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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

  2016 2015 2014 2013 2012 
  RatePts RatePts RatePts RatePts RatePts 
January 3.87 0.6 3.67 0.6 4.43 0.7 3.41 0.7 3.92 0.8
February 3.66 0.6 3.71 0.6 4.30 0.7 3.53 0.8 3.89 0.8
March 3.69 0.5 3.77 0.6 4.34 0.6 3.57 0.8 3.95 0.8
April     3.67 0.6 4.34 0.7 3.45 0.8 3.91 0.7
May     3.84 0.6 4.19 0.6 3.54 0.7 3.80 0.8
June     3.98 0.7 4.16 0.6 4.07 0.8 3.68 0.7
July     4.05 0.6 4.13 0.6 4.37 0.8 3.55 0.7
August     3.91 0.6 4.12 0.6 4.46 0.7 3.60 0.6
September     3.89 0.6 4.16 0.5 4.49 0.7 3.50 0.6
October     3.80 0.6 4.04 0.5 4.19 0.7 3.38 0.7
November     3.94 0.6 4.00 0.5 4.26 0.7 3.35 0.7
December     3.96 0.6 3.86 0.6 4.46 0.7 3.35 0.7
Annual Average     3.85 0.6 4.17 0.6 3.98 0.7 3.66 0.7

 

  2011 20102009 2008 2007 
  RatePts RatePtsRatePts Rate Pts Rate Pts 
January 4.76 0.8 5.03 0.7 5.05 0.7 5.76 0.4 6.22 0.4
February 4.95 0.7 4.99 0.7 5.13 0.7 5.92 0.5 6.29 0.4
March 4.84 0.7 4.97 0.7 5.00 0.7 5.97 0.5 6.16 0.4
April 4.84 0.7 5.10 0.7 4.81 0.7 5.92 0.4 6.18 0.5
May 4.64 0.7 4.89 0.7 4.86 0.7 6.04 0.5 6.26 0.4
June 4.51 0.7 4.74 0.7 5.42 0.7 6.32 0.7 6.66 0.4
July 4.55 0.7 4.56 0.7 5.22 0.7 6.43 0.6 6.70 0.4
August 4.27 0.7 4.43 0.7 5.19 0.7 6.48 0.7 6.57 0.4
September 4.11 0.7 4.35 0.7 5.06 0.7 6.04 0.7 6.38 0.5
October 4.07 0.8 4.23 0.8 4.95 0.7 6.20 0.6 6.38 0.5
November 3.99 0.7 4.30 0.8 4.88 0.7 6.09 0.7 6.21 0.4
December 3.96 0.7 4.71 0.7 4.93 0.7 5.29 0.7 6.10 0.5
Annual Average 4.45 0.7 4.69 0.7 5.04 0.7 6.03 0.6 6.34 0.4

 

  2006 20052004 2003 2002 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 6.15 0.5 5.71 0.7 5.71 0.7 5.92 0.6 7.00 0.8
February 6.25 0.6 5.63 0.7 5.64 0.7 5.84 0.6 6.89 0.7
March 6.32 0.6 5.93 0.7 5.45 0.7 5.75 0.6 7.01 0.7
April 6.51 0.6 5.86 0.6 5.83 0.7 5.81 0.6 6.99 0.7
May 6.60 0.5 5.72 0.6 6.27 0.7 5.48 0.6 6.81 0.7
June 6.68 0.5 5.58 0.6 6.29 0.6 5.23 0.6 6.65 0.6
July 6.76 0.5 5.70 0.5 6.06 0.6 5.63 0.5 6.49 0.6
August 6.52 0.4 5.82 0.5 5.87 0.7 6.26 0.7 6.29 0.6
September 6.40 0.5 5.77 0.6 5.75 0.7 6.15 0.6 6.09 0.6
October 6.36 0.4 6.07 0.5 5.72 0.7 5.95 0.6 6.11 0.6
November 6.24 0.5 6.33 0.6 5.73 0.6 5.93 0.6 6.07 0.6
December 6.14 0.4 6.27 0.5 5.75 0.6 5.88 0.7 6.05 0.6
Annual Average 6.41 0.5 5.87 0.6 5.84 0.7 5.83 0.6 6.54 0.6

 

