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15-Year Fixed-Rate Mortgages Since 1991

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Monthly Average Commitment Rate And Points On 15-Year Fixed-Rate Mortgages

  2022 2021 2020 2019 2018
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 2.66 0.6 2.20 0.6 3.07 0.7 3.91 0.4 3.48 0.5
February 3.00 0.8 2.24 0.6 2.97 0.8 3.80 0.4 3.79 0.5
March 3.39 0.8 2.39 0.7 2.89 0.7 3.72 0.4 3.91 0.5
April 4.22 0.9 2.36 0.6 2.80 0.6 3.61 0.5 3.93 0.4
May     2.28 0.6 2.69 0.7 3.53 0.4 4.07 0.4
June     2.27 0.6 2.60 0.8 3.24 0.5 4.04 0.4
July     2.18 0.7 2.52 0.7 3.20 0.5 4.01 0.4
August     2.15 0.6 2.48 0.8 3.08 0.5 4.02 0.5
September     2.18 0.6 2.39 0.8 3.12 0.5 4.08 0.5
October     2.31 0.7 2.35 0.6 3.14 0.5 4.25 0.4
November     2.36 0.6 2.31 0.6 3.16 0.5 4.28 0.5
December     2.35 0.6 2.22 0.6 3.18 0.6 4.09 0.4
Annual Average  3.32  0.8  2.27  0.6  2.61  0.7  3.39  0.5  4.00  0.5
  2017 2016 2015 2014 2013
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 3.39 0.5 3.16 0.5 2.99 0.5 3.48 0.7 2.70 0.7
February 3.38 0.5 2.96 0.5 3.01 0.6 3.35 0.7 2.77 0.8
March 3.41 0.5 2.97 0.4 3.04 0.6 3.36 0.6 2.76 0.7
April 3.3 0.5  2.87  0.5 2.94 0.6 3.39 0.6 2.66 0.7
May 3.26 0.5 2.84 0.5 3.06 0.6 3.29 0.6 2.72 0.7
June 3.17 0.5 2.84 0.5 3.19 0.6 3.27 0.5 3.17 0.7
July 3.24 0.5 2.75 0.5 3.21 0.6 3.24 0.6 3.43 0.8
August 3.16 0.5 2.75 0.5 3.13 0.6 3.25 0.6 3.49 0.7
September 3.11 0.5 2.76 0.5 3.10 0.6 3.31 0.5 3.52 0.7
October  3.20  0.5 2.76 0.5 3.01 0.6 3.21 0.5 3.27 0.7
November 3.29 0.5 3.03 0.5 3.16 0.6 3.19 0.5 3.30 0.7
December 3.39 0.5 3.43 0.5 3.21 0.5 3.13 0.6 3.48 0.6
Annual Average  3.28  0.5 2.93 0.5 3.09 0.6 3.29 0.6 3.11 0.7

 

  2012 2011 2010 2009 2008
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 3.20 0.8 4.09 0.8 4.44 0.6 4.72 0.7 5.29 0.4
February 3.16 0.8 4.22 0.7 4.37 0.7 4.77 0.7 5.44 0.5
March 3.20 0.8 4.08 0.7 4.33 0.7 4.64 0.7 5.42 0.5
April 3.14 0.7 4.06 0.7 4.42 0.6 4.50 0.7 5.47 0.4
May 3.03 0.7 3.82 0.7 4.28 0.7 4.52 0.7 5.60 0.5
June 2.95 0.7 3.69 0.7 4.18 0.7 4.90 0.7 5.91 0.6
July 2.85 0.7 3.68 0.7 4.04 0.7 4.69 0.7 5.97 0.6
August 2.86 0.6 3.46 0.7 3.91 0.6 4.61 0.7 6.03 0.7
September 2.80 0.6 3.32 0.6 3.81 0.6 4.49 0.6 5.64 0.6
October 2.69 0.6 3.35 0.8 3.66 0.7 4.39 0.6 5.89 0.6
November 2.66 0.7  3.31 0.7 3.68 0.7  4.34 0.6 5.79 0.7
December 2.66 0.7 3.25 0.8 4.06 0.7 4.39 0.6 5.04 0.7
Annual Average 2.93 0.7 3.68 0.7 4.10 0.7 4.57 0.7 5.62 0.6

 

