Monthly Average Commitment Rate And Points On 30-Year Fixed-Rate Mortgages Since 1971
Source: Freddie Mac

2003 - 2000 | 1999 - 1996 | 1995 - 1992 | 1991 - 1988 | 1987 - 1984 1983 - 1980 | 1979 - 1976 | 1975 - 1972

	2003			2002			2001			2000
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	5.92	0.6		7.00	0.8		7.03	0.9		8.21	1.0
February	5.84	0.6		6.89	0.7		7.05	1.0		8.33	1.0
March	5.75	0.6		7.01	0.7		6.95	0.9		8.24	1.0
April	5.81	0.6		6.99	0.7		7.08	0.9		8.15	1.0
May	5.48	0.6		6.81	0.7		7.15	1.0		8.52	1.0
June	5.23	0.6		6.65	0.6		7.16	1.0		8.29	0.9
July	5.63	0.5		6.49	0.6		7.13	0.9		8.15	0.9
August	6.26	0.7		6.29	0.6		6.95	0.9		8.03	1.0
September				6.09	0.6		6.82	0.9		7.91	1.0
October				6.11	0.6		6.62	0.9		7.80	1.0
November				6.07	0.6		6.66	0.8		7.75	0.9
December				6.05	0.6		7.07	0.8		7.38	1.0
Annual Average	N/A	N/A		6.54	0.6		6.97	0.9		8.05	1.0

	1999			1998			1997			1996
	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
February	6.81	1.0		7.04	1.2		7.65	1.7		7.08	1.7
March	7.04	0.9		7.13	1.2		7.90	1.8		7.62	1.8
April	6.92	1.0		7.14	1.0		8.14	1.7		7.93	1.8
May	7.15	1.0		7.14	1.1		7.94	1.7		8.07	1.7
June	7.55	1.0		7.00	1.0		7.69	1.7		8.32	1.7
July	7.63	1.0		6.95	1.1		7.50	1.8		8.25	1.8
August	7.94	1.0		6.92	1.1		7.48	1.7		8.00	1.7
September	7.82	1.0		6.72	1.0		7.43	1.7		8.23	1.7
October	7.85	1.0		6.71	0.9		7.29	1.7		7.92	1.7
November	7.74	1.0		6.87	0.9		7.21	1.7		7.62	1.8
December	7.91	1.0		6.74	1.0		7.10	1.8		7.60	1.7
Annual Average	7.44	1.0		6.94	1.1		7.6	1.7		7.81	1.7

	1995			1994			1993			1992
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	9.15	1.8		7.07	1.7		7.99	1.6		8.43	1.8
February	8.83	1.9		7.15	1.8		7.68	1.5		8.76	1.8
March	8.46	1.8		7.68	1.7		7.50	1.6		8.94	1.9
April	8.32	1.9		8.32	1.8		7.46	1.7		8.85	1.7
May	7.96	1.8		8.60	1.8		7.47	1.8		8.67	1.7
June	7.57	1.8		8.40	1.8		7.42	1.6		8.51	1.7
July	7.61	1.8		8.61	1.8		7.21	1.6		8.13	1.6
August	7.86	1.8		8.51	1.8		7.11	1.5		7.98	1.7
September	7.64	1.8		8.64	1.8		6.91	1.5		7.92	1.7
October	7.48	1.9		8.93	1.8		6.83	1.5		8.09	1.8
November	7.38	1.8		9.17	1.8		7.16	1.6		8.31	1.9
December	7.20	1.8		9.20	1.8		7.17	1.7		8.21	1.6
Annual Average	7.93	1.8		8.38	1.8		7.31	1.6		8.39	1.7

	1991			1990			1989			1988
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	9.64	2.1		9.90	2.1		10.73	2.1		10.38	2.0
February	9.37	2.0		10.20	2.1		10.65	2.2		9.89	2.1
March	9.50	2.1		10.27	2.1		11.03	2.2		9.93	2.0
April	9.50	2.0		10.37	2.1		11.05	2.2		10.20	2.1
May	9.47	2.0		10.48	2.0		10.77	2.1		10.46	2.1
June	9.62	2.1		10.16	2.0		10.20	2.1		10.46	2.0
July	9.58	2.0		10.04	2.0		9.88	2.1		10.43	2.0
August	9.24	1.9		10.10	2.0		9.99	2.1		10.60	2.2
September	9.01	1.9		10.18	2.1		10.13	2.0		10.48	2.1
October	8.86	1.9		10.17	2.2		9.95	2.0		10.30	1.9
November	8.71	1.8		10.01	2.1		9.77	2.0		10.27	2.1
December	8.50	1.8		9.67	1.9		9.74	2.0		10.61	2.1
Annual Average	9.25	2.0		10.13	2.1		10.32	2.1		10.34	2.1

