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Loan Center
Mortgage Rate History

Mortgage Rates History 1980 through 2007

National Average Contract Mortgage Rate:

Index History

National Average Contract Mortgage Rate For the Purchase of Previously Occupied Homes By Combined Lenders

The National Average Contract Mortgage Rate is derived from the Federal Housing Finance Board's Monthly Interest Rate Survey (MIRS). Prior to October 1989, this survey was conducted for many years by the former Federal Home Loan Bank Board (FHLBB). The series is the average contract rate reported by a sample of mortgage lenders -- savings and loan associations, savings banks, commercial banks, and mortgage companies -- for loans closed during the first 5 working days of the month up through October 1991 and for the last 5 working days of the month since November 1991. The rate is based on conventional fixed- and adjustable-rate loans on previously occupied nonfarm single-family homes. The series trails interest-rate trends both because of the processing time and the fact that the rate on a loan closed often reflects a rate commitment made two or three months earlier.

Up-to-date information on this series is available on a recorded message on
(202) 408-2940.

Announcement Date Index Month Index Value
25-Mar-08 Feb-08 5.87  
26-Feb-08 Jan-08 5.97  
       
  2007    
Announcement Date Index Month Index Value
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Pennsylvania Mortgage Rates Current Mortgage Rates - Hawaii Current Mortgage Rates - Alaska West Virginia Mortgage Rates Virginia Mortgage Rates District of Columbia Mortgage Rates Maryland Mortgage Rates Delaware Mortgage Rates New Jersey Mortgage Rates Connecticut Mortgage Rates Rhode Island Mortgage Rates Massachussetts Mortgage Rates New Hampshire Mortgage Rates Vermont Mortgage Rates New Hampshire Mortgage Rates Maine Current Mortgage Rates Vermont Mortgage Rates Current Mortgage Rates - New York Current Mortgage Rates - Michigan Current Interest Rates - Wisconsin Current Mortgage Rates - MINNESOTA Ohio Mortgage Rates Current Mortgage Rates - Kentucky Current Mortgage Rates - Indiana Illinois - Current Mortgage Rates Current Mortgage Rates - Iowa Missouri Mortgage Rates Current Mortgage Rates - North Carolina South Carolina Mortgage Rates Current Mortgage Rates - Florida Current Mortgage Rates - Georgia Current Mortgage Rates - Tennessee Current Mortgage Rates - Alabama Current Mortgage Rates - Mississippi Current Mortgage Rates - Louisiana Current Mortgage Rates - Arkansas Current Mortgage Rates - Oklahoma Current Mortgage Rates - TEXAS Current Mortgage Rates - New Mexico Current Mortgage Rates - Arizona Current Mortgage Rates - Kansas Current Mortgage Rates - Nebraska Current Mortgage Rates - Colorado Current Mortgage Rates - Wyoming South Dakota Mortgage Rates Current Mortgage Rates - North Dakota Current Rates - Montana Idaho Current Rates Washington Mortgage Rates Current Mortgage Rates - Oregon Current Mortgage Rates - Utah Current Mortgage Rates - Nevada Current Mortgage Rates - California


