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Home > Advocacy > Testimony and Letters
Monthly Average 15-Year Fixed-Rate Mortgages Since 1991
| | 2006
| 
| 2005
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| | | | | | | | | |
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| | January
| 5.71
| 0.5
| 5.17
| 0.6
| | | | | | | | February
| 5.86
| 0.6
| 5.15
| 0.7
| | | | | | | | March
|
|
| 5.44
| 0.7
| | | | | | | | April
|
|
| 5.44
| 0.6
| | | | | | | | May
|
|
| 5.28
| 0.6
| | | | | | | | June
|
|
| 5.18
| 0.6
| | | | | | | | July
|
|
| 5.25
| 0.6
| | | | | | | | August
|
|
| 5.4
| 0.6
| | | | | | | | September
|
|
| 5.36
| 0.6
| | | | | | | | October
|
|
| 5.63
| 0.6
| | | | | | | | November
|
|
| 5.86
| 0.6
| | | | | | | | December
|
|
| 5.82
| 0.6
| | | | | | | | | | | | | | | | | | | Annual Average
|
|
| 5.41
| 0.6
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| | 2004
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| 2003
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| 2002
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| 2001
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| 2000
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| | | | | | | | | | | |
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| | January
| 5.02
| 0.7
| 5.30
| 0.6
| 6.48
| 0.7
| 6.64
| 0.9
| 7.80
| 1.0
| | February
| 4.94
| 0.7
| 5.22
| 0.6
| 6.38
| 0.7
| 6.64
| 0.9
| 7.93
| 1.0
| | March
| 4.74
| 0.7
| 5.07
| 0.6
| 6.52
| 0.7
| 6.51
| 1.0
| 7.83
| 0.9
| | April
| 5.16
| 0.6
| 5.12
| 0.6
| 6.48
| 0.7
| 6.60
| 1.0
| 7.80
| 1.0
| | May
| 5.64
| 0.7
| 4.86
| 0.6
| 6.28
| 0.7
| 6.68
| 1.0
| 8.18
| 1.0
| | June
| 5.66
| 0.6
| 4.63
| 0.6
| 6.11
| 0.6
| 6.70
| 1.0
| 7.99
| 0.9
| | July
| 5.46
| 0.6
| 4.97
| 0.5
| 5.93
| 0.5
| 6.68
| 0.9
| 7.87
| 0.9
| | August
| 5.26
| 0.6
| 5.59
| 0.7
| 5.70
| 0.6
| 6.50
| 0.9
| 7.76
| 1.0
| | September
| 5.15
| 0.8
| 5.46
| 0.6
| 5.51
| 0.6
| 6.34
| 0.9
| 7.60
| 1.0
| | October
| 5.12 | 0.6 | 5.27 | 0.6 | 5.50
| 0.6
| 6.10
| 0.9
| 7.47
| 1.0
| | November
| 5.14 | 0.6 | 5.27 | 0.7 | 5.46
| 0.6
| 6.15
| 0.8
| 7.42
| 0.9
| | December
| 5.18 | 0.6 | 5.22 | 0.6 | 5.45
| 0.6
| 6.54
| 0.8
| 7.06
| 0.9
| | | | | | | | | | | | | Annual Average
| 5.21 | 0.7 | 5.17
| 0.6
| 5.98
| 0.6
| 6.50
| 0.9
| 7.72
| 1.0
|
| | 2000
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| 1999
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| 1998
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| 1997