	1987			1986			1985			1984
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	9.20	2.2		10.89	2.3		13.08	2.5		13.37	2.3
February	9.08	2.1		10.71	2.3		12.92	2.4		13.23	2.4
March	9.04	2.1		10.08	2.3		13.17	2.6		13.39	2.4
April	9.83	2.3		9.94	2.2		13.20	2.6		13.65	2.4
May	10.60	2.3		10.15	2.3		12.91	2.5		13.94	2.5
June	10.54	2.2		10.69	2.3		12.22	2.5		14.42	2.5
July	10.28	2.2		10.51	2.2		12.03	2.5		14.67	2.6
August	10.33	2.1		10.20	2.1		12.19	2.6		14.47	2.6
September	10.89	2.2		10.01	2.2		12.19	2.6		14.35	2.6
October	11.26	2.2		9.98	2.1		12.14	2.5		14.13	2.6
November	10.65	2.1		9.70	2.0		11.78	2.4		13.64	2.5
December	10.64	2.1		9.32	2.1		11.20	2.3		13.18	2.5
Annual Average	10.21	2.2		10.19	2.2		12.43	2.5		13.88	2.5

	1983			1982			1981			1980
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	13.25	2.2		17.48	2.2		14.90	2.0		12.88	1.6
February	13.04	2.0		17.60	2.2		15.13	2.0		13.04	1.6
March	12.80	2.2		17.16	2.2		15.40	2.0		15.28	2.0
April	12.78	2.1		16.89	2.3		15.58	2.0		16.32	1.9
May	12.63	2.1		16.68	2.3		16.40	2.1		14.26	1.9
June	12.87	2.1		16.70	2.2		16.70	2.1		12.71	1.8
July	13.43	2.2		16.82	2.2		16.83	2.1		12.19	1.8
August	13.81	2.2		16.27	2.3		17.28	2.1		12.56	1.7
September	13.73	2.2		15.43	2.3		18.16	2.1		13.20	1.7
October	13.54	2.1		14.61	2.2		18.45	2.3		13.79	1.7
November	13.44	2.1		13.82	2.2		17.82	2.1		14.21	1.7
December	13.42	2.2		13.62	2.2		16.95	2.1		14.79	1.7
Annual Average	13.24	2.1		16.04	2.2		16.63	2.1		13.74	1.8

	1979			1978			1977			1976
	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
February	10.41	1.5		9.14	1.3		8.67	1.1		8.81	1.0
March	10.43	1.5		9.20	1.3		8.69	1.2		8.76	1.3
April	10.50	1.5		9.35	1.3		8.75	1.1		8.73	1.3
May	10.69	1.6		9.57	1.3		8.83	1.1		8.76	1.3
June	11.04	1.6		9.71	1.4		8.86	1.1		8.85	1.3
July	11.09	1.7		9.74	1.4		8.94	1.1		8.93	1.2
August	11.09	1.7		9.78	1.3		8.94	1.1		9.00	1.2
September	11.30	1.6		9.76	1.3		8.90	1.1		8.98	1.2
October	11.64	1.7		9.86	1.2		8.92	1.2		8.92	1.2
November	12.83	1.7		10.11	1.2		8.92	1.1		8.81	1.3
December	12.90	1.6		10.35	1.4		8.96	1.2		8.79	1.2
Annual Average	11.20	1.6		9.64	1.3		8.85	1.1		8.87	1.2

	1975			1974			1973			1972
	Rate	Pts		Rate	Pts		Rate	Pts		Rate	Pts
January	9.43	1.2		8.54	1.0		7.44	0.9		7.44	1.0
February	9.10	1.2		8.46	1.0		7.44	1.0		7.32	0.9
March	8.89	1.1		8.41	1.0		7.46	0.9		7.29	0.9
April	8.82	1.0		8.58	1.0		7.54	0.9		7.29	0.9
May	8.91	1.1		8.97	1.1		7.65	0.9		7.37	0.9
June	8.89	1.0		9.09	1.2		7.73	0.9		7.37	0.9
July	8.89	1.1		9.28	1.3		8.05	1.0		7.40	0.9
August	8.94	1.1		9.59	1.3		8.50	1.0		7.40	0.9
September	9.12	1.1		9.96	1.4		8.82	1.1		7.42	1.0
October	9.22	1.1		9.98	1.5		8.77	1.1		7.42	1.0
November	9.15	1.1		9.79	1.4		8.58	1.0		7.43	1.0
December	9.10	1.1		9.62	1.3		8.54	1.0		7.44	1.0
Annual Average	9.05	1.1		9.19	1.2		8.04	1.0		7.38	0.9