24-Jan-08 Dec-07 6.23
27-Dec-07 Nov-07 6.35
27-Nov-07 Oct-07 6.50
25-Oct-07 Sept-07 6.59
25-Sept-07 Aug-07 6.73
28-Aug-07 July-07 6.74
25-July-07 June-07 6.58
26-June-07 May-07 6.37
24-May-07 Apr-07 6.28
26-Apr-07 Mar-07 6.33
27-Mar-07 Feb-07 6.40
27-Feb-07 Jan-07 6.37
2006  
Announcement Date Index Month Index Value  
25-Jan-07 Dec-06 6.40
28-Dec-06 Nov-06 6.45
28-Nov-06 Oct-06 6.54
26-Oct-06 Sept-06 6.59
27-Sept-06 Aug-06 6.75
29-Aug-06 Jul-06 6.77
28-Jul-06 Jun-06 6.65
Jun-06 May-06 6.61
May-06 Apr-06 6.50
Apr-06 Mar-06 6.43
Mar-06 Feb-06 6.31
Feb-06 Jan-06 6.30
2005  
Announcement Date Index Month Index Value  
Jan-06 Dec-05 6.29
Dec-05 Nov-05 6.22
29-Nov-05 Oct-05 5.98
25-Oct-05 Sept-05 5.85
27-Sept-05 Aug-05 5.83
30-Aug-05 Jul-05 5.68
26-Jul-05 Jun-05 5.65
29-Jun-05 May-05 5.80
25-May-05 Apr-05 5.86
26-Apr-05 Mar-05 5.76
24-Mar-05 Feb-05 5.68
24-Feb-05 Jan-05 5.72
2004  
Announcement Date Index Month Index Value  
26-Jan-05 Dec-04 5.71
28-Dec-04 Nov-04 5.65
30-Nov-04 Oct-04 5.64
26-Oct-04 Sept-04 5.63
28-Sept-04 Aug-04 5.77
26-Aug-04 Jul-04 5.88
28-Jul-04 Jun-04 5.96
25-Jun-04 May-04 5.73
28-May-04 Apr-04 5.37
26-Apr-04 Mar-04 5.43
26-Mar-04 Feb-04 5.69
26-Feb-04 Jan-04 5.63
2003  
Announcement Date Index Month Index Value
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= Current Rate Chart
Pennsylvania Mortgage Rates Current Mortgage Rates - Hawaii Current Mortgage Rates - Alaska West Virginia Mortgage Rates Virginia Mortgage Rates District of Columbia Mortgage Rates Maryland Mortgage Rates Delaware Mortgage Rates New Jersey Mortgage Rates Connecticut Mortgage Rates Rhode Island Mortgage Rates Massachussetts Mortgage Rates New Hampshire Mortgage Rates Vermont Mortgage Rates New Hampshire Mortgage Rates Maine Current Mortgage Rates Vermont Mortgage Rates Current Mortgage Rates - New York Current Mortgage Rates - Michigan Current Interest Rates - Wisconsin Current Mortgage Rates - MINNESOTA Ohio Mortgage Rates Current Mortgage Rates - Kentucky Current Mortgage Rates - Indiana Illinois - Current Mortgage Rates Current Mortgage Rates - Iowa Missouri Mortgage Rates Current Mortgage Rates - North Carolina South Carolina Mortgage Rates Current Mortgage Rates - Florida Current Mortgage Rates - Georgia Current Mortgage Rates - Tennessee Current Mortgage Rates - Alabama Current Mortgage Rates - Mississippi Current Mortgage Rates - Louisiana Current Mortgage Rates - Arkansas Current Mortgage Rates - Oklahoma Current Mortgage Rates - TEXAS Current Mortgage Rates - New Mexico Current Mortgage Rates - Arizona Current Mortgage Rates - Kansas Current Mortgage Rates - Nebraska Current Mortgage Rates - Colorado Current Mortgage Rates - Wyoming South Dakota Mortgage Rates Current Mortgage Rates - North Dakota Current Rates - Montana Idaho Current Rates Washington Mortgage Rates Current Mortgage Rates - Oregon Current Mortgage Rates - Utah Current Mortgage Rates - Nevada Current Mortgage Rates - California


