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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

  2017 2016 2015 2014 2013 
  RatePts RatePts RatePts RatePts RatePts 
January 4.15 0.5 3.87 0.6 3.67 0.6 4.43 0.7 3.41 0.7
February 4.17 0.5 3.66 0.6 3.71 0.6 4.30 0.7 3.53 0.8
March     3.69 0.5 3.77 0.6 4.34 0.6 3.57 0.8
April     3.61 0.6 3.67 0.6 4.34 0.7 3.45 0.8
May     3.60 0.6 3.84 0.6 4.19 0.6 3.54 0.7
June     3.57 0.5 3.98 0.7 4.16 0.6 4.07 0.8
July     3.44 0.5 4.05 0.6 4.13 0.6 4.37 0.8
August     3.44 0.5 3.91 0.6 4.12 0.6 4.46 0.7
September     3.46 0.5 3.89 0.6 4.16 0.5 4.49 0.7
October     3.47 0.6 3.80 0.6 4.04 0.5 4.19 0.7
November     3.77 0.5 3.94 0.6 4.00 0.5 4.26 0.7
December     4.20 0.5  3.96 0.6 3.86 0.6 4.46 0.7
Annual Average     3.65 0.5 3.85 0.6 4.17 0.6 3.98 0.7

 

  2012 2011 20102009 2008 
  RatePts RatePts RatePtsRatePts Rate Pts 
January 3.92 0.8 4.76 0.8 5.03 0.7 5.05 0.7 5.76 0.4
February 3.89 0.8 4.95 0.7 4.99 0.7 5.13 0.7 5.92 0.5
March 3.95 0.8 4.84 0.7 4.97 0.7 5.00 0.7 5.97 0.5
April 3.91 0.7 4.84 0.7 5.10 0.7 4.81 0.7 5.92 0.4
May 3.80 0.8 4.64 0.7 4.89 0.7 4.86 0.7 6.04 0.5
June 3.68 0.7 4.51 0.7 4.74 0.7 5.42 0.7 6.32 0.7
July 3.55 0.7 4.55 0.7 4.56 0.7 5.22 0.7 6.43 0.6
August 3.60 0.6 4.27 0.7 4.43 0.7 5.19 0.7 6.48 0.7
September 3.50 0.6 4.11 0.7 4.35 0.7 5.06 0.7 6.04 0.7
October 3.38 0.7 4.07 0.8 4.23 0.8 4.95 0.7 6.20 0.6
November 3.35 0.7 3.99 0.7 4.30 0.8 4.88 0.7 6.09 0.7
December 3.35 0.7 3.96 0.7 4.71 0.7 4.93 0.7 5.29 0.7
Annual Average 3.66 0.7 4.45 0.7 4.69 0.7 5.04 0.7 6.03 0.6

 

  2007 2006 20052004 2003 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 6.22 0.4 6.15 0.5 5.71 0.7 5.71 0.7 5.92 0.6
February 6.29 0.4 6.25 0.6 5.63 0.7 5.64 0.7 5.84 0.6
March 6.16 0.4 6.32 0.6 5.93 0.7 5.45 0.7 5.75 0.6
April 6.18 0.5 6.51 0.6 5.86 0.6 5.83 0.7 5.81 0.6
May 6.26 0.4 6.60 0.5 5.72 0.6 6.27 0.7 5.48 0.6
June 6.66 0.4 6.68 0.5 5.58 0.6 6.29 0.6 5.23 0.6
July 6.70 0.4 6.76 0.5 5.70 0.5 6.06 0.6 5.63 0.5
August 6.57 0.4 6.52 0.4 5.82 0.5 5.87 0.7 6.26 0.7
September 6.38 0.5 6.40 0.5 5.77 0.6 5.75 0.7 6.15 0.6
October 6.38 0.5 6.36 0.4 6.07 0.5 5.72 0.7 5.95 0.6
November 6.21 0.4 6.24 0.5 6.33 0.6 5.73 0.6 5.93 0.6
December 6.10 0.5 6.14 0.4 6.27 0.5 5.75 0.6 5.88 0.7
Annual Average 6.34 0.4 6.41 0.5 5.87 0.6 5.84 0.7 5.83 0.6

 

