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

With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

vote to see results