Skip to Page Content | Skip to Site Navigation | Skip to Section Navigation

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

 
2009 
2008 
2007 
2006 
2005 
 
Rate
Pts
Rate
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
5.05
0.7
5.76
0.4
6.22
0.4
6.15
0.5
5.71
0.7
February
5.13
0.7
5.92
0.5
6.29
0.4
6.25
0.6
5.63
0.7
March
5.00
0.7
5.97
0.5
6.16
0.4
6.32
0.6
5.93
0.7
April
4.81
0.7
5.92
0.4
6.18
0.5
6.51
0.6
5.86
0.6
May
4.86
0.7
6.04
0.5
6.26
0.4
6.60
0.5
5.72
0.6
June
5.42
0.7
6.32
0.7
6.66
0.4
6.68
0.5
5.58
0.6
July
5.22
0.7
6.43
0.6
6.70
0.4
6.76
0.5
5.70
0.5
August
5.19
0.7
6.48
0.7
6.57
0.4
6.52
0.4
5.82
0.5
September
5.06
0.7
6.04
0.7
6.38
0.5
6.40
0.5
5.77
0.6
October
4.95
0.7
6.20
0.6
6.38
0.5
6.36
0.4
6.07
0.5
November
 
 
6.09
0.7
6.21
0.4
6.24
0.5
6.33
0.6
December
 
 
5.29
0.7
6.10
0.5
6.14
0.4
6.27
0.5
Annual Average  
 
6.03 
0.6 
6.34 
0.4 
6.41 
0.5 
5.87 
0.6 

 
2004 
2003 
2002 
2001 
2000 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
5.71
0.7
5.92
0.6
7.00
0.8
7.03
0.9
8.21
1.0
February
5.64
0.7
5.84
0.6
6.89
0.7
7.05
1.0
8.33
1.0
March
5.45
0.7
5.75
0.6
7.01
0.7
6.95
0.9
8.24
1.0
April
5.83
0.7
5.81
0.6
6.99
0.7
7.08
0.9
8.15
1.0
May
6.27
0.7
5.48
0.6
6.81
0.7
7.15
1.0
8.52
1.0
June
6.29
0.6
5.23
0.6
6.65
0.6
7.16
1.0
8.29
0.9
July
6.06
0.6
5.63
0.5
6.49
0.6
7.13
0.9
8.15
0.9
August
5.87
0.7
6.26
0.7
6.29
0.6
6.95
0.9
8.03
1.0
September
5.75
0.7
6.15
0.6
6.09
0.6
6.82
0.9
7.91
1.0
October
5.72
0.7
5.95
0.6
6.11
0.6
6.62
0.9
7.80
1.0
November
5.73
0.6
5.93
0.6
6.07
0.6
6.66
0.8
7.75
0.9
December
5.75
0.6
5.88
0.7
6.05
0.6
7.07
0.8
7.38
1.0
Annual Average
5.84 
0.7 
5.83 
0.6 
6.54 
0.6 
6.97 
0.9 
8.05 
1.0 

 
1999 
1998 
1997 
1996 
1995 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
6.79
0.9
6.99
1.4
7.82
1.8
7.03
1.8
9.15
1.8
February
6.81
1.0
7.04
1.2
7.65
1.7
7.08
1.7
8.83
1.9
March
7.04
0.9
7.13
1.2
7.90
1.8
7.62
1.8
8.46
1.8
April
6.92
1.0
7.14
1.0
8.14
1.7
7.93
1.8
8.32
1.9
May
7.15
1.0
7.14
1.1
7.94
1.7
8.07
1.7
7.96
1.8
June
7.55
1.0
7.00
1.0
7.69
1.7
8.32
1.7
7.57
1.8
July
7.63
1.0
6.95
1.1
7.50
1.8
8.25
1.8
7.61
1.8
August
7.94
1.0
6.92
1.1
7.48
1.7
8.00
1.7
7.86
1.8
September
7.82
1.0
6.72
1.0
7.43
1.7
8.23
1.7
7.64
1.8
October
7.85
1.0
6.71
0.9
7.29
1.7
7.92
1.7
7.48
1.9
November
7.74
1.0
6.87
0.9
7.21
1.7
7.62
1.8
7.38
1.8
December
7.91
1.0
6.74
1.0
7.10
1.8
7.60
1.7
7.20
1.8
Annual Average
7.44 
1.0 
6.94 
1.1 
7.6 
1.7 
7.81 
1.7 
7.93 
1.8 

 
1994 
1993 
1992 
1991 
1990 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
7.07
1.7
7.99
1.6
8.43
1.8
9.64
2.1
9.90
2.1
February
7.15
1.8
7.68
1.5
8.76
1.8
9.37
2.0
10.20
2.1
March
7.68
1.7
7.50
1.6
8.94
1.9
9.50
2.1
10.27
2.1
April
8.32
1.8
7.46
1.7
8.85
1.7
9.50
2.0
10.37
2.1
May
8.60
1.8
7.47
1.8
8.67
1.7
9.47
2.0
10.48
2.0
June
8.40
1.8
7.42
1.6
8.51
1.7
9.62
2.1
10.16
2.0
July
8.61
1.8
7.21
1.6
8.13
1.6
9.58
2.0
10.04
2.0
August
8.51
1.8
7.11
1.5
7.98
1.7
9.24
1.9
10.10
2.0
September
8.64
1.8
6.91
1.5
7.92
1.7
9.01
1.9
10.18
2.1
October
8.93
1.8
6.83
1.5
8.09
1.8
8.86
1.9
10.17
2.2
November
9.17
1.8
7.16
1.6
8.31
1.9
8.71
1.8
10.01
2.1
December
9.20
1.8
7.17
1.7
8.21
1.6
8.50
1.8
9.67
1.9
Annual Average
8.38 
1.8 
7.31 
1.6 
8.39 
1.7 
9.25 
2.0 
10.13 
2.1 

