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

	2008		2007		2006		2005		2004
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	5.76	0.4	6.22	0.4	6.15	0.5	5.71	0.7	5.71	0.7
February	5.92	0.5	6.29	0.4	6.25	0.6	5.63	0.7	5.64	0.7
March	5.97	0.5	6.16	0.4	6.32	0.6	5.93	0.7	5.45	0.7
April	5.92	0.4	6.18	0.5	6.51	0.6	5.86	0.6	5.83	0.7
May	6.04	0.5	6.26	0.4	6.60	0.5	5.72	0.6	6.27	0.7
June	6.32	0.7	6.66	0.4	6.68	0.5	5.58	0.6	6.29	0.6
July	6.43	0.6	6.70	0.4	6.76	0.5	5.70	0.5	6.06	0.6
August			6.57	0.4	6.52	0.4	5.82	0.5	5.87	0.7
September			6.38	0.5	6.40	0.5	5.77	0.6	5.75	0.7
October			6.38	0.5	6.36	0.4	6.07	0.5	5.72	0.7
November			6.21	0.4	6.24	0.5	6.33	0.6	5.73	0.6
December			6.10	0.5	6.14	0.4	6.27	0.5	5.75	0.6
Annual Average			6.34	0.4	6.41	0.5	5.87	0.6	5.84	0.7

	2003		2002		2001		2000		1999
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	5.92	0.6	7.00	0.8	7.03	0.9	8.21	1.0	6.79	0.9
February	5.84	0.6	6.89	0.7	7.05	1.0	8.33	1.0	6.81	1.0
March	5.75	0.6	7.01	0.7	6.95	0.9	8.24	1.0	7.04	0.9
April	5.81	0.6	6.99	0.7	7.08	0.9	8.15	1.0	6.92	1.0
May	5.48	0.6	6.81	0.7	7.15	1.0	8.52	1.0	7.15	1.0
June	5.23	0.6	6.65	0.6	7.16	1.0	8.29	0.9	7.55	1.0
July	5.63	0.5	6.49	0.6	7.13	0.9	8.15	0.9	7.63	1.0
August	6.26	0.7	6.29	0.6	6.95	0.9	8.03	1.0	7.94	1.0
September	6.15	0.6	6.09	0.6	6.82	0.9	7.91	1.0	7.82	1.0
October	5.95	0.6	6.11	0.6	6.62	0.9	7.80	1.0	7.85	1.0
November	5.93	0.6	6.07	0.6	6.66	0.8	7.75	0.9	7.74	1.0
December	5.88	0.7	6.05	0.6	7.07	0.8	7.38	1.0	7.91	1.0
Annual Average	5.83	0.6	6.54	0.6	6.97	0.9	8.05	1.0	7.44	1.0

	1998		1997		1996		1995		1994
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	6.99	1.4	7.82	1.8	7.03	1.8	9.15	1.8	7.07	1.7
February	7.04	1.2	7.65	1.7	7.08	1.7	8.83	1.9	7.15	1.8
March	7.13	1.2	7.90	1.8	7.62	1.8	8.46	1.8	7.68	1.7
April	7.14	1.0	8.14	1.7	7.93	1.8	8.32	1.9	8.32	1.8
May	7.14	1.1	7.94	1.7	8.07	1.7	7.96	1.8	8.60	1.8
June	7.00	1.0	7.69	1.7	8.32	1.7	7.57	1.8	8.40	1.8
July	6.95	1.1	7.50	1.8	8.25	1.8	7.61	1.8	8.61	1.8
August	6.92	1.1	7.48	1.7	8.00	1.7	7.86	1.8	8.51	1.8
September	6.72	1.0	7.43	1.7	8.23	1.7	7.64	1.8	8.64	1.8
October	6.71	0.9	7.29	1.7	7.92	1.7	7.48	1.9	8.93	1.8
November	6.87	0.9	7.21	1.7	7.62	1.8	7.38	1.8	9.17	1.8
December	6.74	1.0	7.10	1.8	7.60	1.7	7.20	1.8	9.20	1.8
Annual Average	6.94	1.1	7.6	1.7	7.81	1.7	7.93	1.8	8.38	1.8

	1993		1992		1991		1990		1989
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	7.99	1.6	8.43	1.8	9.64	2.1	9.90	2.1	10.73	2.1
February	7.68	1.5	8.76	1.8	9.37	2.0	10.20	2.1	10.65	2.2
March	7.50	1.6	8.94	1.9	9.50	2.1	10.27	2.1	11.03	2.2
April	7.46	1.7	8.85	1.7	9.50	2.0	10.37	2.1	11.05	2.2
May	7.47	1.8	8.67	1.7	9.47	2.0	10.48	2.0	10.77	2.1
June	7.42	1.6	8.51	1.7	9.62	2.1	10.16	2.0	10.20	2.1
July	7.21	1.6	8.13	1.6	9.58	2.0	10.04	2.0	9.88	2.1
August	7.11	1.5	7.98	1.7	9.24	1.9	10.10	2.0	9.99	2.1
September	6.91	1.5	7.92	1.7	9.01	1.9	10.18	2.1	10.13	2.0
October	6.83	1.5	8.09	1.8	8.86	1.9	10.17	2.2	9.95	2.0
November	7.16	1.6	8.31	1.9	8.71	1.8	10.01	2.1	9.77	2.0
December	7.17	1.7	8.21	1.6	8.50	1.8	9.67	1.9	9.74	2.0
Annual Average	7.31	1.6	8.39	1.7	9.25	2.0	10.13	2.1	10.32	2.1

