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30-Year Fixed-Rate Mortgages Since 1971

Contact: corprel@freddiemac.com
or (703) 903-3933


 

Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971

  2015  2014  2013  2012  2011 
  RatePts RatePts RatePts RatePts RatePts 
January 3.67 0.6 4.43 0.7 3.41 0.7 3.92 0.8 4.76 0.8
February     4.30 0.7 3.53 0.8 3.89 0.8 4.95 0.7
March     4.34 0.6 3.57 0.8 3.95 0.8 4.84 0.7
April     4.34 0.7 3.45 0.8 3.91 0.7 4.84 0.7
May     4.19 0.6 3.54 0.7 3.80 0.8 4.64 0.7
June     4.16 0.6 4.07 0.8 3.68 0.7 4.51 0.7
July     4.13 0.6 4.37 0.8 3.55 0.7 4.55 0.7
August     4.12 0.6 4.46 0.7 3.60 0.6 4.27 0.7
September     4.16 0.5 4.49 0.7 3.50 0.6 4.11 0.7
October     4.04 0.5 4.19 0.7 3.38 0.7 4.07 0.8
November     4.00 0.5 4.26 0.7 3.35 0.7 3.99 0.7
December     3.86 0.6 4.46 0.7 3.35 0.7 3.96 0.7
Annual Average     4.17 0.6 3.98 0.7 3.66 0.7 4.45 0.7
  2010 2009  2008  2007  2006 
  RatePtsRatePts Rate Pts Rate Pts Rate Pts 
January 5.03 0.7 5.05 0.7 5.76 0.4 6.22 0.4 6.15 0.5
February 4.99 0.7 5.13 0.7 5.92 0.5 6.29 0.4 6.25 0.6
March 4.97 0.7 5.00 0.7 5.97 0.5 6.16 0.4 6.32 0.6
April 5.10 0.7 4.81 0.7 5.92 0.4 6.18 0.5 6.51 0.6
May 4.89 0.7 4.86 0.7 6.04 0.5 6.26 0.4 6.60 0.5
June 4.74 0.7 5.42 0.7 6.32 0.7 6.66 0.4 6.68 0.5
July 4.56 0.7 5.22 0.7 6.43 0.6 6.70 0.4 6.76 0.5
August 4.43 0.7 5.19 0.7 6.48 0.7 6.57 0.4 6.52 0.4
September 4.35 0.7 5.06 0.7 6.04 0.7 6.38 0.5 6.40 0.5
October 4.23 0.8 4.95 0.7 6.20 0.6 6.38 0.5 6.36 0.4
November 4.30 0.8 4.88 0.7 6.09 0.7 6.21 0.4 6.24 0.5
December 4.71 0.7 4.93 0.7 5.29 0.7 6.10 0.5 6.14 0.4
Annual Average 4.69 0.7 5.04 0.7 6.03 0.6 6.34 0.4 6.41 0.5

 

  2005 2004  2003  2002  2001 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 5.71 0.7 5.71 0.7 5.92 0.6 7.00 0.8 7.03 0.9
February 5.63 0.7 5.64 0.7 5.84 0.6 6.89 0.7 7.05 1.0
March 5.93 0.7 5.45 0.7 5.75 0.6 7.01 0.7 6.95 0.9
April 5.86 0.6 5.83 0.7 5.81 0.6 6.99 0.7 7.08 0.9
May 5.72 0.6 6.27 0.7 5.48 0.6 6.81 0.7 7.15 1.0
June 5.58 0.6 6.29 0.6 5.23 0.6 6.65 0.6 7.16 1.0
July 5.70 0.5 6.06 0.6 5.63 0.5 6.49 0.6 7.13 0.9
August 5.82 0.5 5.87 0.7 6.26 0.7 6.29 0.6 6.95 0.9
September 5.77 0.6 5.75 0.7 6.15 0.6 6.09 0.6 6.82 0.9
October 6.07 0.5 5.72 0.7 5.95 0.6 6.11 0.6 6.62 0.9
November 6.33 0.6 5.73 0.6 5.93 0.6 6.07 0.6 6.66 0.8
December 6.27 0.5 5.75 0.6 5.88 0.7 6.05 0.6 7.07 0.8
Annual Average 5.87 0.6 5.84 0.7 5.83 0.6 6.54 0.6 6.97 0.9

