APPLY RATES PREQUAL TOOLS LIBRARY CHECKLIST LOAN AGENTS


Mortgage Library

Freddie Mac Monthly 30 Year Average Rate

Monthly Average Commitment Rate And Points On One-Year Adjustable-Rate Mortgages Since 1984
Source: Freddie Mac

2003 | 2002 - 2000 | 1999 - 1997 | 1996 - 1994 | 1993 - 1991 | 1990 - 1988 | 1987 - 1984

2003
Rate Pts Margin
January 3.99 0.7 2.77
February 3.86 0.7 2.77
March 3.76 0.6 2.77
April 3.80 0.6 2.77
May 3.66 0.6 2.77
June 3.52 0.6 2.76
July 3.57 0.6 2.76
August 3.79 0.7 2.76
September
October
November
December
Annual Average:

TOP

2002 2001 2000
Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 5.18 0.8 2.78 6.70 0.9 2.78 6.61 1.1 2.78
February 5.03 0.7 2.78 6.46 0.9 2.78 6.72 1.0 2.78
March 5.06 0.7 2.78 6.28 0.9 2.78 6.72 1.0 2.78
April 4.96 0.8 2.78 6.11 0.9 2.78 6.8 1.0 2.78
May 4.79 0.7 2.77 5.88 0.9 2.78 7.07 1.0 2.78
June 4.65 0.5 2.76 5.81 0.9 2.78 7.24 0.9 2.78
July 4.51 0.5 2.77 5.71 0.9 2.78 7.28 0.9 2.78
August 4.38 0.6 2.76 5.71 0.9 2.78 7.29 0.9 2.78
September 4.29 0.6 2.78 5.57 0.9 2.77 7.27 1.0 2.78
October 4.27 0.6 2.78 5.28 0.9 2.76 7.23 1.0 2.78
November 4.16 0.6 2.77 5.20 0.8 2.74 7.22 0. 2.78
December 4.12 0.6 2.78 5.23 0.8 2.77 7.09 0. 2.78
Annual Average: 4.62 0.7 2.77 5.82 0.9 2.77 7.04 1.0 2.78

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1999 1998 1997
Rate Pts Margin Rate Pts Margin Rate Pts Margin
January 5.59 1.1 2.79 5.54 1.2 2.79 5.56 1.4 2.79
February 5.65 1.0 2.79 5.6 1.2 2.79
5.49
1.4
2.78
March 5.77 0.9 2.79 5.69 1.2 2.79
5.64
1.4
2.78
April 5.60 1.1 2.80 5.67 1.1 2.79
5.87
1.5
2.79
May 5.72 1.1 2.79 5.69 1.1 2.79
5.81
1.4
2.79
June 5.91 1.0 2.79 5.69 1.1 2.79
5.69
1.5
2.79
July 5.99 1.0 2.79 5.63 1.1 2.79
5.57
1.4
2.79
August 6.18 1.1 2.79 5.59 1.1 2.79
5.55
1.5
2.79
September 6.20 1.1 2.79 5.47 1.1 2.79
5.55
1.4
2.79
October 6.27 1.1 2.79 5.38 1.0 2.79
5.51
1.4
2.79
November 6.36 1.1 2.78 5.53 1.0 2.79
5.49
1.4
2.79
December 6.53 1.1 2.79 5.56 1.0 2.79
5.52
1.5
2.79
Annual Average: 5.99 1.1 2.79 5.58 1.1 2.79 5.61 1.4 2.79

TOP

1996 1995 1994
Rate Pts Margin Rate Pts Margin Rate Pts Margin
January
5.44
1.4
2.79
6.82
1.5
2.80
4.21
1.4
2.79
February
5.31
1.4
2.80
6.68
1.5
2.80
4.20
1.5
2.78
March
5.51
1.4
2.79
6.45
1.5
2.80
4.55
1.5
2.79
April
5.73
1.4
2.79
6.35
1.5
2.80
4.96
1.5
2.80
May
5.77
1.5
2.79
6.14
1.5
2.79
5.46
1.5
2.79
June
5.92
1.4
2.79
5.87
1.4
2.80
5.45
1.5
2.76
July
5.98
1.5
2.80
5.83
1.4
2.80
5.52
1.5
2.79
August
5.84
1.4
2.79
5.93
1.5
2.79
5.53
1.5
2.80
September
5.85
1.4
2.79
5.81
1.5
2.79
5.54
1.5
2.80
October
5.64
1.4
2.79
5.74
1.4
2.80
5.79
1.5
2.80
November
5.53
1.4
2.78
5.64
1.4
2.80
6.10
1.5
2.81
December
5.52
1.4
2.79
5.57
1.4
2.80
6.66
1.5
2.81
Annual Average: 5.67 1.4 2.79 6.06 1.5 2.80 5.36 1.5 2.79