	1988		1987		1986		1985		1984
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	10.38	2.0	9.20	2.2	10.89	2.3	13.08	2.5	13.37	2.3
February	9.89	2.1	9.08	2.1	10.71	2.3	12.92	2.4	13.23	2.4
March	9.93	2.0	9.04	2.1	10.08	2.3	13.17	2.6	13.39	2.4
April	10.20	2.1	9.83	2.3	9.94	2.2	13.20	2.6	13.65	2.4
May	10.46	2.1	10.60	2.3	10.15	2.3	12.91	2.5	13.94	2.5
June	10.46	2.0	10.54	2.2	10.69	2.3	12.22	2.5	14.42	2.5
July	10.43	2.0	10.28	2.2	10.51	2.2	12.03	2.5	14.67	2.6
August	10.60	2.2	10.33	2.1	10.20	2.1	12.19	2.6	14.47	2.6
September	10.48	2.1	10.89	2.2	10.01	2.2	12.19	2.6	14.35	2.6
October	10.30	1.9	11.26	2.2	9.98	2.1	12.14	2.5	14.13	2.6
November	10.27	2.1	10.65	2.1	9.70	2.0	11.78	2.4	13.64	2.5
December	10.61	2.1	10.64	2.1	9.32	2.1	11.26	2.3	13.18	2.5
Annual Average	10.34	2.1	10.21	2.2	10.19	2.2	12.43	2.5	13.88	2.5

	1983		1982		1981		1980		1979
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	13.25	2.2	17.48	2.2	14.90	2.0	12.88	1.6	10.39	1.5
February	13.04	2.0	17.60	2.2	15.13	2.0	13.04	1.6	10.41	1.5
March	12.80	2.2	17.16	2.2	15.40	2.0	15.28	2.0	10.43	1.5
April	12.78	2.1	16.89	2.3	15.58	2.0	16.32	1.9	10.50	1.5
May	12.63	2.1	16.68	2.3	16.40	2.1	14.26	1.9	10.69	1.6
June	12.87	2.1	16.70	2.2	16.70	2.1	12.71	1.8	11.04	1.6
July	13.43	2.2	16.82	2.2	16.83	2.1	12.19	1.8	11.09	1.7
August	13.81	2.2	16.27	2.3	17.28	2.1	12.56	1.7	11.09	1.7
September	13.73	2.2	15.43	2.3	18.16	2.1	13.20	1.7	11.30	1.6
October	13.54	2.1	14.61	2.2	18.45	2.3	13.79	1.7	11.64	1.7
November	13.44	2.1	13.82	2.2	17.82	2.1	14.21	1.7	12.83	1.7
December	13.42	2.2	13.62	2.2	16.95	2.1	14.79	1.7	12.90	1.6
Annual Average	13.24	2.1	16.04	2.2	16.63	2.1	13.74	1.8	11.20	1.6

	1978		1977		1976		1975		1974
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	9.01	1.3	8.72	1.1	9.02	1.1	9.43	1.2	8.54	1.0
February	9.14	1.3	8.67	1.1	8.81	1.0	9.10	1.2	8.46	1.0
March	9.20	1.3	8.69	1.2	8.76	1.3	8.89	1.1	8.41	1.0
April	9.35	1.3	8.75	1.1	8.73	1.3	8.82	1.0	8.58	1.0
May	9.57	1.3	8.83	1.1	8.76	1.3	8.91	1.1	8.97	1.1
June	9.71	1.4	8.86	1.1	8.85	1.3	8.89	1.0	9.09	1.2
July	9.74	1.4	8.94	1.1	8.93	1.2	8.89	1.1	9.28	1.3
August	9.78	1.3	8.94	1.1	9.00	1.2	8.94	1.1	9.59	1.3
September	9.76	1.3	8.90	1.1	8.98	1.2	9.12	1.1	9.96	1.4
October	9.86	1.2	8.92	1.2	8.92	1.2	9.22	1.1	9.98	1.5
November	10.11	1.2	8.92	1.1	8.81	1.3	9.15	1.1	9.79	1.4
December	10.35	1.4	8.96	1.2	8.79	1.2	9.10	1.1	9.62	1.3
Annual Average	9.64	1.3	8.85	1.1	8.87	1.2	9.05	1.1	9.19	1.2

	1973		1972		1971
	Rate	Pts	Rate	Pts	Rate	Pts
January	7.44	0.9	7.44	1.0	na	na
February	7.44	1.0	7.32	0.9	na	na
March	7.46	0.9	7.29	0.9	na	na
April	7.54	0.9	7.29	0.9	7.31	na
May	7.65	0.9	7.37	0.9	7.43	na
June	7.73	0.9	7.37	0.9	7.53	na
July	8.05	1.0	7.40	0.9	7.60	na
August	8.50	1.0	7.40	0.9	7.70	na
September	8.82	1.1	7.42	1.0	7.69	na
October	8.77	1.1	7.42	1.0	7.63	na
November	8.58	1.0	7.43	1.0	7.55	na
December	8.54	1.0	7.44	1.0	7.48	na
Annual Average	8.04	1.0	7.38	0.9	na	na

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