 

  2000 1999  1998  1997  1996 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 8.21 1.0 6.79 0.9 6.99 1.4 7.82 1.8 7.03 1.8
February 8.33 1.0 6.81 1.0 7.04 1.2 7.65 1.7 7.08 1.7
March 8.24 1.0 7.04 0.9 7.13 1.2 7.90 1.8 7.62 1.8
April 8.15 1.0 6.92 1.0 7.14 1.0 8.14 1.7 7.93 1.8
May 8.52 1.0 7.15 1.0 7.14 1.1 7.94 1.7 8.07 1.7
June 8.29 0.9 7.55 1.0 7.00 1.0 7.69 1.7 8.32 1.7
July 8.15 0.9 7.63 1.0 6.95 1.1 7.50 1.8 8.25 1.8
August 8.03 1.0 7.94 1.0 6.92 1.1 7.48 1.7 8.00 1.7
September 7.91 1.0 7.82 1.0 6.72 1.0 7.43 1.7 8.23 1.7
October 7.80 1.0 7.85 1.0 6.71 0.9 7.29 1.7 7.92 1.7
November 7.75 0.9 7.74 1.0 6.87 0.9 7.21 1.7 7.62 1.8
December 7.38 1.0 7.91 1.0 6.74 1.0 7.10 1.8 7.60 1.7
Annual Average 8.05 1.0 7.44 1.0 6.94 1.1 7.6 1.7 7.81 1.7

 

  1995  1994  1993  1992  1991 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 9.15 1.8 7.07 1.7 7.99 1.6 8.43 1.8 9.64 2.1
February 8.83 1.9 7.15 1.8 7.68 1.5 8.76 1.8 9.37 2.0
March 8.46 1.8 7.68 1.7 7.50 1.6 8.94 1.9 9.50 2.1
April 8.32 1.9 8.32 1.8 7.46 1.7 8.85 1.7 9.50 2.0
May 7.96 1.8 8.60 1.8 7.47 1.8 8.67 1.7 9.47 2.0
June 7.57 1.8 8.40 1.8 7.42 1.6 8.51 1.7 9.62 2.1
July 7.61 1.8 8.61 1.8 7.21 1.6 8.13 1.6 9.58 2.0
August 7.86 1.8 8.51 1.8 7.11 1.5 7.98 1.7 9.24 1.9
September 7.64 1.8 8.64 1.8 6.91 1.5 7.92 1.7 9.01 1.9
October 7.48 1.9 8.93 1.8 6.83 1.5 8.09 1.8 8.86 1.9
November 7.38 1.8 9.17 1.8 7.16 1.6 8.31 1.9 8.71 1.8
December 7.20 1.8 9.20 1.8 7.17 1.7 8.21 1.6 8.50 1.8
Annual Average 7.93 1.8 8.38 1.8 7.31 1.6 8.39 1.7 9.25 2.0

 

  1990 1989  1988  1987  1986 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 9.90 2.1 10.73 2.1 10.38 2.0 9.20 2.2 10.89 2.3
February 10.20 2.1 10.65 2.2 9.89 2.1 9.08 2.1 10.71 2.3
March 10.27 2.1 11.03 2.2 9.93 2.0 9.04 2.1 10.08 2.3
April 10.37 2.1 11.05 2.2 10.20 2.1 9.83 2.3 9.94 2.2
May 10.48 2.0 10.77 2.1 10.46 2.1 10.60 2.3 10.15 2.3
June 10.16 2.0 10.20 2.1 10.46 2.0 10.54 2.2 10.69 2.3
July 10.04 2.0 9.88 2.1 10.43 2.0 10.28 2.2 10.51 2.2
August 10.10 2.0 9.99 2.1 10.60 2.2 10.33 2.1 10.20 2.1
September 10.18 2.1 10.13 2.0 10.48 2.1 10.89 2.2 10.01 2.2
October 10.17 2.2 9.95 2.0 10.30 1.9 11.26 2.2 9.98 2.1
November 10.01 2.1 9.77 2.0 10.27 2.1 10.65 2.1 9.70 2.0
December 9.67 1.9 9.74 2.0 10.61 2.1 10.64 2.1 9.32 2.1
Annual Average 10.13 2.1 10.32 2.1 10.34 2.1 10.21 2.2 10.19 2.2

 

