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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

  2013201220112010
  RatePtsRatePtsRatePtsRatePts
January 2.70 0.7 3.20 0.8 4.09 0.8 4.44 0.6
February 2.77 0.8 3.16 0.8 4.22 0.7 4.37 0.7
March 2.76 0.7 3.20 0.8 4.08 0.7 4.33 0.7
April 2.66 0.7 3.14 0.7 4.06 0.7 4.42 0.6
May     3.03 0.7 3.82 0.7 4.28 0.7
June     2.95 0.7 3.69 0.7 4.18 0.7
July     2.85 0.7 3.68 0.7 4.04 0.7
August     2.86 0.6 3.46 0.7 3.91 0.6
September     2.78 0.6 3.32 0.6 3.81 0.6
October     2.69 0.6 3.35 0.8 3.66 0.7
November     2.66  0.7  3.31 0.7 3.68 0.7 
December     2.66 0.7 3.25 0.8 4.06 0.7
Annual Average     2.93 0.7 3.68 0.7 4.10 0.7

 

  20092008200720062005
  RatePtsRatePtsRatePtsRatePtsRatePts
January 4.72 0.7 5.29 0.4 5.97 0.4 5.71 0.5 5.17 0.6
February 4.77 0.7 5.44 0.5 6.02 0.4 5.86 0.6 5.15 0.7
March 4.64 0.7 5.42 0.5 5.88 0.4 5.97 0.6 5.46 0.7
April 4.50 0.7 5.47 0.4 5.88 0.5 6.16 0.5 5.41 0.6
May 4.52 0.7 5.60 0.5 5.97 0.4 6.21 0.5 5.28 0.6
June 4.90 0.7 5.91 0.6 6.34 0.4 6.31 0.5 5.17 0.6
July 4.69 0.7 5.97 0.6 6.36 0.4 6.39 0.4 5.28 0.6
August 4.61 0.7 6.03 0.7 6.23 0.4 6.20 0.4 5.40 0.6
September 4.49 0.6 5.64 0.6 6.05 0.5 6.08 0.4 5.36 0.6
October 4.39 0.6 5.89 0.6 6.04 0.6 6.05 0.5 5.63 0.6
November 4.34 0.6 5.79 0.7 5.85 0.5 5.96 0.5 5.86 0.6
December 4.39 0.6 5.04 0.7 5.75 0.5 5.88 0.5 5.82 0.6
Annual Average 4.57 0.7 5.62 0.6 6.03 0.4 6.07 0.5 5.42 0.6

 

  20042003200220012000
  RatePtsRatePtsRatePtsRatePtsRatePts
January 5.02 0.7 5.30 0.6 6.48 0.7 6.64 0.9 7.80 1.0
February 4.94 0.7 5.22 0.6 6.38 0.7 6.64 0.9 7.93 1.0
March 4.74 0.7 5.07 0.6 6.52 0.7 6.51 1.0 7.83 0.9
April 5.16 0.6 5.12 0.6 6.48 0.7 6.60 1.0 7.80 1.0
May 5.64 0.7 4.86 0.7 6.28 0.7 6.68 1.0 8.18 1.0
June 5.66 0.6 4.63 0.6 6.11 0.6 6.70 1.0 7.99 0.9
July 5.46 0.6 4.97 0.5 5.93 0.5 6.68 0.9 7.87 0.9
August 5.26 0.6 5.59 0.7 5.70 0.6 6.50 0.9 7.76 1.0
September 5.14 0.7 5.46 0.6 5.51 0.6 6.34 0.9 7.60 1.0
October 5.12 0.6 5.27 0.6 5.50 0.6 6.10 0.9 7.47 1.0
November 5.14 0.6 5.27 0.7 5.46 0.6 6.15 0.8 7.42 0.9
December 5.18 0.6 5.20 0.6 5.45 0.6 6.54 0.8 7.06 0.9
Annual Average 5.21 0.6 5.17 0.6 5.98 0.6 6.50 0.9 7.72  1.0

 

  19991998199719961995
  RatePtsRatePtsRatePtsRatePtsRatePts
January 6.43 1.0 6.58 1.4 7.33 1.7 6.55 1.7 8.80 1.8
February 6.44 1.0 6.64 1.2 7.15 1.7 6.56 1.7 8.46 1.8
March 6.68 0.9 6.74 1.2 7.41 1.7 7.11 1.8 8.06 1.8
April 6.53 0.9 6.78 1.0 7.68 1.7 7.44 1.7 7.88 1.8
May 6.75 1.0 6.78 1.0 7.47 1.6 7.58 1.7 7.51 1.7
June 7.18 1.0 6.67 1.0 7.24 1.7 7.83 1.7 7.06 1.7
July 7.26 1.0 6.62 1.1 7.04 1.8 7.77 1.7 7.09 1.7
August 7.53 1.0 6.61 1.1 7.02 1.7 7.52 1.7 7.36 1.8
September 7.44 1.0 6.40 1.0 6.99 1.7 7.75 1.7 7.16 1.8
October 7.47 1.0 6.36 0.9 6.85 1.7 7.43 1.7 7.01 1.8
November 7.36 1.0 6.51 0.9 6.76 1.7 7.14 1.7 6.89 1.8
December 7.52 1.0 6.39 0.9 6.66 1.8 7.10 1.7 6.74 1.7
Annual Average 7.06 1.0 6.59  1.1  7.13 1.7 7.32 1.7 7.48 1.8

 

  1994199319921991
  RatePtsRatePtsRatePtsRatePts
January 6.57 1.7 7.51 1.7 8.01 1.7 na na
February 6.66 1.7 7.17 1.5 8.38 1.8 na na
March 7.18 1.7 7.00 1.6 8.58 1.9 na na
April 7.80 1.7 6.94 1.6 8.47 1.7 na na
May 8.08 1.7 6.93 1.8 8.29 1.7 na na
June 7.91 1.8 6.92 1.6 8.08 1.7 na na
July 8.11 1.7 6.72 1.6 7.67 1.6 na na
August 8.02 1.8 6.63 1.5 7.49 1.6 na na
September 8.13 1.8 6.43 1.5 7.41 1.6 8.69 1.8
October 8.39 1.8 6.37 1.5 7.55 1.7 8.49 1.8
November 8.67 1.8 6.69 1.5 7.80 1.8 8.33 1.7
December 8.80 1.8 6.68 1.5 7.74 1.6 8.07 1.7
Annual Average 7.86 1.8 6.83  1.6  7.96 1.7 na na

 

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