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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

  2014 2013 2012 2011 2010 
  RatePts RatePts RatePts RatePts RatePts 
January 4.43 0.7 3.41 0.7 3.92 0.8 4.76 0.8 5.03 0.7
February 4.30 0.7 3.53 0.8 3.89 0.8 4.95 0.7 4.99 0.7
March 4.34 0.6 3.57 0.8 3.95 0.8 4.84 0.7 4.97 0.7
April 4.34 0.7 3.45 0.8 3.91 0.7 4.84 0.7 5.10 0.7
May 4.19 0.6 3.54 0.7 3.80 0.8 4.64 0.7 4.89 0.7
June 4.16 0.6 4.07 0.8 3.68 0.7 4.51 0.7 4.74 0.7
July 4.13 0.6 4.37 0.8 3.55 0.7 4.55 0.7 4.56 0.7
August 4.12 0.6 4.46 0.7 3.60 0.6 4.27 0.7 4.43 0.7
September 4.16 0.5 4.49 0.7 3.50 0.6 4.11 0.7 4.35 0.7
October 4.04 0.5 4.19 0.7 3.38 0.7 4.07 0.8 4.23 0.8
November 4.00 0.5 4.26 0.7 3.35 0.7 3.99 0.7 4.30 0.8
December     4.46 0.7 3.35 0.7 3.96 0.7 4.71 0.7
Annual Average     3.98 0.7 3.66 0.7 4.45 0.7 4.69 0.7
  2009 2008 2007 2006 2005 
  RatePtsRatePts Rate Pts Rate Pts Rate Pts 
January 5.05 0.7 5.76 0.4 6.22 0.4 6.15 0.5 5.71 0.7
February 5.13 0.7 5.92 0.5 6.29 0.4 6.25 0.6 5.63 0.7
March 5.00 0.7 5.97 0.5 6.16 0.4 6.32 0.6 5.93 0.7
April 4.81 0.7 5.92 0.4 6.18 0.5 6.51 0.6 5.86 0.6
May 4.86 0.7 6.04 0.5 6.26 0.4 6.60 0.5 5.72 0.6
June 5.42 0.7 6.32 0.7 6.66 0.4 6.68 0.5 5.58 0.6
July 5.22 0.7 6.43 0.6 6.70 0.4 6.76 0.5 5.70 0.5
August 5.19 0.7 6.48 0.7 6.57 0.4 6.52 0.4 5.82 0.5
September 5.06 0.7 6.04 0.7 6.38 0.5 6.40 0.5 5.77 0.6
October 4.95 0.7 6.20 0.6 6.38 0.5 6.36 0.4 6.07 0.5
November 4.88 0.7 6.09 0.7 6.21 0.4 6.24 0.5 6.33 0.6
December 4.93 0.7 5.29 0.7 6.10 0.5 6.14 0.4 6.27 0.5
Annual Average 5.04 0.7 6.03 0.6 6.34 0.4 6.41 0.5 5.87 0.6

 

  2004 2003 2002 2001 2000 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 5.71 0.7 5.92 0.6 7.00 0.8 7.03 0.9 8.21 1.0
February 5.64 0.7 5.84 0.6 6.89 0.7 7.05 1.0 8.33 1.0
March 5.45 0.7 5.75 0.6 7.01 0.7 6.95 0.9 8.24 1.0
April 5.83 0.7 5.81 0.6 6.99 0.7 7.08 0.9 8.15 1.0
May 6.27 0.7 5.48 0.6 6.81 0.7 7.15 1.0 8.52 1.0
June 6.29 0.6 5.23 0.6 6.65 0.6 7.16 1.0 8.29 0.9
July 6.06 0.6 5.63 0.5 6.49 0.6 7.13 0.9 8.15 0.9
August 5.87 0.7 6.26 0.7 6.29 0.6 6.95 0.9 8.03 1.0
September 5.75 0.7 6.15 0.6 6.09 0.6 6.82 0.9 7.91 1.0
October 5.72 0.7 5.95 0.6 6.11 0.6 6.62 0.9 7.80 1.0
November 5.73 0.6 5.93 0.6 6.07 0.6 6.66 0.8 7.75 0.9
December 5.75 0.6 5.88 0.7 6.05 0.6 7.07 0.8 7.38 1.0
Annual Average 5.84 0.7 5.83 0.6 6.54 0.6 6.97 0.9 8.05 1.0

 

  1999 1998 1997 1996 1995 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 6.79 0.9 6.99 1.4 7.82 1.8 7.03 1.8 9.15 1.8
February 6.81 1.0 7.04 1.2 7.65 1.7 7.08 1.7 8.83 1.9
March 7.04 0.9 7.13 1.2 7.90 1.8 7.62 1.8 8.46 1.8
April 6.92 1.0 7.14 1.0 8.14 1.7 7.93 1.8 8.32 1.9
May 7.15 1.0 7.14 1.1 7.94 1.7 8.07 1.7 7.96 1.8
June 7.55 1.0 7.00 1.0 7.69 1.7 8.32 1.7 7.57 1.8
July 7.63 1.0 6.95 1.1 7.50 1.8 8.25 1.8 7.61 1.8
August 7.94 1.0 6.92 1.1 7.48 1.7 8.00 1.7 7.86 1.8
September 7.82 1.0 6.72 1.0 7.43 1.7 8.23 1.7 7.64 1.8
October 7.85 1.0 6.71 0.9 7.29 1.7 7.92 1.7 7.48 1.9
November 7.74 1.0 6.87 0.9 7.21 1.7 7.62 1.8 7.38 1.8
December 7.91 1.0 6.74 1.0 7.10 1.8 7.60 1.7 7.20 1.8
Annual Average 7.44 1.0 6.94 1.1 7.6 1.7 7.81 1.7 7.93 1.8