  2001 20001999 1998 1997 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 7.03 0.9 8.21 1.0 6.79 0.9 6.99 1.4 7.82 1.8
February 7.05 1.0 8.33 1.0 6.81 1.0 7.04 1.2 7.65 1.7
March 6.95 0.9 8.24 1.0 7.04 0.9 7.13 1.2 7.90 1.8
April 7.08 0.9 8.15 1.0 6.92 1.0 7.14 1.0 8.14 1.7
May 7.15 1.0 8.52 1.0 7.15 1.0 7.14 1.1 7.94 1.7
June 7.16 1.0 8.29 0.9 7.55 1.0 7.00 1.0 7.69 1.7
July 7.13 0.9 8.15 0.9 7.63 1.0 6.95 1.1 7.50 1.8
August 6.95 0.9 8.03 1.0 7.94 1.0 6.92 1.1 7.48 1.7
September 6.82 0.9 7.91 1.0 7.82 1.0 6.72 1.0 7.43 1.7
October 6.62 0.9 7.80 1.0 7.85 1.0 6.71 0.9 7.29 1.7
November 6.66 0.8 7.75 0.9 7.74 1.0 6.87 0.9 7.21 1.7
December 7.07 0.8 7.38 1.0 7.91 1.0 6.74 1.0 7.10 1.8
Annual Average 6.97 0.9 8.05 1.0 7.44 1.0 6.94 1.1 7.6 1.7

 

  1996 1995 1994 1993 1992 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 7.03 1.8 9.15 1.8 7.07 1.7 7.99 1.6 8.43 1.8
February 7.08 1.7 8.83 1.9 7.15 1.8 7.68 1.5 8.76 1.8
March 7.62 1.8 8.46 1.8 7.68 1.7 7.50 1.6 8.94 1.9
April 7.93 1.8 8.32 1.9 8.32 1.8 7.46 1.7 8.85 1.7
May 8.07 1.7 7.96 1.8 8.60 1.8 7.47 1.8 8.67 1.7
June 8.32 1.7 7.57 1.8 8.40 1.8 7.42 1.6 8.51 1.7
July 8.25 1.8 7.61 1.8 8.61 1.8 7.21 1.6 8.13 1.6
August 8.00 1.7 7.86 1.8 8.51 1.8 7.11 1.5 7.98 1.7
September 8.23 1.7 7.64 1.8 8.64 1.8 6.91 1.5 7.92 1.7
October 7.92 1.7 7.48 1.9 8.93 1.8 6.83 1.5 8.09 1.8
November 7.62 1.8 7.38 1.8 9.17 1.8 7.16 1.6 8.31 1.9
December 7.60 1.7 7.20 1.8 9.20 1.8 7.17 1.7 8.21 1.6
Annual Average 7.81 1.7 7.93 1.8 8.38 1.8 7.31 1.6 8.39 1.7

 

  1991 19901989 1988 1987 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 9.64 2.1 9.90 2.1 10.73 2.1 10.38 2.0 9.20 2.2
February 9.37 2.0 10.20 2.1 10.65 2.2 9.89 2.1 9.08 2.1
March 9.50 2.1 10.27 2.1 11.03 2.2 9.93 2.0 9.04 2.1
April 9.50 2.0 10.37 2.1 11.05 2.2 10.20 2.1 9.83 2.3
May 9.47 2.0 10.48 2.0 10.77 2.1 10.46 2.1 10.60 2.3
June 9.62 2.1 10.16 2.0 10.20 2.1 10.46 2.0 10.54 2.2
July 9.58 2.0 10.04 2.0 9.88 2.1 10.43 2.0 10.28 2.2
August 9.24 1.9 10.10 2.0 9.99 2.1 10.60 2.2 10.33 2.1
September 9.01 1.9 10.18 2.1 10.13 2.0 10.48 2.1 10.89 2.2
October 8.86 1.9 10.17 2.2 9.95 2.0 10.30 1.9 11.26 2.2
November 8.71 1.8 10.01 2.1 9.77 2.0 10.27 2.1 10.65 2.1
December 8.50 1.8 9.67 1.9 9.74 2.0 10.61 2.1 10.64 2.1
Annual Average 9.25 2.0 10.13 2.1 10.32 2.1 10.34 2.1 10.21 2.2

 