  2007 2006 2005 2004 2003
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 5.97 0.4 5.71 0.5 5.17 0.6 5.02 0.7 5.30 0.6
February 6.02 0.4 5.86 0.6 5.15 0.7 4.94 0.7 5.22 0.6
March 5.88 0.4 5.97 0.6 5.46 0.7 4.74 0.7 5.07 0.6
April 5.88 0.5 6.16 0.5 5.41 0.6 5.16 0.6 5.12 0.6
May 5.97 0.4 6.21 0.5 5.28 0.6 5.64 0.7 4.86 0.7
June 6.34 0.4 6.31 0.5 5.17 0.6 5.66 0.6 4.63 0.6
July 6.36 0.4 6.39 0.4 5.28 0.6 5.46 0.6 4.97 0.5
August 6.23 0.4 6.20 0.4 5.40 0.6 5.26 0.6 5.59 0.7
September 6.05 0.5 6.08 0.4 5.36 0.6 5.14 0.7 5.46 0.6
October 6.04 0.6 6.05 0.5 5.63 0.6 5.12 0.6 5.27 0.6
November 5.85 0.5 5.96 0.5 5.86 0.6 5.14 0.6 5.27 0.7
December 5.75 0.5 5.88 0.5 5.82 0.6 5.18 0.6 5.20 0.6
Annual Average 6.03 0.4 6.07 0.5 5.42 0.6 5.21 0.6 5.17 0.6

 

  2002 2001 2000 1999 1998
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 6.48 0.7 6.64 0.9 7.80 1.0 6.43 1.0 6.58 1.4
February 6.38 0.7 6.64 0.9 7.93 1.0 6.44 1.0 6.64 1.2
March 6.52 0.7 6.51 1.0 7.83 0.9 6.68 0.9 6.74 1.2
April 6.48 0.7 6.60 1.0 7.80 1.0 6.53 0.9 6.78 1.0
May 6.28 0.7 6.68 1.0 8.18 1.0 6.75 1.0 6.78 1.0
June 6.11 0.6 6.70 1.0 7.99 0.9 7.18 1.0 6.67 1.0
July 5.93 0.5 6.68 0.9 7.87 0.9 7.26 1.0 6.62 1.1
August 5.70 0.6 6.50 0.9 7.76 1.0 7.53 1.0 6.61 1.1
September 5.51 0.6 6.34 0.9 7.60 1.0 7.44 1.0 6.40 1.0
October 5.50 0.6 6.10 0.9 7.47 1.0 7.47 1.0 6.36 0.9
November 5.46 0.6 6.15 0.8 7.42 0.9 7.36 1.0 6.51 0.9
December 5.45 0.6 6.54 0.8 7.06 0.9 7.52 1.0 6.39 0.9
Annual Average 5.98 0.6 6.50 0.9 7.72  1.0 7.06 1.0 6.59  1.1 

 

  1997 1996 1995 1994 1993
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 7.33 1.7 6.55 1.7 8.80 1.8 6.57 1.7 7.51 1.7
February 7.15 1.7 6.56 1.7 8.46 1.8 6.66 1.7 7.17 1.5
March 7.41 1.7 7.11 1.8 8.06 1.8 7.18 1.7 7.00 1.6
April 7.68 1.7 7.44 1.7 7.88 1.8 7.80 1.7 6.94 1.6
May 7.47 1.6 7.58 1.7 7.51 1.7 8.08 1.7 6.93 1.8
June 7.24 1.7 7.83 1.7 7.06 1.7 7.91 1.8 6.92 1.6
July 7.04 1.8 7.77 1.7 7.09 1.7 8.11 1.7 6.72 1.6
August 7.02 1.7 7.52 1.7 7.36 1.8 8.02 1.8 6.63 1.5
September 6.99 1.7 7.75 1.7 7.16 1.8 8.13 1.8 6.43 1.5
October 6.85 1.7 7.43 1.7 7.01 1.8 8.39 1.8 6.37 1.5
November 6.76 1.7 7.14 1.7 6.89 1.8 8.67 1.8 6.69 1.5
December 6.66 1.8 7.10 1.7 6.74 1.7 8.80 1.8 6.68 1.5
Annual Average 7.13 1.7 7.32 1.7 7.48 1.8 7.86 1.8 6.83  1.6 

 

  1992 1991
  Rate Pts Rate Pts
January 8.01 1.7 na na
February 8.38 1.8 na na
March 8.58 1.9 na na
April 8.47 1.7 na na
May 8.29 1.7 na na
June 8.08 1.7 na na
July 7.67 1.6 na na
August 7.49 1.6 na na
September 7.41 1.6 8.69 1.8
October 7.55 1.7 8.49 1.8
November 7.80 1.8 8.33 1.7
December 7.74 1.6 8.07 1.7
Annual Average 7.96 1.7 na na

 

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