28-Jan-04 Dec-03 5.74
23-Dec-03 Nov-03 5.79
25-Nov-03 Oct-03 5.78
27-Oct-03 Sep-03 5.89
25-Sep-03 Aug-03 5.61
26-Aug-03 Jul-03 5.34
25-Jul-03 Jun-03 5.36
26-Jun-03 May-03 5.58
28-May-03 Apr-03 5.68
28-Apr-03 Mar-03 5.76
27-Mar-03 Feb-03 5.88
27-Feb-03 Jan-03 5.91
2002  
Announcement Date Index Month Index Value  
28-Jan-03 Dec-02 6.04
26-Dec-02 Nov-02 6.03
26-Nov-02 Oct-02 6.09
25-Oct-02 Sep-02 6.23
27-Sep-02 Aug-02 6.32
28-Aug-02 Jul-02 6.48
25-Jul-02 Jun-02 6.62
26-Jun-02 May-02 6.74
28-May-02 Apr-02 6.88
26-Apr-02 Mar-02 6.77
27-Mar-02 Feb-02 6.77
27-Feb-02 Jan-02 6.81
 
 
2001  
Announcement Date Index Month Index Value
25-Jan-02 Dec-01 6.69
27-Dec-01 Nov-01 6.56
28-Nov-01 Oct-01 6.66
26-Oct-01 Sep-01 6.86
26-Sep-01 Aug-01 6.99
28-Aug-01 Jul-01 7.1
26-Jul-01 Jun-01 7.1
26-Jun-01 May-01 7.08
25-May-01 Apr-01 7.01
26-Apr-01 Mar-01 7.02
27-Mar-01 Feb-01 7.1
27-Feb-01 Jan-01 7.25
 
 
2000  
Announcement Date Index Month Index Value  
26-Jan-01 Dec-00 7.59
26-Dec-00 Nov-00 7.73
28-Nov-00 Oct-00 7.81
26-Oct-00 Sep-00 7.89
27-Sep-00 Aug-00 8
29-Aug-00 Jul-00 8.09
27-Jul-00 Jun-00 8.17
27-Jun-00 May-00 8.08
26-May-00 Apr-00 8
27-Apr-00 Mar-00 8.01
27-Mar-00 Feb-00 7.95
25-Feb-00 Jan-00 7.79
 
 
1999  
Announcement Date Index Month Index Value
    Fannie Mae & Jumbo Mortgage Rates
    Just One Click!
= Current Rate Chart
Pennsylvania Mortgage Rates Current Mortgage Rates - Hawaii Current Mortgage Rates - Alaska West Virginia Mortgage Rates Virginia Mortgage Rates District of Columbia Mortgage Rates Maryland Mortgage Rates Delaware Mortgage Rates New Jersey Mortgage Rates Connecticut Mortgage Rates Rhode Island Mortgage Rates Massachussetts Mortgage Rates New Hampshire Mortgage Rates Vermont Mortgage Rates New Hampshire Mortgage Rates Maine Current Mortgage Rates Vermont Mortgage Rates Current Mortgage Rates - New York Current Mortgage Rates - Michigan Current Interest Rates - Wisconsin Current Mortgage Rates - MINNESOTA Ohio Mortgage Rates Current Mortgage Rates - Kentucky Current Mortgage Rates - Indiana Illinois - Current Mortgage Rates Current Mortgage Rates - Iowa Missouri Mortgage Rates Current Mortgage Rates - North Carolina South Carolina Mortgage Rates Current Mortgage Rates - Florida Current Mortgage Rates - Georgia Current Mortgage Rates - Tennessee Current Mortgage Rates - Alabama Current Mortgage Rates - Mississippi Current Mortgage Rates - Louisiana Current Mortgage Rates - Arkansas Current Mortgage Rates - Oklahoma Current Mortgage Rates - TEXAS Current Mortgage Rates - New Mexico Current Mortgage Rates - Arizona Current Mortgage Rates - Kansas Current Mortgage Rates - Nebraska Current Mortgage Rates - Colorado Current Mortgage Rates - Wyoming South Dakota Mortgage Rates Current Mortgage Rates - North Dakota Current Rates - Montana Idaho Current Rates Washington Mortgage Rates Current Mortgage Rates - Oregon Current Mortgage Rates - Utah Current Mortgage Rates - Nevada Current Mortgage Rates - California


