Historical Data of Interest Rates
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Rates trends for the last 3 years
These are the running interest rates for the last three years, according to Freddie Mac.
Rates trends by decade
These are the running interest rates for the last several decades, according to Freddie Mac.
Market Breakdown by Week
- Jobs Report and GeopoliticsWhat Happened Today: The Jobs Report Bond prices dropped today—which causes interest rates to tick up—because of a surprisingly strong jobs report. However, this knee-jerk market reaction will likely fade. We expect things to stabilize… Read more: Jobs Report and Geopolitics
- Market Responds to Peacefire TalksWe saw the bond market improve last week after news was leaked that the U.S. and Iran had reached a preliminary deal to extend their ceasefire by 60 days. In addition, there was talk about… Read more: Market Responds to Peacefire Talks
- Stable Week Ends a Bit ShakyThroughout the week, we saw fairly stable rates until Friday. Today, the rates deteriorated and will match the yearly highs from March 27, as bonds sold off aggressively this morning. This isn’t just mortgage bonds.… Read more: Stable Week Ends a Bit Shaky
- Overview of Last WeekLast week was an up-and-down week in the market. Sound familiar? Rates took a beating Wednesday, rebounded a bit Thursday, and stayed fairly stable on Friday. Overall, rates crept higher. Unless this week brings a… Read more: Overview of Last Week
- No Improvement in RatesRates are a bit worse this week than last week. The reason is extremely complex but can be boiled down to one question: What’s going on in the Middle East? Thankfully, a ceasefire remains in place,… Read more: No Improvement in Rates
- Oil and Gas Prices Up, Bonds SteadyRate sheets were steady yesterday following an improvement in bonds. It was a good start to the day. CPI data released reflects the first inflation reaction to higher oil and gas prices resulting from the… Read more: Oil and Gas Prices Up, Bonds Steady
- Jobs Increase, Unemployment DecreasesThe BLS came out with big numbers today: 178,000 jobs created. Unemployment reduced to 4.3%! The bond market reacted as expected. As has been the theme, however, this number is not without controversy and questions. The BLS… Read more: Jobs Increase, Unemployment Decreases
- Rate Volatility ContinuesIt just so happens to be the second Friday after two long weeks in the market. After a (very) brief respite early this week when President Trump proposed a peace-plan to Iran, we’ve consistently seen… Read more: Rate Volatility Continues
- Conflict in Iran Affects RatesWhat a difference a few weeks of war makes! Wednesday’s poor rate day continued yesterday, and Thursday was even worse. Rate sheets started the day higher, and reprices worsened as bonds sold off throughout the day.… Read more: Conflict in Iran Affects Rates
- Get a Second Opinion on Your Mortgage: It’s Not Too Late to Save
Many homebuyers ask, “Can I switch mortgage lenders before closing?” or worry that it’s too late to change mortgage companies once the process has started. The truth is, until you sign the final documents, you have the right to shop for better terms. Getting a second opinion on your mortgage rate isn’t just smart—it’s often the difference between a high-cost “junk fee” loan and a plan that builds long-term wealth.