|
Freddie Mac
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
|
4.07
|
0.8
|
4.23
|
0.8
|
|
November
|
|
|
4.30
|
0.8
|
|
December
|
|
|
4.71
|
0.7
|
|
Annual Average
|
|
|
4.69
|
0.7
|
|
|
|
|
|
|
|
|
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
|
|