26-Jan-00 Dec-99 7.55
27-Dec-99 Nov-99 7.56
29-Nov-99 Oct-99 7.56
27-Oct-99 Sep-99 7.57
27-Sep-99 Aug-99 7.48
26-Aug-99 Jul-99 7.35
27-Jul-99 Jun-99 7.14
25-Jun-99 May-99 6.96
26-May-99 Apr-99 6.94
27-Apr-99 Mar-99 6.91
25-Mar-99 Feb-99 6.82
25-Feb-99 Jan-99 6.77
 
 
1998  
Announcement Date Index Month Index Value  
27-Jan-99 Dec-98 6.76
24-Dec-98 Nov-98 6.77
25-Nov-98 Oct-98 6.74
27-Oct-98 Sep-98 6.88
25-Sep-98 Aug-98 6.98
26-Aug-98 Jul-98 7.01
27-Jul-98 Jun-98 7.06
26-Jun-98 May-98 7.08
27-May-98 Apr-98 7.09
27-Apr-98 Mar-98 7.07
26-Mar-98 Feb-98 7.06
26-Feb-98 Jan-98 7.12
 
 
1997  
Announcement Date Index Month Index Value
28-Jan-98 Dec-97 7.26
24-Dec-97 Nov-97 7.34
26-Nov-97 Oct-97 7.37
28-Oct-97 Sep-97 7.46
25-Sep-97 Aug-97 7.47
26-Aug-97 Jul-97 7.52
28-Jul-97 Jun-97 7.67
26-Jun-97 May-97 7.75
28-May-97 Apr-97 7.73
25-Apr-97 Mar-97 7.61
26-Mar-97 Feb-97 7.53
26-Feb-97 Jan-97 7.55
 
 
1996  
Announcement Date Index Month Index Value  
28-Jan-97 Dec-96 7.45
27-Dec-96 Nov-96 7.55
27-Nov-96 Oct-96 7.68
25-Oct-96 Sep-96 7.78
27-Sep-96 Aug-96 7.76
28-Aug-96 Jul-96 7.87
26-Jul-96 Jun-96 7.77
27-Jun-96 May-96 7.72
29-May-96 Apr-96 7.55
26-Apr-96 Mar-96 7.29
26-Mar-96 Feb-96 7.13
27-Feb-96 Jan-96 7.18
 
 
1995  
Announcement Date Index Month Index Value
    Fannie Mae & Jumbo Mortgage Rates
    Just One Click!
= Current Rate Chart
Pennsylvania Mortgage Rates Current Mortgage Rates - Hawaii Current Mortgage Rates - Alaska West Virginia Mortgage Rates Virginia Mortgage Rates District of Columbia Mortgage Rates Maryland Mortgage Rates Delaware Mortgage Rates New Jersey Mortgage Rates Connecticut Mortgage Rates Rhode Island Mortgage Rates Massachussetts Mortgage Rates New Hampshire Mortgage Rates Vermont Mortgage Rates New Hampshire Mortgage Rates Maine Current Mortgage Rates Vermont Mortgage Rates Current Mortgage Rates - New York Current Mortgage Rates - Michigan Current Interest Rates - Wisconsin Current Mortgage Rates - MINNESOTA Ohio Mortgage Rates Current Mortgage Rates - Kentucky Current Mortgage Rates - Indiana Illinois - Current Mortgage Rates Current Mortgage Rates - Iowa Missouri Mortgage Rates Current Mortgage Rates - North Carolina South Carolina Mortgage Rates Current Mortgage Rates - Florida Current Mortgage Rates - Georgia Current Mortgage Rates - Tennessee Current Mortgage Rates - Alabama Current Mortgage Rates - Mississippi Current Mortgage Rates - Louisiana Current Mortgage Rates - Arkansas Current Mortgage Rates - Oklahoma Current Mortgage Rates - TEXAS Current Mortgage Rates - New Mexico Current Mortgage Rates - Arizona Current Mortgage Rates - Kansas Current Mortgage Rates - Nebraska