Skip to Page Content | Skip to Site Navigation | Skip to Section Navigation

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

  2015 2014 2013 2012 2011
  RatePtsRatePtsRatePtsRatePtsRatePts
January 2.99 0.5 3.48 0.7 2.70 0.7 3.20 0.8 4.09 0.8
February     3.35 0.7 2.77 0.8 3.16 0.8 4.22 0.7
March     3.36 0.6 2.76 0.7 3.20 0.8 4.08 0.7
April     3.39 0.6 2.66 0.7 3.14 0.7 4.06 0.7
May     3.29 0.6 2.72 0.7 3.03 0.7 3.82 0.7
June     3.27 0.5 3.17 0.7 2.95 0.7 3.69 0.7
July     3.24 0.6 3.43 0.8 2.85 0.7 3.68 0.7
August     3.25 0.6 3.49 0.7 2.86 0.6 3.46 0.7
September     3.31 0.5 3.52 0.7 2.80 0.6 3.32 0.6
October     3.21 0.5 3.27 0.7 2.69 0.6 3.35 0.8
November     3.19 0.5 3.30 0.7 2.66 0.7  3.31 0.7
December     3.13 0.6 3.48 0.6 2.66 0.7 3.25 0.8
Annual Average     3.29 0.6 3.11 0.7 2.93 0.7 3.68 0.7

 

  2010 2009 2008 2007 2006
  RatePtsRatePtsRatePtsRatePtsRatePts
January 4.44 0.6 4.72 0.7 5.29 0.4 5.97 0.4 5.71 0.5
February 4.37 0.7 4.77 0.7 5.44 0.5 6.02 0.4 5.86 0.6
March 4.33 0.7 4.64 0.7 5.42 0.5 5.88 0.4 5.97 0.6
April 4.42 0.6 4.50 0.7 5.47 0.4 5.88 0.5 6.16 0.5
May 4.28 0.7 4.52 0.7 5.60 0.5 5.97 0.4 6.21 0.5
June 4.18 0.7 4.90 0.7 5.91 0.6 6.34 0.4 6.31 0.5
July 4.04 0.7 4.69 0.7 5.97 0.6 6.36 0.4 6.39 0.4
August 3.91 0.6 4.61 0.7 6.03 0.7 6.23 0.4 6.20 0.4
September 3.81 0.6 4.49 0.6 5.64 0.6 6.05 0.5 6.08 0.4
October 3.66 0.7 4.39 0.6 5.89 0.6 6.04 0.6 6.05 0.5
November 3.68 0.7  4.34 0.6 5.79 0.7 5.85 0.5 5.96 0.5
December 4.06 0.7 4.39 0.6 5.04 0.7 5.75 0.5 5.88 0.5
Annual Average 4.10 0.7 4.57 0.7 5.62 0.6 6.03 0.4 6.07 0.5

 

  2005 2004 2003 2002 2001
  RatePtsRatePtsRatePtsRatePtsRatePts
January 5.17 0.6 5.02 0.7 5.30 0.6 6.48 0.7 6.64 0.9
February 5.15 0.7 4.94 0.7 5.22 0.6 6.38 0.7 6.64 0.9
March 5.46 0.7 4.74 0.7 5.07 0.6 6.52 0.7 6.51 1.0
April 5.41 0.6 5.16 0.6 5.12 0.6 6.48 0.7 6.60 1.0
May 5.28 0.6 5.64 0.7 4.86 0.7 6.28 0.7 6.68 1.0
June 5.17 0.6 5.66 0.6 4.63 0.6 6.11 0.6 6.70 1.0
July 5.28 0.6 5.46 0.6 4.97 0.5 5.93 0.5 6.68 0.9
August 5.40 0.6 5.26 0.6 5.59 0.7 5.70 0.6 6.50 0.9
September 5.36 0.6 5.14 0.7 5.46 0.6 5.51 0.6 6.34 0.9
October 5.63 0.6 5.12 0.6 5.27 0.6 5.50 0.6 6.10 0.9
November 5.86 0.6 5.14 0.6 5.27 0.7 5.46 0.6 6.15 0.8
December 5.82 0.6 5.18 0.6 5.20 0.6 5.45 0.6 6.54 0.8
Annual Average 5.42 0.6 5.21 0.6 5.17 0.6 5.98 0.6 6.50 0.9

 

  2000 1999 1998 1997 1996
  RatePtsRatePtsRatePtsRatePtsRatePts
January 7.80 1.0 6.43 1.0 6.58 1.4 7.33 1.7 6.55 1.7
February 7.93 1.0 6.44 1.0 6.64 1.2 7.15 1.7 6.56 1.7
March 7.83 0.9 6.68 0.9 6.74 1.2 7.41 1.7 7.11 1.8
April 7.80 1.0 6.53 0.9 6.78 1.0 7.68 1.7 7.44 1.7
May 8.18 1.0 6.75 1.0 6.78 1.0 7.47 1.6 7.58 1.7
June 7.99 0.9 7.18 1.0 6.67 1.0 7.24 1.7 7.83 1.7
July 7.87 0.9 7.26 1.0 6.62 1.1 7.04 1.8 7.77 1.7
August 7.76 1.0 7.53 1.0 6.61 1.1 7.02 1.7 7.52 1.7
September 7.60 1.0 7.44 1.0 6.40 1.0 6.99 1.7 7.75 1.7
October 7.47 1.0 7.47 1.0 6.36 0.9 6.85 1.7 7.43 1.7
November 7.42 0.9 7.36 1.0 6.51 0.9 6.76 1.7 7.14 1.7
December 7.06 0.9 7.52 1.0 6.39 0.9 6.66 1.8 7.10 1.7
Annual Average 7.72  1.0 7.06 1.0 6.59  1.1  7.13 1.7 7.32 1.7

 

  19951994199319921991
  RatePtsRatePtsRatePtsRatePtsRatePts
January 8.80 1.8 6.57 1.7 7.51 1.7 8.01 1.7 na na
February 8.46 1.8 6.66 1.7 7.17 1.5 8.38 1.8 na na
March 8.06 1.8 7.18 1.7 7.00 1.6 8.58 1.9 na na
April 7.88 1.8 7.80 1.7 6.94 1.6 8.47 1.7 na na
May 7.51 1.7 8.08 1.7 6.93 1.8 8.29 1.7 na na
June 7.06 1.7 7.91 1.8 6.92 1.6 8.08 1.7 na na
July 7.09 1.7 8.11 1.7 6.72 1.6 7.67 1.6 na na
August 7.36 1.8 8.02 1.8 6.63 1.5 7.49 1.6 na na
September 7.16 1.8 8.13 1.8 6.43 1.5 7.41 1.6 8.69 1.8
October 7.01 1.8 8.39 1.8 6.37 1.5 7.55 1.7 8.49 1.8
November 6.89 1.8 8.67 1.8 6.69 1.5 7.80 1.8 8.33 1.7
December 6.74 1.7 8.80 1.8 6.68 1.5 7.74 1.6 8.07 1.7
Annual Average 7.48 1.8 7.86 1.8 6.83  1.6  7.96 1.7 na na

 

 Other Available PMMS® Information:

Back to Top