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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

  2018 2019 2020 2021 2022
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 3.48 0.5                
February 3.79 0.5                
March 3.91 0.5                
April 3.93 0.4                
May 4.07 0.4                
June                    
July                    
August                    
September                    
October                    
November                    
December                    
Annual Average                    
  2017 2016 2015 2014 2013
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 3.39 0.5 3.16 0.5 2.99 0.5 3.48 0.7 2.70 0.7
February 3.38 0.5 2.96 0.5 3.01 0.6 3.35 0.7 2.77 0.8
March 3.41 0.5 2.97 0.4 3.04 0.6 3.36 0.6 2.76 0.7
April 3.3 0.5  2.87  0.5 2.94 0.6 3.39 0.6 2.66 0.7
May 3.26 0.5 2.84 0.5 3.06 0.6 3.29 0.6 2.72 0.7
June 3.17 0.5 2.84 0.5 3.19 0.6 3.27 0.5 3.17 0.7
July 3.24 0.5 2.75 0.5 3.21 0.6 3.24 0.6 3.43 0.8
August 3.16 0.5 2.75 0.5 3.13 0.6 3.25 0.6 3.49 0.7
September 3.11 0.5 2.76 0.5 3.10 0.6 3.31 0.5 3.52 0.7
October  3.20  0.5 2.76 0.5 3.01 0.6 3.21 0.5 3.27 0.7
November 3.29 0.5 3.03 0.5 3.16 0.6 3.19 0.5 3.30 0.7
December 3.39 0.5 3.43 0.5 3.21 0.5 3.13 0.6 3.48 0.6
Annual Average  3.28  0.5 2.93 0.5 3.09 0.6 3.29 0.6 3.11 0.7

 

  2012 2011 2010 2009 2008
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
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

 

>

  2007 2006 2005 2004 2003
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
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

 

  2002 2001 2000 1999 1998
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
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 

 

  1997 1996 1995 1994 1993
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
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 

 

  1991 1992
  Rate Pts Rate Pts
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

 

 Other Available PMMS® Information:


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