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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

  20172016201520142013
  RatePtsRatePtsRatePtsRatePtsRatePts
January 3.39 0.5 3.16 0.5 2.99 0.5 3.48 0.7 2.70 0.7
February     2.96 0.5 3.01 0.6 3.35 0.7 2.77 0.8
March     2.97 0.4 3.04 0.6 3.36 0.6 2.76 0.7
April      2.87  0.5 2.94 0.6 3.39 0.6 2.66 0.7
May     2.84 0.5 3.06 0.6 3.29 0.6 2.72 0.7
June     2.84 0.5 3.19 0.6 3.27 0.5 3.17 0.7
July     2.75 0.5 3.21 0.6 3.24 0.6 3.43 0.8
August     2.75 0.5 3.13 0.6 3.25 0.6 3.49 0.7
September     2.76 0.5 3.10 0.6 3.31 0.5 3.52 0.7
October     2.76 0.5 3.01 0.6 3.21 0.5 3.27 0.7
November     3.03 0.5 3.16 0.6 3.19 0.5 3.30 0.7
December     3.43 0.5 3.21 0.5 3.13 0.6 3.48 0.6
Annual Average     2.93 0.5 3.09 0.6 3.29 0.6 3.11 0.7

 

  20122011201020092008
  RatePtsRatePtsRatePtsRatePtsRatePts
January 3.20 0.8 4.09 0.8 4.44 0.6 4.72 0.7 5.29 0.4
February 3.16 0.8 4.22 0.7 4.37 0.7 4.77 0.7 5.44 0.5
March 3.20 0.8 4.08 0.7 4.33 0.7 4.64 0.7 5.42 0.5
April 3.14 0.7 4.06 0.7 4.42 0.6 4.50 0.7 5.47 0.4
May 3.03 0.7 3.82 0.7 4.28 0.7 4.52 0.7 5.60 0.5
June 2.95 0.7 3.69 0.7 4.18 0.7 4.90 0.7 5.91 0.6
July 2.85 0.7 3.68 0.7 4.04 0.7 4.69 0.7 5.97 0.6
August 2.86 0.6 3.46 0.7 3.91 0.6 4.61 0.7 6.03 0.7
September 2.80 0.6 3.32 0.6 3.81 0.6 4.49 0.6 5.64 0.6
October 2.69 0.6 3.35 0.8 3.66 0.7 4.39 0.6 5.89 0.6
November 2.66 0.7  3.31 0.7 3.68 0.7  4.34 0.6 5.79 0.7
December 2.66 0.7 3.25 0.8 4.06 0.7 4.39 0.6 5.04 0.7
Annual Average 2.93 0.7 3.68 0.7 4.10 0.7 4.57 0.7 5.62 0.6

 

  20072006200520042003
  RatePtsRatePtsRatePtsRatePtsRatePts
January 5.97 0.4 5.71 0.5 5.17 0.6 5.02 0.7 5.30 0.6
February 6.02 0.4 5.86 0.6 5.15 0.7 4.94 0.7 5.22 0.6
March 5.88 0.4 5.97 0.6 5.46 0.7 4.74 0.7 5.07 0.6
April 5.88 0.5 6.16 0.5 5.41 0.6 5.16 0.6 5.12 0.6
May 5.97 0.4 6.21 0.5 5.28 0.6 5.64 0.7 4.86 0.7
June 6.34 0.4 6.31 0.5 5.17 0.6 5.66 0.6 4.63 0.6
July 6.36 0.4 6.39 0.4 5.28 0.6 5.46 0.6 4.97 0.5
August 6.23 0.4 6.20 0.4 5.40 0.6 5.26 0.6 5.59 0.7
September 6.05 0.5 6.08 0.4 5.36 0.6 5.14 0.7 5.46 0.6
October 6.04 0.6 6.05 0.5 5.63 0.6 5.12 0.6 5.27 0.6
November 5.85 0.5 5.96 0.5 5.86 0.6 5.14 0.6 5.27 0.7
December 5.75 0.5 5.88 0.5 5.82 0.6 5.18 0.6 5.20 0.6
Annual Average 6.03 0.4 6.07 0.5 5.42 0.6 5.21 0.6 5.17 0.6

 

  20022001200019991998
  RatePtsRatePtsRatePtsRatePtsRatePts
January 6.48 0.7 6.64 0.9 7.80 1.0 6.43 1.0 6.58 1.4
February 6.38 0.7 6.64 0.9 7.93 1.0 6.44 1.0 6.64 1.2
March 6.52 0.7 6.51 1.0 7.83 0.9 6.68 0.9 6.74 1.2
April 6.48 0.7 6.60 1.0 7.80 1.0 6.53 0.9 6.78 1.0
May 6.28 0.7 6.68 1.0 8.18 1.0 6.75 1.0 6.78 1.0
June 6.11 0.6 6.70 1.0 7.99 0.9 7.18 1.0 6.67 1.0
July 5.93 0.5 6.68 0.9 7.87 0.9 7.26 1.0 6.62 1.1
August 5.70 0.6 6.50 0.9 7.76 1.0 7.53 1.0 6.61 1.1
September 5.51 0.6 6.34 0.9 7.60 1.0 7.44 1.0 6.40 1.0
October 5.50 0.6 6.10 0.9 7.47 1.0 7.47 1.0 6.36 0.9
November 5.46 0.6 6.15 0.8 7.42 0.9 7.36 1.0 6.51 0.9
December 5.45 0.6 6.54 0.8 7.06 0.9 7.52 1.0 6.39 0.9
Annual Average 5.98 0.6 6.50 0.9 7.72  1.0 7.06 1.0 6.59  1.1 

 

  19971996199519941993
  RatePtsRatePtsRatePtsRatePtsRatePts
January 7.33 1.7 6.55 1.7 8.80 1.8 6.57 1.7 7.51 1.7
February 7.15 1.7 6.56 1.7 8.46 1.8 6.66 1.7 7.17 1.5
March 7.41 1.7 7.11 1.8 8.06 1.8 7.18 1.7 7.00 1.6
April 7.68 1.7 7.44 1.7 7.88 1.8 7.80 1.7 6.94 1.6
May 7.47 1.6 7.58 1.7 7.51 1.7 8.08 1.7 6.93 1.8
June 7.24 1.7 7.83 1.7 7.06 1.7 7.91 1.8 6.92 1.6
July 7.04 1.8 7.77 1.7 7.09 1.7 8.11 1.7 6.72 1.6
August 7.02 1.7 7.52 1.7 7.36 1.8 8.02 1.8 6.63 1.5
September 6.99 1.7 7.75 1.7 7.16 1.8 8.13 1.8 6.43 1.5
October 6.85 1.7 7.43 1.7 7.01 1.8 8.39 1.8 6.37 1.5
November 6.76 1.7 7.14 1.7 6.89 1.8 8.67 1.8 6.69 1.5
December 6.66 1.8 7.10 1.7 6.74 1.7 8.80 1.8 6.68 1.5
Annual Average 7.13 1.7 7.32 1.7 7.48 1.8 7.86 1.8 6.83  1.6 

 

  19911992
  RatePtsRatePts
January na na 8.01 1.7
February na na 8.38 1.8
March na na 8.58 1.9
April na na 8.47 1.7
May na na 8.29 1.7
June na na 8.08 1.7
July na na 7.67 1.6
August na na 7.49 1.6
September 8.69 1.8 7.41 1.6
October 8.49 1.8 7.55 1.7
November 8.33 1.7 7.80 1.8
December 8.07 1.7 7.74 1.6
Annual Average na na 7.96 1.7

 

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