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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

  20152014201320122011
  RatePtsRatePtsRatePtsRatePtsRatePts
January 2.99 0.5 3.48 0.7 2.70 0.7 3.20 0.8 4.09 0.8
February 3.01 0.6 3.35 0.7 2.77 0.8 3.16 0.8 4.22 0.7
March 3.04 0.6 3.36 0.6 2.76 0.7 3.20 0.8 4.08 0.7
April 2.94 0.6 3.39 0.6 2.66 0.7 3.14 0.7 4.06 0.7
May 3.06 0.6 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

 

  20102009200820072006
  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

 

  20052004200320022001
  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

 

  20001999199819971996
  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:

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