Mortgage Rate History
Historical mortgage rates provide context for today's borrowing environment, but past rates do not predict future rates.
Why Mortgage Rates Change
Mortgage rates can respond to bond-market conditions, inflation expectations, monetary policy, lender funding costs, credit conditions and other market forces.
Historical Data
For U.S. historical averages, Freddie Mac's Primary Mortgage Market Survey is a widely used primary source. The corresponding 30-year fixed-rate series is also available through FRED MORTGAGE30US.
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Published averages are not individual loan offers. Actual borrower rates depend on market, lender, product, property and borrower factors.