4.22 0.7 4.37 0.7 4.77 0.7 5.44 0.5 6.02 0.4
March 4.08 0.7 4.33 0.7 4.64 0.7 5.42 0.5 5.88 0.4
April 4.06 0.7 4.42 0.6 4.50 0.7 5.47 0.4 5.88 0.5
May 3.82 0.7 4.28 0.7 4.52 0.7 5.60 0.5 5.97 0.4
June 3.69 0.7 4.18 0.7 4.90 0.7 5.91 0.6 6.34 0.4
July 3.68 0.7 4.04 0.7 4.69 0.7 5.97 0.6 6.36 0.4
August 3.46 0.7 3.91 0.6 4.61 0.7 6.03 0.7 6.23 0.4
September 3.32 0.6 3.81 0.6 4.49 0.6 5.64 0.6 6.05 0.5
October 3.35 0.8 3.66 0.7 4.39 0.6 5.89 0.6 6.04 0.6
November 3.31 0.7 3.68 0.7  4.34 0.6 5.79 0.7 5.85 0.5
December 3.25 0.8 4.06 0.7 4.39 0.6 5.04 0.7 5.75 0.5
Annual Average 3.68 0.7 4.10 0.7 4.57 0.7 5.62 0.6 6.03 0.4

 

  20062005200420032002
  RatePtsRatePtsRatePtsRatePtsRatePts
January 5.71 0.5 5.17 0.6 5.02 0.7 5.30 0.6 6.48 0.7
February 5.86 0.6 5.15 0.7 4.94 0.7 5.22 0.6 6.38 0.7
March 5.97 0.6 5.46 0.7 4.74 0.7 5.07 0.6 6.52 0.7
April 6.16 0.5 5.41 0.6 5.16 0.6 5.12 0.6 6.48 0.7
May 6.21 0.5 5.28 0.6 5.64 0.7 4.86 0.7 6.28 0.7
June 6.31 0.5 5.17 0.6 5.66 0.6 4.63 0.6 6.11 0.6
July 6.39 0.4 5.28 0.6 5.46 0.6 4.97 0.5 5.93 0.5
August 6.20 0.4 5.40 0.6 5.26 0.6 5.59 0.7 5.70 0.6
September 6.08 0.4 5.36 0.6 5.14 0.7 5.46 0.6 5.51 0.6
October 6.05 0.5 5.63 0.6 5.12 0.6 5.27 0.6 5.50 0.6
November 5.96 0.5 5.86 0.6 5.14 0.6 5.27 0.7 5.46 0.6
December 5.88 0.5 5.82 0.6 5.18 0.6 5.20 0.6 5.45 0.6
Annual Average 6.07 0.5 5.42 0.6 5.21 0.6 5.17 0.6 5.98 0.6

 

  20012000199919981997
  RatePtsRatePtsRatePtsRatePtsRatePts
January 6.64 0.9 7.80 1.0 6.43 1.0 6.58 1.4 7.33 1.7
February 6.64 0.9 7.93 1.0 6.44 1.0 6.64 1.2 7.15 1.7
March 6.51 1.0 7.83 0.9 6.68 0.9 6.74 1.2 7.41 1.7
April 6.60 1.0 7.80 1.0 6.53 0.9 6.78 1.0 7.68 1.7
May 6.68 1.0 8.18 1.0 6.75 1.0 6.78 1.0 7.47 1.6
June 6.70 1.0 7.99 0.9 7.18 1.0 6.67 1.0 7.24 1.7
July 6.68 0.9 7.87 0.9 7.26 1.0 6.62 1.1 7.04 1.8
August 6.50 0.9 7.76 1.0 7.53 1.0 6.61 1.1 7.02 1.7
September 6.34 0.9 7.60 1.0 7.44 1.0 6.40 1.0 6.99 1.7
October 6.10 0.9 7.47 1.0 7.47 1.0 6.36 0.9 6.85 1.7
November 6.15 0.8 7.42 0.9 7.36 1.0 6.51 0.9 6.76 1.7
December 6.54 0.8 7.06 0.9 7.52 1.0 6.39 0.9 6.66 1.8
Annual Average 6.50 0.9 7.72  1.0 7.06 1.0 6.59  1.1  7.13 1.7

 

  19961995199419931992
  RatePtsRatePtsRatePtsRatePtsRatePts
January 6.55 1.7 8.80 1.8 6.57 1.7 7.51 1.7 8.01 1.7
February 6.56 1.7 8.46 1.8 6.66 1.7 7.17 1.5 8.38 1.8
March 7.11 1.8 8.06 1.8 7.18 1.7 7.00 1.6 8.58 1.9
April 7.44 1.7 7.88 1.8 7.80 1.7 6.94 1.6 8.47 1.7
May 7.58 1.7 7.51 1.7 8.08 1.7 6.93 1.8 8.29 1.7
June 7.83 1.7 7.06 1.7 7.91 1.8 6.92 1.6 8.08 1.7
July 7.77 1.7 7.09 1.7 8.11 1.7 6.72 1.6 7.67 1.6
August 7.52 1.7 7.36 1.8 8.02 1.8 6.63 1.5 7.49 1.6
September 7.75 1.7 7.16 1.8 8.13 1.8 6.43 1.5 7.41 1.6
October 7.43 1.7 7.01 1.8 8.39 1.8 6.37 1.5 7.55 1.7
November 7.14 1.7 6.89 1.8 8.67 1.8 6.69 1.5 7.80 1.8
December 7.10 1.7 6.74 1.7 8.80 1.8 6.68 1.5 7.74 1.6
Annual Average 7.32 1.7 7.48 1.8 7.86 1.8 6.83  1.6  7.96 1.7

 

  1991
  RatePts
January na na
February na na
March na na
April na na
May na na
June na na
July na na
August na na
September 8.69 1.8
October 8.49 1.8
November 8.33 1.7
December 8.07 1.7
Annual Average na na

 

 Other Available PMMS® Information:

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