Monthly rate Since 1971

Monthly Average Commitment Rate and Points on 30-Year Fixed-Rate Mortgages Since 1971

 

 

2011 

2010 

 

Rate

Pts 

Rate

Pts 

January

4.76

0.8

5.03

0.7

February

4.95

0.7

4.99

0.7

March

4.84

0.7

4.97

0.7

April

4.84

0.7

5.10

0.7

May

4.64

0.7

4.89

0.7

June

4.51

0.7

4.74

0.7

July

4.55

0.7

4.56

0.7

August

4.27

0.7

4.43

0.7

September

4.11

0.7

4.35

0.7 

October

 

 

4.23

0.8

November

 

 

4.30

0.8 

December

 

 

4.71

0.7

Annual Average

 

 

4.69

0.7

 

 

 

 

 

 

 

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

4.88

0.7

6.09

0.7

6.21

0.4

6.24

0.5

6.33

0.6

December

4.93

0.7

5.29

0.7

6.10

0.5

6.14

0.4

6.27

0.5

Annual Average

5.04

0.7

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