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| 1996
| | | | | | | | | |
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| | January
| 7.80
| 1.0
| 6.43
| 1.0
| 6.58
| 1.4
| 7.33
| 1.7
| 6.55
| 1.7
| | February
| 7.93
| 1.0
| 6.44
| 1.0
| 6.64
| 1.2
| 7.15
| 1.7
| 6.56
| 1.7
| | March
| 7.83
| 0.9
| 6.68
| 0.9
| 6.74
| 1.2
| 7.41
| 1.7
| 7.11
| 1.8
| | April
| 7.80
| 1.0
| 6.53
| 0.9
| 6.78
| 1.0
| 7.68
| 1.7
| 7.44
| 1.7
| | May
| 8.18
| 1.0
| 6.75
| 1.0
| 6.78
| 1.0
| 7.47
| 1.6
| 7.58
| 1.7
| | June
| 7.99
| 0.9
| 7.18
| 1.0
| 6.67
| 1.0
| 7.24
| 1.7
| 7.83
| 1.7
| | July
| 7.87
| 0.9
| 7.26
| 1.0
| 6.62
| 1.1
| 7.04
| 1.8
| 7.77
| 1.7
| | August
| 7.76
| 1.0
| 7.53
| 1.0
| 6.61
| 1.1
| 7.02
| 1.7
| 7.52
| 1.7
| | September
| 7.60
| 1.0
| 7.44
| 1.0
| 6.40
| 1.0
| 6.99
| 1.7
| 7.75
| 1.7
| | October
| 7.47
| 1.0
| 7.47
| 1.0
| 6.36
| 0.9
| 6.85
| 1.7
| 7.43
| 1.7
| | November
| 7.42
| 0.9
| 7.36
| 1.0
| 6.51
| 0.9
| 6.76
| 1.7
| 7.14
| 1.7
| | December
| 7.06
| 0.9
| 7.52
| 1.0
| 6.39
| 0.9
| 6.66
| 1.8
| 7.10
| 1.7
| | | | | | | | | | | | | Annual Average
| 7.72
| 1.0
| 7.06
| 1.0
| 6.59
| 1.1
| 7.13
| 1.7
| 7.32
| 1.7
|
| | 1995
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| 1994
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| 1993
|
| 1992
|
| 1991
| | | | | | | | | |
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| Rate
|
| Pts
| | January
| 8.80
| 1.8
| 6.57
| 1.7
| 7.51
| 1.7
| 8.01
| 1.7
| na
| na
| | February
| 8.46
| 1.9
| 6.66
| 1.7
| 7.17
| 1.5
| 8.38
| 1.8
| na
| na
| | March
| 8.06
| 1.8
| 7.18
| 1.7
| 7.00
| 1.6
| 8.58
| 1.9
| na
| na
| | April
| 7.88
| 1.9
| 7.80
| 1.7
| 6.94
| 1.6
| 8.47
| 1.7
| na
| na
| | May
| 7.51
| 1.8
| 8.08
| 1.7
| 6.93
| 1.8
| 8.29
| 1.7
| na
| na
| | June
| 7.06
| 1.8
| 7.91
| 1.8
| 6.92
| 1.6
| 8.08
| 1.7
| na
| na
| | July
| 7.09
| 1.8
| 8.11
| 1.7
| 6.72
| 1.6
| 7.67
| 1.6
| na
| na
| | August
| 7.36
| 1.8
| 8.02
| 1.8
| 6.63
| 1.5
| 7.49
| 1.6
| na
| na
| | September
| 7.16
| 1.8
| 8.13
| 1.8
| 6.43
| 1.5
| 7.41
| 1.6
| 8.69
| 1.8
| | October
| 7.01
| 1.9
| 8.39
| 1.8
| 6.37
| 1.5
| 7.55
| 1.7
| 8.49
| 1.8
| | November
| 6.89
| 1.8
| 8.67
| 1.8
| 6.69
| 1.5
| 7.80
| 1.8
| 8.33
| 1.7
| | December
| 6.74
| 1.8
| 8.80
| 1.8
| 6.68
| 1.5
| 7.74
| 1.6
| 8.07
| 1.7
| | | | | | | | | | | | | Annual Average
| 7.48
| 1.8
| 7.86
| 1.8
| 6.83
| 1.6
| 7.96
| 1.7
| na
| na
| Source: Freddie Mac
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