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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

  20172016201520142013
  RatePtsRatePtsRatePtsRatePtsRatePts
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 4.2 0.5 3.69 0.5 3.77 0.6 4.34 0.6 3.57 0.8
April 4.05 0.5 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     3.650.53.850.64.170.63.980.7

 

  20122011201020092008
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average3.660.74.450.74.690.75.040.76.030.6

 

  20072006200520042003
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average6.340.46.410.55.870.65.840.75.830.6

 

  20022001200019991998
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average6.540.66.970.98.051.07.441.06.941.1

 

  19971996199519941993
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average7.61.77.811.77.931.88.381.87.311.6

 

  19921991199019891988
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average8.391.79.252.010.132.110.322.110.342.1

 

  19871986198519841983
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average10.212.210.192.212.432.513.882.513.242.1

 

  19821981198019791978
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average16.042.216.632.113.741.811.201.69.641.3

 

 19771976197519741973
  RatePtsRatePtsRatePtsRatePtsRatePts
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 Average8.851.18.871.29.051.19.191.28.041.0

 

 19711972
  RatePtsRatePts
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 Averagenana7.380.9

 

Other Available PMMS® Information:


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