Skip to Content
FreddieMac.com
Skip to Content

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

  2018 2019 2020 2021 2022
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 4.03 0.5                
February 4.33 0.6                
March 4.44 0.5                
April 4.47 0.5                
May 4.59 0.4                
June 4.57 0.5                
July 4.53 0.5                
August 4.55 0.5                
September 4.63 0.5                
October 4.83 0.5                
November 4.87 0.5                
December                    
Annual Average                    
  2017 2016 2015 2014 2013
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
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 4.01 0.5 3.60 0.6 3.84 0.6 4.19 0.6 3.54 0.7
June 3.9 0.5 3.57 0.5 3.98 0.7 4.16 0.6 4.07 0.8
July 3.97 0.5 3.44 0.5 4.05 0.6 4.13 0.6 4.37 0.8
August 3.88 0.5 3.44 0.5 3.91 0.6 4.12 0.6 4.46 0.7
September 3.81 0.5 3.46 0.5 3.89 0.6 4.16 0.5 4.49 0.7
October  3.90 0.5 3.47 0.6 3.80 0.6 4.04 0.5 4.19 0.7
November 3.92 0.5 3.77 0.5 3.94 0.6 4.00 0.5 4.26 0.7
December 3.95 0.5 4.20 0.5 3.96 0.6 3.86 0.6 4.46 0.7
Annual Average 3.99 0.5 3.65 0.5 3.85 0.6 4.17 0.6 3.98 0.7

 

  2012 2011 2010 2009 2008
  Rate Pts Rate Pts Rate Pts Rate Pts 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 2005 2004 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 2000 1999 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 1990 1989 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 1985 1984 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 1980 1979 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 1975 1974 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

 

Other Available PMMS® Information:


Opinions, estimates, forecasts and other views contained in this document are those of Freddie Mac's Economic & Housing Research group, do not necessarily represent the views of Freddie Mac or its management, should not be construed as indicating Freddie Mac's business prospects or expected results, and are subject to change without notice. Although the Economic & Housing Research group attempts to provide reliable, useful information, it does not guarantee that the information is accurate, current or suitable for any particular purpose. The information is therefore provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document is strictly prohibited. ©2018 by Freddie Mac.