Mortgage Rates and Terms

Comparison of Fixed and Adjustable Mortgage Rates

Data comparing rates and points for 30-year fixed-rate mortgages, 15-year fixed-rate mortgages, and 1-year adjustable-rate mortgages by month. Includes average data for the year.

Please note that data prior to 1991 do not include specific types of fixed-rate mortgages.

2013-2015 Data

2012-2014 Data

2009-2011 Data

2006-2008 Data

2003-2005 Data

2000-2002 Data

1997-1999 Data

1994-1996 Data

1991-1993 Data

1985-1990 Data

National Average Fixed-Rate Mortgage Contract Rates

Data for the average fixed-rate mortgage contract rates broken down by new homes, used homes and all homes. Listed by month with yearly averages.

2010-2015 Data

2007-2012 Data

2001-2006 Data

1995-2000 Data

1989-1994 Data

1983-1988 Data

Poll

After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.
2 to 3 years. GSE reform is complicated.
Sadly it won’t happen in a Clinton or Trump first term.
Not in my lifetime.

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Housing Pulse