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30-Year Fixed-Rate Mortgages Since 1971

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Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971

  2022 2021 2020 2019 2018
  Rate Pts Rate Pts Rate Pts Rate Pts Rate Pts
January 3.45 0.7 2.74 0.7 3.62 0.7 4.46 0.5 4.03 0.5
February 3.76 0.8 2.81 0.7 3.47 0.7 4.37 0.5 4.33 0.6
March 4.17 0.8 3.08 0.7 3.45 0.7 4.27 0.5 4.44 0.5
April 4.98 0.8 3.06 0.7 3.31 0.7 4.14 0.5 4.47 0.5
May     2.96 0.7 3.23 0.7 4.07 0.5 4.59 0.4
June     2.98 0.7 3.16 0.8 3.80 0.5 4.57 0.5
July     2.87 0.7 3.02 0.8 3.77 0.6 4.53 0.5
August     2.84 0.7 2.94 0.8 3.62 0.5 4.55 0.5
September     2.90 0.7 2.89 0.8 3.61 0.5 4.63 0.5
October     3.07 0.7 2.83 0.7 3.69 0.6 4.83 0.5
November     3.07 0.7 2.77 0.7 3.70 0.6 4.87 0.5
December     3.10 0.6 2.68 0.7 3.72 0.7 4.64 0.5
Annual Average 4.09 0.8 2.96 0.7  3.11  0.7  3.94  0.5  4.54 0.5 
  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

 

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

 

 

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