  1985 1984  1983  1982  1981 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 13.08 2.5 13.37 2.3 13.25 2.2 17.48 2.2 14.90 2.0
February 12.92 2.4 13.23 2.4 13.04 2.0 17.60 2.2 15.13 2.0
March 13.17 2.6 13.39 2.4 12.80 2.2 17.16 2.2 15.40 2.0
April 13.20 2.6 13.65 2.4 12.78 2.1 16.89 2.3 15.58 2.0
May 12.91 2.5 13.94 2.5 12.63 2.1 16.68 2.3 16.40 2.1
June 12.22 2.5 14.42 2.5 12.87 2.1 16.70 2.2 16.70 2.1
July 12.03 2.5 14.67 2.6 13.43 2.2 16.82 2.2 16.83 2.1
August 12.19 2.6 14.47 2.6 13.81 2.2 16.27 2.3 17.28 2.1
September 12.19 2.6 14.35 2.6 13.73 2.2 15.43 2.3 18.16 2.1
October 12.14 2.5 14.13 2.6 13.54 2.1 14.61 2.2 18.45 2.3
November 11.78 2.4 13.64 2.5 13.44 2.1 13.82 2.2 17.82 2.1
December 11.26 2.3 13.18 2.5 13.42 2.2 13.62 2.2 16.95 2.1
Annual Average 12.43 2.5 13.88 2.5 13.24 2.1 16.04 2.2 16.63 2.1

 

  1980 1979  1978  1977  1976 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 12.88 1.6 10.39 1.5 9.01 1.3 8.72 1.1 9.02 1.1
February 13.04 1.6 10.41 1.5 9.14 1.3 8.67 1.1 8.81 1.0
March 15.28 2.0 10.43 1.5 9.20 1.3 8.69 1.2 8.76 1.3
April 16.32 1.9 10.50 1.5 9.35 1.3 8.75 1.1 8.73 1.3
May 14.26 1.9 10.69 1.6 9.57 1.3 8.83 1.1 8.76 1.3
June 12.71 1.8 11.04 1.6 9.71 1.4 8.86 1.1 8.85 1.3
July 12.19 1.8 11.09 1.7 9.74 1.4 8.94 1.1 8.93 1.2
August 12.56 1.7 11.09 1.7 9.78 1.3 8.94 1.1 9.00 1.2
September 13.20 1.7 11.30 1.6 9.76 1.3 8.90 1.1 8.98 1.2
October 13.79 1.7 11.64 1.7 9.86 1.2 8.92 1.2 8.92 1.2
November 14.21 1.7 12.83 1.7 10.11 1.2 8.92 1.1 8.81 1.3
December 14.79 1.7 12.90 1.6 10.35 1.4 8.96 1.2 8.79 1.2
Annual Average 13.74 1.8 11.20 1.6 9.64 1.3 8.85 1.1 8.87 1.2

 

  1975 1974  1973  1972  1971 
  Rate Pts  Rate  Pts  Rate  Pts  Rate  Pts  Rate  Pts 
January 9.43 1.2 8.54 1.0 7.44 0.9 7.44 1.0 na na
February 9.10 1.2 8.46 1.0 7.44 1.0 7.32 0.9 na na
March 8.89 1.1 8.41 1.0 7.46 0.9 7.29 0.9 na na
April 8.82 1.0 8.58 1.0 7.54 0.9 7.29 0.9 7.31 na
May 8.91 1.1 8.97 1.1 7.65 0.9 7.37 0.9 7.43 na
June 8.89 1.0 9.09 1.2 7.73 0.9 7.37 0.9 7.53 na
July 8.89 1.1 9.28 1.3 8.05 1.0 7.40 0.9 7.60 na
August 8.94 1.1 9.59 1.3 8.50 1.0 7.40 0.9 7.70 na
September 9.12 1.1 9.96 1.4 8.82 1.1 7.42 1.0 7.69 na
October 9.22 1.1 9.98 1.5 8.77 1.1 7.42 1.0 7.63 na
November 9.15 1.1 9.79 1.4 8.58 1.0 7.43 1.0 7.55 na
December 9.10 1.1 9.62 1.3 8.54 1.0 7.44 1.0 7.48 na
Annual Average 9.05 1.1 9.19 1.2 8.04 1.0 7.38 0.9 na na

Other Available PMMS® Information:

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