  2002 2001 20001999 1998 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 7.00 0.8 7.03 0.9 8.21 1.0 6.79 0.9 6.99 1.4
February 6.89 0.7 7.05 1.0 8.33 1.0 6.81 1.0 7.04 1.2
March 7.01 0.7 6.95 0.9 8.24 1.0 7.04 0.9 7.13 1.2
April 6.99 0.7 7.08 0.9 8.15 1.0 6.92 1.0 7.14 1.0
May 6.81 0.7 7.15 1.0 8.52 1.0 7.15 1.0 7.14 1.1
June 6.65 0.6 7.16 1.0 8.29 0.9 7.55 1.0 7.00 1.0
July 6.49 0.6 7.13 0.9 8.15 0.9 7.63 1.0 6.95 1.1
August 6.29 0.6 6.95 0.9 8.03 1.0 7.94 1.0 6.92 1.1
September 6.09 0.6 6.82 0.9 7.91 1.0 7.82 1.0 6.72 1.0
October 6.11 0.6 6.62 0.9 7.80 1.0 7.85 1.0 6.71 0.9
November 6.07 0.6 6.66 0.8 7.75 0.9 7.74 1.0 6.87 0.9
December 6.05 0.6 7.07 0.8 7.38 1.0 7.91 1.0 6.74 1.0
Annual Average 6.54 0.6 6.97 0.9 8.05 1.0 7.44 1.0 6.94 1.1

 

  1997 1996 1995 1994 1993 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 7.82 1.8 7.03 1.8 9.15 1.8 7.07 1.7 7.99 1.6
February 7.65 1.7 7.08 1.7 8.83 1.9 7.15 1.8 7.68 1.5
March 7.90 1.8 7.62 1.8 8.46 1.8 7.68 1.7 7.50 1.6
April 8.14 1.7 7.93 1.8 8.32 1.9 8.32 1.8 7.46 1.7
May 7.94 1.7 8.07 1.7 7.96 1.8 8.60 1.8 7.47 1.8
June 7.69 1.7 8.32 1.7 7.57 1.8 8.40 1.8 7.42 1.6
July 7.50 1.8 8.25 1.8 7.61 1.8 8.61 1.8 7.21 1.6
August 7.48 1.7 8.00 1.7 7.86 1.8 8.51 1.8 7.11 1.5
September 7.43 1.7 8.23 1.7 7.64 1.8 8.64 1.8 6.91 1.5
October 7.29 1.7 7.92 1.7 7.48 1.9 8.93 1.8 6.83 1.5
November 7.21 1.7 7.62 1.8 7.38 1.8 9.17 1.8 7.16 1.6
December 7.10 1.8 7.60 1.7 7.20 1.8 9.20 1.8 7.17 1.7
Annual Average 7.6 1.7 7.81 1.7 7.93 1.8 8.38 1.8 7.31 1.6

 

  1992 1991 19901989 1988 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 8.43 1.8 9.64 2.1 9.90 2.1 10.73 2.1 10.38 2.0
February 8.76 1.8 9.37 2.0 10.20 2.1 10.65 2.2 9.89 2.1
March 8.94 1.9 9.50 2.1 10.27 2.1 11.03 2.2 9.93 2.0
April 8.85 1.7 9.50 2.0 10.37 2.1 11.05 2.2 10.20 2.1
May 8.67 1.7 9.47 2.0 10.48 2.0 10.77 2.1 10.46 2.1
June 8.51 1.7 9.62 2.1 10.16 2.0 10.20 2.1 10.46 2.0
July 8.13 1.6 9.58 2.0 10.04 2.0 9.88 2.1 10.43 2.0
August 7.98 1.7 9.24 1.9 10.10 2.0 9.99 2.1 10.60 2.2
September 7.92 1.7 9.01 1.9 10.18 2.1 10.13 2.0 10.48 2.1
October 8.09 1.8 8.86 1.9 10.17 2.2 9.95 2.0 10.30 1.9
November 8.31 1.9 8.71 1.8 10.01 2.1 9.77 2.0 10.27 2.1
December 8.21 1.6 8.50 1.8 9.67 1.9 9.74 2.0 10.61 2.1
Annual Average 8.39 1.7 9.25 2.0 10.13 2.1 10.32 2.1 10.34 2.1

 

