Freddie Mac
Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971
2011
2010
Rate
Pts
January
4.76
0.8
5.03
0.7
February
4.95
4.99
March
4.84
4.97
April
5.10
May
4.64
4.89
June
4.51
4.74
July
4.55
4.56
August
4.27
4.43
September
4.11
4.35
October
4.07
4.23
November
4.30
December
4.71
Annual Average
4.69
2004
2003
2002
2001
2000
5.71
5.92
0.6
7.00
7.03
0.9
8.21
1.0
5.64
5.84
6.89
7.05
8.33
5.45
5.75
7.01
6.95
8.24
5.83
5.81
6.99
7.08
8.15
6.27
5.48
6.81
7.15
8.52
6.29
5.23
6.65
7.16
8.29
6.06
5.63
0.5
6.49
7.13
5.87
6.26
8.03
6.15
6.09
6.82
7.91
5.72
5.95
6.11
6.62
7.80
5.73
5.93
6.07
6.66
7.75
5.88
6.05
7.07
7.38
6.54
6.97
8.05
1999
1998
1997
1996
1995
6.79
1.4
7.82
1.8
9.15
7.04
1.2
7.65
1.7
8.83
1.9
7.90
7.62
8.46
6.92
7.14
8.14
7.93
8.32
1.1
7.94
8.07
7.96
7.55
7.69
7.57
7.63
7.50
8.25
7.61
7.48
8.00
7.86
6.72
7.43
8.23
7.64
7.85
6.71
7.29
7.92
7.74
6.87
7.21
6.74
7.10
7.60
7.20
7.44
6.94
7.6
7.81
1994
1993
1992
1991
1990
7.99
1.6
8.43
9.64
2.1
9.90
7.68
1.5
8.76
9.37
2.0
10.20
8.94
9.50
10.27
7.46
8.85
10.37
8.60
7.47
8.67
9.47
10.48
8.40
7.42
8.51
9.62
10.16
8.61
8.13
9.58
10.04
7.11
7.98
9.24
10.10
8.64
6.91
9.01
10.18
8.93
6.83
8.09
8.86
10.17
2.2
9.17
8.31
8.71
10.01
9.20
7.17
8.50
9.67
8.38
7.31
8.39
9.25
10.13
1989
1988
1987
1986
1985
10.73
10.38
10.89
2.3
13.08
2.5
10.65
9.89
9.08
10.71
12.92
2.4
11.03
9.93
9.04
10.08
13.17
2.6
11.05
9.83
9.94
13.20
10.77
10.46
10.60
10.15
12.91
10.54
10.69
12.22
9.88
10.43
10.28
10.51
12.03
9.99
10.33
12.19
9.95
10.30
11.26
9.98
12.14
9.77
9.70
11.78
9.74
10.61
10.64
9.32
10.32
10.34
10.21
10.19
12.43
1984
1983
1982
1981
1980
13.37
13.25
17.48
14.90
12.88
13.23
13.04
17.60
15.13
13.39
12.80
17.16
15.40
15.28
13.65
12.78
16.89
15.58
16.32
13.94
12.63
16.68
16.40
14.26
14.42
12.87
16.70
12.71
14.67
13.43
16.82
16.83
14.47
13.81
16.27
17.28
12.56
14.35
13.73
15.43
18.16
14.13
13.54
14.61
18.45
13.79
13.64
13.44
13.82
17.82
14.21
13.18
13.42
13.62
16.95
14.79
13.88
13.24
16.04
16.63
13.74
1979
1978
1977
1976
1975
10.39
1.3
8.72
9.02
9.43
10.41
9.14
8.81
9.10
8.69
8.89
10.50
9.35
8.75
8.73
8.82
9.57
8.91
11.04
9.71
11.09
9.78
9.00
11.30
9.76
8.90
8.98
9.12
11.64
9.86
8.92
9.22
12.83
10.11
12.90
10.35
8.96
8.79
11.20
8.87
9.05
1974
1973
1972
1971
8.54
na
7.32
8.41
8.58
7.54
8.97
7.37
9.09
7.73
7.53
9.28
7.40
9.59
7.70
9.96
8.77
9.79
9.19
8.04