  1986 19851984 1983 1982 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 10.89 2.3 13.08 2.5 13.37 2.3 13.25 2.2 17.48 2.2
February 10.71 2.3 12.92 2.4 13.23 2.4 13.04 2.0 17.60 2.2
March 10.08 2.3 13.17 2.6 13.39 2.4 12.80 2.2 17.16 2.2
April 9.94 2.2 13.20 2.6 13.65 2.4 12.78 2.1 16.89 2.3
May 10.15 2.3 12.91 2.5 13.94 2.5 12.63 2.1 16.68 2.3
June 10.69 2.3 12.22 2.5 14.42 2.5 12.87 2.1 16.70 2.2
July 10.51 2.2 12.03 2.5 14.67 2.6 13.43 2.2 16.82 2.2
August 10.20 2.1 12.19 2.6 14.47 2.6 13.81 2.2 16.27 2.3
September 10.01 2.2 12.19 2.6 14.35 2.6 13.73 2.2 15.43 2.3
October 9.98 2.1 12.14 2.5 14.13 2.6 13.54 2.1 14.61 2.2
November 9.70 2.0 11.78 2.4 13.64 2.5 13.44 2.1 13.82 2.2
December 9.32 2.1 11.26 2.3 13.18 2.5 13.42 2.2 13.62 2.2
Annual Average 10.19 2.2 12.43 2.5 13.88 2.5 13.24 2.1 16.04 2.2

 

  1981 19801979 1978 1977 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 14.90 2.0 12.88 1.6 10.39 1.5 9.01 1.3 8.72 1.1
February 15.13 2.0 13.04 1.6 10.41 1.5 9.14 1.3 8.67 1.1
March 15.40 2.0 15.28 2.0 10.43 1.5 9.20 1.3 8.69 1.2
April 15.58 2.0 16.32 1.9 10.50 1.5 9.35 1.3 8.75 1.1
May 16.40 2.1 14.26 1.9 10.69 1.6 9.57 1.3 8.83 1.1
June 16.70 2.1 12.71 1.8 11.04 1.6 9.71 1.4 8.86 1.1
July 16.83 2.1 12.19 1.8 11.09 1.7 9.74 1.4 8.94 1.1
August 17.28 2.1 12.56 1.7 11.09 1.7 9.78 1.3 8.94 1.1
September 18.16 2.1 13.20 1.7 11.30 1.6 9.76 1.3 8.90 1.1
October 18.45 2.3 13.79 1.7 11.64 1.7 9.86 1.2 8.92 1.2
November 17.82 2.1 14.21 1.7 12.83 1.7 10.11 1.2 8.92 1.1
December 16.95 2.1 14.79 1.7 12.90 1.6 10.35 1.4 8.96 1.2
Annual Average 16.63 2.1 13.74 1.8 11.20 1.6 9.64 1.3 8.85 1.1

 

 1976 19751974 1973 1972 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 9.02 1.1 9.43 1.2 8.54 1.0 7.44 0.9 7.44 1.0
February 8.81 1.0 9.10 1.2 8.46 1.0 7.44 1.0 7.32 0.9
March 8.76 1.3 8.89 1.1 8.41 1.0 7.46 0.9 7.29 0.9
April 8.73 1.3 8.82 1.0 8.58 1.0 7.54 0.9 7.29 0.9
May 8.76 1.3 8.91 1.1 8.97 1.1 7.65 0.9 7.37 0.9
June 8.85 1.3 8.89 1.0 9.09 1.2 7.73 0.9 7.37 0.9
July 8.93 1.2 8.89 1.1 9.28 1.3 8.05 1.0 7.40 0.9
August 9.00 1.2 8.94 1.1 9.59 1.3 8.50 1.0 7.40 0.9
September 8.98 1.2 9.12 1.1 9.96 1.4 8.82 1.1 7.42 1.0
October 8.92 1.2 9.22 1.1 9.98 1.5 8.77 1.1 7.42 1.0
November 8.81 1.3 9.15 1.1 9.79 1.4 8.58 1.0 7.43 1.0
December 8.79 1.2 9.10 1.1 9.62 1.3 8.54 1.0 7.44 1.0
Annual Average 8.87 1.2 9.05 1.1 9.19 1.2 8.04 1.0 7.38 0.9

 

 1971 
  Rate Pts 
January na na
February na na
March na na
April 7.31 na
May 7.43 na
June 7.53 na
July 7.60 na
August 7.70 na
September 7.69 na
October 7.63 na
November 7.55 na
December 7.48 na
Annual Average na na

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