  1987 1986 19851984 1983 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 9.20 2.2 10.89 2.3 13.08 2.5 13.37 2.3 13.25 2.2
February 9.08 2.1 10.71 2.3 12.92 2.4 13.23 2.4 13.04 2.0
March 9.04 2.1 10.08 2.3 13.17 2.6 13.39 2.4 12.80 2.2
April 9.83 2.3 9.94 2.2 13.20 2.6 13.65 2.4 12.78 2.1
May 10.60 2.3 10.15 2.3 12.91 2.5 13.94 2.5 12.63 2.1
June 10.54 2.2 10.69 2.3 12.22 2.5 14.42 2.5 12.87 2.1
July 10.28 2.2 10.51 2.2 12.03 2.5 14.67 2.6 13.43 2.2
August 10.33 2.1 10.20 2.1 12.19 2.6 14.47 2.6 13.81 2.2
September 10.89 2.2 10.01 2.2 12.19 2.6 14.35 2.6 13.73 2.2
October 11.26 2.2 9.98 2.1 12.14 2.5 14.13 2.6 13.54 2.1
November 10.65 2.1 9.70 2.0 11.78 2.4 13.64 2.5 13.44 2.1
December 10.64 2.1 9.32 2.1 11.26 2.3 13.18 2.5 13.42 2.2
Annual Average 10.21 2.2 10.19 2.2 12.43 2.5 13.88 2.5 13.24 2.1

 

  1982 1981 19801979 1978 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 17.48 2.2 14.90 2.0 12.88 1.6 10.39 1.5 9.01 1.3
February 17.60 2.2 15.13 2.0 13.04 1.6 10.41 1.5 9.14 1.3
March 17.16 2.2 15.40 2.0 15.28 2.0 10.43 1.5 9.20 1.3
April 16.89 2.3 15.58 2.0 16.32 1.9 10.50 1.5 9.35 1.3
May 16.68 2.3 16.40 2.1 14.26 1.9 10.69 1.6 9.57 1.3
June 16.70 2.2 16.70 2.1 12.71 1.8 11.04 1.6 9.71 1.4
July 16.82 2.2 16.83 2.1 12.19 1.8 11.09 1.7 9.74 1.4
August 16.27 2.3 17.28 2.1 12.56 1.7 11.09 1.7 9.78 1.3
September 15.43 2.3 18.16 2.1 13.20 1.7 11.30 1.6 9.76 1.3
October 14.61 2.2 18.45 2.3 13.79 1.7 11.64 1.7 9.86 1.2
November 13.82 2.2 17.82 2.1 14.21 1.7 12.83 1.7 10.11 1.2
December 13.62 2.2 16.95 2.1 14.79 1.7 12.90 1.6 10.35 1.4
Annual Average 16.04 2.2 16.63 2.1 13.74 1.8 11.20 1.6 9.64 1.3

 

 1977 1976 19751974 1973 
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts 
January 8.72 1.1 9.02 1.1 9.43 1.2 8.54 1.0 7.44 0.9
February 8.67 1.1 8.81 1.0 9.10 1.2 8.46 1.0 7.44 1.0
March 8.69 1.2 8.76 1.3 8.89 1.1 8.41 1.0 7.46 0.9
April 8.75 1.1 8.73 1.3 8.82 1.0 8.58 1.0 7.54 0.9
May 8.83 1.1 8.76 1.3 8.91 1.1 8.97 1.1 7.65 0.9
June 8.86 1.1 8.85 1.3 8.89 1.0 9.09 1.2 7.73 0.9
July 8.94 1.1 8.93 1.2 8.89 1.1 9.28 1.3 8.05 1.0
August 8.94 1.1 9.00 1.2 8.94 1.1 9.59 1.3 8.50 1.0
September 8.90 1.1 8.98 1.2 9.12 1.1 9.96 1.4 8.82 1.1
October 8.92 1.2 8.92 1.2 9.22 1.1 9.98 1.5 8.77 1.1
November 8.92 1.1 8.81 1.3 9.15 1.1 9.79 1.4 8.58 1.0
December 8.96 1.2 8.79 1.2 9.10 1.1 9.62 1.3 8.54 1.0
Annual Average 8.85 1.1 8.87 1.2 9.05 1.1 9.19 1.2 8.04 1.0

 

 1971 1972 
  Rate Pts Rate Pts 
January na na 7.44 1.0
February na na 7.32 0.9
March na na 7.29 0.9
April 7.31 na 7.29 0.9
May 7.43 na 7.37 0.9
June 7.53 na 7.37 0.9
July 7.60 na 7.40 0.9
August 7.70 na 7.40 0.9
September 7.69 na 7.42 1.0
October 7.63 na 7.42 1.0
November 7.55 na 7.43 1.0
December 7.48 na 7.44 1.0
Annual Average na na 7.38 0.9

 

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