TOP

1993 1992 1991
Rate Pts Margin Rate Pts Margin Rate Pts Margin
January
5.20
1.7
2.76
5.89
1.7
2.75
7.74
2.0
2.78
February
4.98
1.5
2.76
5.88
1.8
2.76
7.65
2.0
2.78
March
4.78
1.6
2.77
6.11
1.9
2.76
7.47
2.0
2.77
April
4.71
1.6
2.77
6.15
1.7
2.76
7.38
1.9
2.77
May
4.65
1.6
2.77
6.00
1.7
2.76
7.22
1.9
2.77
June
4.64
1.6
2.77
5.87
1.7
2.75
7.24
1.9
2.77
July
4.56
1.5
2.77
5.51
1.6
2.76
7.23
1.9
2.76
August
4.48
1.6
2.77
5.27
1.6
2.76
7.08
1.9
2.77
September
4.34
1.5
2.78
5.11
1.6
2.76
6.87
1.7
2.77
October
4.25
1.4
2.77
5.06
1.7
2.76
6.71
1.8
2.77
November
4.24
1.4
2.79
5.26
1.8
2.76
6.42
1.8
2.77
December
4.23
1.4
2.78
5.43
1.7
2.77
6.19
1.7
2.76
Annual Average: 4.58 1.5 2.77 5.62 1.7 2.76 7.09 1.9 2.77

TOP

1990 1989 1988
Rate
Pts
Margin
Rate
Pts
Margin
Rate
Pts
Margin
January
8.39
2.2
2.77
8.55
2.4
2.76
7.83
2.2
NA
February
8.46
2.2
2.77
8.65
2.4
2.77
7.61
2.2
2.74
March
8.53
2.2
2.77
9.09
2.4
2.77
7.52
2.2
2.74
April
8.55
2.2
2.78
9.40
2.4
2.77
7.58
2.2
2.75
May
8.59
2.1
2.77
9.30
2.3
2.77
7.69
2.3
2.75
June
8.49
2.1
2.78
9.03
2.3
2.78
7.85
2.3
2.75
July
8.43
2.1
2.77
8.74
2.3
2.77
7.84
2.3
2.76
August
8.35
2.1
2.77
8.65
2.3
2.76
8.01
2.3
2.74
September
8.28
2.1
2.77
8.71
2.2
2.77
8.14
2.4
2.76
October
8.20
2.1
2.77
8.62
2.3
2.77
8.12
2.4
2.75
November
8.10
2.1
2.77
8.51
2.2
2.77
8.16
2.3
2.76
December
7.93
2.0
2.77
8.39
2.3
2.77
8.40
2.4
2.76
Annual Average: 8.36 2.1 2.77 8.80 2.3 2.77 7.90 2.3 2.75

TOP

1987 1986 1985 1984
Rate Pts Rate Pts Rate Pts Rate Pts
January
7.62
2.2
9.01
2.3
10.84
2.5
10.99
2.3
February
7.56
2.1
8.93
2.3
10.63
2.4
10.89
2.4
March
7.54
2.1
8.64
2.3
10.90
2.6
11.02
2.4
April
7.58
2.2
8.54
2.4
10.83
2.6
11.16
2.4
May
7.88
2.4
8.54
2.4
10.55
2.5
11.35
2.5
June
7.93
2.2
8.60
2.4
9.89
2.5
11.67
2.5
July
7.81
2.2
8.52
2.4
9.70
2.5
12.20
2.6
August
7.76
2.1
8.40
2.2
9.54
2.6
12.14
2.6
September
7.95
2.4
8.20
2.2
9.52
2.6
12.00
2.6
October
8.25
2.4
8.06
2.1
9.55
2.5
11.96
2.6
November
8.00
2.3
7.90
2.1
9.36
2.4
11.54
2.5
December
7.96
2.3
7.68
2.1
9.19
2.3
11.01
2.5
Annual Average: 7.83 2.2 8.43 2.3 10.05 2.5 11.51 2.5
TOP