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
- 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. - War, Unemployment Affect Interest RatesWhat a difference a day makes. With last weekend’s war declaration in the Middle East, we’ve seen market unrest and soaring oil prices. This means rising rates. This morning’s jobs report showed -92,000 new jobs created… Read more: War, Unemployment Affect Interest Rates
- Steady as She GoesRate sheets this morning showed slight improvements with some lenders, but ultimately rates remain the same and should hold through today. Wholesale inflation came in higher than expected for January, but bonds had only a… Read more: Steady as She Goes
- Rates Showing StabilityRates opened Friday slightly worse than the day before as bonds had a slow start. The PCE inflation data had beat expectations, but since the data is stale from December, it didn’t have much of… Read more: Rates Showing Stability
- Rates Were Hot TodayYesterday, mortgage bonds improved steadily throughout the day, bringing a wave of pricing improvements across many lenders. The interesting piece here? There was no discernible impetus—no economic data, no headlines, nothing. Rate sheets were HOT today. The CPI… Read more: Rates Were Hot Today