 
1989 
1988 
1987 
1986 
1985 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
10.73
2.1
10.38
2.0
9.20
2.2
10.89
2.3
13.08
2.5
February
10.65
2.2
9.89
2.1
9.08
2.1
10.71
2.3
12.92
2.4
March
11.03
2.2
9.93
2.0
9.04
2.1
10.08
2.3
13.17
2.6
April
11.05
2.2
10.20
2.1
9.83
2.3
9.94
2.2
13.20
2.6
May
10.77
2.1
10.46
2.1
10.60
2.3
10.15
2.3
12.91
2.5
June
10.20
2.1
10.46
2.0
10.54
2.2
10.69
2.3
12.22
2.5
July
9.88
2.1
10.43
2.0
10.28
2.2
10.51
2.2
12.03
2.5
August
9.99
2.1
10.60
2.2
10.33
2.1
10.20
2.1
12.19
2.6
September
10.13
2.0
10.48
2.1
10.89
2.2
10.01
2.2
12.19
2.6
October
9.95
2.0
10.30
1.9
11.26
2.2
9.98
2.1
12.14
2.5
November
9.77
2.0
10.27
2.1
10.65
2.1
9.70
2.0
11.78
2.4
December
9.74
2.0
10.61
2.1
10.64
2.1
9.32
2.1
11.26
2.3
Annual Average
10.32 
2.1 
10.34 
2.1 
10.21 
2.2 
10.19 
2.2 
12.43 
2.5 

 
1984 
1983 
1982 
1981 
1980 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
13.37
2.3
13.25
2.2
17.48
2.2
14.90
2.0
12.88
1.6
February
13.23
2.4
13.04
2.0
17.60
2.2
15.13
2.0
13.04
1.6
March
13.39
2.4
12.80
2.2
17.16
2.2
15.40
2.0
15.28
2.0
April
13.65
2.4
12.78
2.1
16.89
2.3
15.58
2.0
16.32
1.9
May
13.94
2.5
12.63
2.1
16.68
2.3
16.40
2.1
14.26
1.9
June
14.42
2.5
12.87
2.1
16.70
2.2
16.70
2.1
12.71
1.8
July
14.67
2.6
13.43
2.2
16.82
2.2
16.83
2.1
12.19
1.8
August
14.47
2.6
13.81
2.2
16.27
2.3
17.28
2.1
12.56
1.7
September
14.35
2.6
13.73
2.2
15.43
2.3
18.16
2.1
13.20
1.7
October
14.13
2.6
13.54
2.1
14.61
2.2
18.45
2.3
13.79
1.7
November
13.64
2.5
13.44
2.1
13.82
2.2
17.82
2.1
14.21
1.7
December
13.18
2.5
13.42
2.2
13.62
2.2
16.95
2.1
14.79
1.7
Annual Average
13.88 
2.5 
13.24 
2.1 
16.04 
2.2 
16.63 
2.1 
13.74 
1.8 

 
1979 
1978 
1977 
1976 
1975 
 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
Rate 
Pts 
January
10.39
1.5
9.01
1.3
8.72
1.1
9.02
1.1
9.43
1.2
February
10.41
1.5
9.14
1.3
8.67
1.1
8.81
1.0
9.10
1.2
March
10.43
1.5
9.20
1.3
8.69
1.2
8.76
1.3
8.89
1.1
April
10.50
1.5
9.35
1.3
8.75
1.1
8.73
1.3
8.82
1.0
May
10.69
1.6
9.57
1.3
8.83
1.1
8.76
1.3
8.91
1.1
June
11.04
1.6
9.71
1.4
8.86
1.1
8.85
1.3
8.89
1.0
July
11.09
1.7
9.74
1.4
8.94
1.1
8.93
1.2
8.89
1.1
August
11.09
1.7
9.78
1.3
8.94
1.1
9.00
1.2
8.94
1.1
September
11.30
1.6
9.76
1.3
8.90
1.1
8.98
1.2
9.12
1.1
October
11.64
1.7
9.86
1.2
8.92
1.2
8.92
1.2
9.22
1.1
November
12.83
1.7
10.11
1.2
8.92
1.1
8.81
1.3
9.15
1.1
December
12.90
1.6
10.35
1.4
8.96
1.2
8.79
1.2
9.10
1.1
Annual Average
11.20 
1.6 
9.64 
1.3 
8.85 
1.1 
8.87 
1.2 
9.05 
1.1 

 
1974 
1973
1972
1971
 
Rate 
Pts 
Rate
Pts
Rate
Pts
Rate
Pts
January
8.54
1.0
7.44
0.9
7.44
1.0
na
na
February
8.46
1.0
7.44
1.0
7.32
0.9
na
na
March
8.41
1.0
7.46
0.9
7.29
0.9
na
na
April
8.58
1.0
7.54
0.9
7.29
0.9
7.31
na
May
8.97
1.1
7.65
0.9
7.37
0.9
7.43
na
June
9.09
1.2
7.73
0.9
7.37
0.9
7.53
na
July
9.28
1.3
8.05
1.0
7.40
0.9
7.60
na
August
9.59
1.3
8.50
1.0
7.40
0.9
7.70
na
September
9.96
1.4
8.82
1.1
7.42
1.0
7.69
na
October
9.98
1.5
8.77
1.1
7.42
1.0
7.63
na
November
9.79
1.4
8.58
1.0
7.43
1.0
7.55
na
December
9.62
1.3
8.54
1.0
7.44
1.0
7.48
na
Annual Average
9.19 
1.2 
8.04 
1.0 
7.38 
0.9 
na 
na 

 Other Available PMMS® Information:

Back to Top