 

  1994 1993 1992 1991 1990 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 7.07 1.7 7.99 1.6 8.43 1.8 9.64 2.1 9.90 2.1
February 7.15 1.8 7.68 1.5 8.76 1.8 9.37 2.0 10.20 2.1
March 7.68 1.7 7.50 1.6 8.94 1.9 9.50 2.1 10.27 2.1
April 8.32 1.8 7.46 1.7 8.85 1.7 9.50 2.0 10.37 2.1
May 8.60 1.8 7.47 1.8 8.67 1.7 9.47 2.0 10.48 2.0
June 8.40 1.8 7.42 1.6 8.51 1.7 9.62 2.1 10.16 2.0
July 8.61 1.8 7.21 1.6 8.13 1.6 9.58 2.0 10.04 2.0
August 8.51 1.8 7.11 1.5 7.98 1.7 9.24 1.9 10.10 2.0
September 8.64 1.8 6.91 1.5 7.92 1.7 9.01 1.9 10.18 2.1
October 8.93 1.8 6.83 1.5 8.09 1.8 8.86 1.9 10.17 2.2
November 9.17 1.8 7.16 1.6 8.31 1.9 8.71 1.8 10.01 2.1
December 9.20 1.8 7.17 1.7 8.21 1.6 8.50 1.8 9.67 1.9
Annual Average 8.38 1.8 7.31 1.6 8.39 1.7 9.25 2.0 10.13 2.1

 

  1989 1988 1987 1986 1985 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 10.73 2.1 10.38 2.0 9.20 2.2 10.89 2.3 13.08 2.5
February 10.65 2.2 9.89 2.1 9.08 2.1 10.71 2.3 12.92 2.4
March 11.03 2.2 9.93 2.0 9.04 2.1 10.08 2.3 13.17 2.6
April 11.05 2.2 10.20 2.1 9.83 2.3 9.94 2.2 13.20 2.6
May 10.77 2.1 10.46 2.1 10.60 2.3 10.15 2.3 12.91 2.5
June 10.20 2.1 10.46 2.0 10.54 2.2 10.69 2.3 12.22 2.5
July 9.88 2.1 10.43 2.0 10.28 2.2 10.51 2.2 12.03 2.5
August 9.99 2.1 10.60 2.2 10.33 2.1 10.20 2.1 12.19 2.6
September 10.13 2.0 10.48 2.1 10.89 2.2 10.01 2.2 12.19 2.6
October 9.95 2.0 10.30 1.9 11.26 2.2 9.98 2.1 12.14 2.5
November 9.77 2.0 10.27 2.1 10.65 2.1 9.70 2.0 11.78 2.4
December 9.74 2.0 10.61 2.1 10.64 2.1 9.32 2.1 11.26 2.3
Annual Average 10.32 2.1 10.34 2.1 10.21 2.2 10.19 2.2 12.43 2.5

 

  1984 1983 1982 1981 1980 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 13.37 2.3 13.25 2.2 17.48 2.2 14.90 2.0 12.88 1.6
February 13.23 2.4 13.04 2.0 17.60 2.2 15.13 2.0 13.04 1.6
March 13.39 2.4 12.80 2.2 17.16 2.2 15.40 2.0 15.28 2.0
April 13.65 2.4 12.78 2.1 16.89 2.3 15.58 2.0 16.32 1.9
May 13.94 2.5 12.63 2.1 16.68 2.3 16.40 2.1 14.26 1.9
June 14.42 2.5 12.87 2.1 16.70 2.2 16.70 2.1 12.71 1.8
July 14.67 2.6 13.43 2.2 16.82 2.2 16.83 2.1 12.19 1.8
August 14.47 2.6 13.81 2.2 16.27 2.3 17.28 2.1 12.56 1.7
September 14.35 2.6 13.73 2.2 15.43 2.3 18.16 2.1 13.20 1.7
October 14.13 2.6 13.54 2.1 14.61 2.2 18.45 2.3 13.79 1.7
November 13.64 2.5 13.44 2.1 13.82 2.2 17.82 2.1 14.21 1.7
December 13.18 2.5 13.42 2.2 13.62 2.2 16.95 2.1 14.79 1.7
Annual Average 13.88 2.5 13.24 2.1 16.04 2.2 16.63 2.1 13.74 1.8

 

  1979 1978 1977 1976 1975 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 10.39 1.5 9.01 1.3 8.72 1.1 9.02 1.1 9.43 1.2
February 10.41 1.5 9.14 1.3 8.67 1.1 8.81 1.0 9.10 1.2
March 10.43 1.5 9.20 1.3 8.69 1.2 8.76 1.3 8.89 1.1
April 10.50 1.5 9.35 1.3 8.75 1.1 8.73 1.3 8.82 1.0
May 10.69 1.6 9.57 1.3 8.83 1.1 8.76 1.3 8.91 1.1
June 11.04 1.6 9.71 1.4 8.86 1.1 8.85 1.3 8.89 1.0
July 11.09 1.7 9.74 1.4 8.94 1.1 8.93 1.2 8.89 1.1
August 11.09 1.7 9.78 1.3 8.94 1.1 9.00 1.2 8.94 1.1
September 11.30 1.6 9.76 1.3 8.90 1.1 8.98 1.2 9.12 1.1
October 11.64 1.7 9.86 1.2 8.92 1.2 8.92 1.2 9.22 1.1
November 12.83 1.7 10.11 1.2 8.92 1.1 8.81 1.3 9.15 1.1
December 12.90 1.6 10.35 1.4 8.96 1.2 8.79 1.2 9.10 1.1
Annual Average 11.20 1.6 9.64 1.3 8.85 1.1 8.87 1.2 9.05 1.1

 

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

Other Available PMMS® Information:

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