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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 3.71 0.6 4.30 0.7 3.53 0.8 3.89 0.8 4.95 0.7
March 3.77 0.6 4.34 0.6 3.57 0.8 3.95 0.8 4.84 0.7
April 3.67 0.6 4.34 0.7 3.45 0.8 3.91 0.7 4.84 0.7
May 3.84 0.6 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
  20102009 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

 

  20052004 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

 

  20001999 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

 

  19901989 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

 

  19851984 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

 

  19801979 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

 

 19751974 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

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