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National Monthly Average Mortgage Rates

Historical Data: 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
FHLMC   (1) HSH   (2) FHFB   (3)
1996 30 Year
FRM		 15 Year
FRM		 1 Year
ARM
January 7.03 6.55 5.44
February 7.08 6.56 5.31
March 7.62 7.11 5.51
April 7.93 7.44 5.73
May 8.07 7.58 5.77
June 8.32 7.83 5.92
July 8.24 7.77 5.98
August 8.00 7.52 5.84
September 8.23 7.75 5.85
October 7.92 7.43 5.64
November 7.62 7.14 5.53
December 7.60 7.10 5.52
1996 30 Year
FRM		 15 Year
FRM		 1 Year
ARM
January 7.32 6.87 5.53
February 7.33 6.84 5.42
March 7.89 7.40 5.67
April 8.16 7.71 5.86
May 8.31 7.86 5.93
June 8.47 8.04 6.09
July 8.44 8.01 6.13
August 8.25 7.82 6.01
September 8.41 7.98 6.08
October 8.12 7.68 5.91
November 7.82 7.41 5.74
December 7.82 7.39 5.72
1996 Contract
Rate
Jan 7.18
Feb 7.13
Mar 7.29
Apr 7.55
May 7.72
Jun 7.77
Jul 7.87
Aug 7.76
Sep 7.78
Oct 7.68
Nov 7.55
Dec 7.45
Source: (1) Freddie Mac, (2) HSH Associates, (3) Federal Housing Finance Board

(1) Federal Home Loan Mortgage Corporation's (Freddie Mac) Weekly Primary Mortgage Market Survey (PMMS), Monthly Average Values. National average rates on conventional, conforming, 30- and 15-year fixed and 1-Year CMT-indexed adjustable rate mortgages. Starting from January 2005, 5/1 hybrid ARM rates are available.

Each week Freddie Mac surveys 125 lenders and the mix of lender types (thrifts, commercial banks and mortgage lending companies) is roughly proportional to the level of mortgage business that each type commands nationwide.

(2) HSH Associates, Financial Publishers' Mortgage Rate Survey, National Monthly Averages. The HSH statistics include both conforming and jumbo loans.

National monthly average rates are derived from HSH's database of 2,000 to 3,000 lenders.

(3) Federal Housing Finance Board's Monthly Interest Rate Survey, National Average Contract MortgageRate (the Contract Rate on the composite of all mortgage loans, fixed- and adjustable-rate, derived from the Federal Housing Finance Board's (FHFB) Monthly Interest Rate Survey (MIRS).

To conduct this survey, the Finance Board asks a sample of mortgage lenders, representing savings associations, mortgage companies, commercial banks, and mutual savings banks, to report the terms and conditions on all single-family, fully amortized, purchase-money, nonfarm loans that they close during the last five business days of the month.

Historical Data: 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021

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