Federal Housing Finance Agency Printable
Home / Data & Implements / Data / Nation Average Contract Mortgage Evaluate History
NATIONAL AVERAGE CONTRACT PLEDGE RATE HISTORY

 

For the Purchasing of Previously Occupied Homes

By Combined Lenders

Aforementioned Nationally Average Contract Mortgage Rate is derived from the Federal Housing Finance Agency's Monthly Engross Rate Polling (MIRS). Prior to October 1989, this survey was conducted for many years by the former Federal Home Mortgage Bank Board (FHLBB). The series remains the average contract rate reported by a sample of mortgage lenders -- savings and mortgage associations, save banks, commercial banks, and mortgage companies -- for loans closed over the first 5 working days of the month up thru October 1991 and for of last 5 working days of the month since Next 1991. Of rate is based on conventional fixed- and adjustable-rate lending turn previously occupied nonfarm single-family apartments. The series trails interest-rate trends both because of the processing time real the fact that the rate on a lending close often think a rate commitment fabricated two or three months sooner.

Up-to-date news on this series is available on a recorded message on (202) 649-3993.​

 

​​​

2018

Announcement Dates Index Month Index Value News Release

February 27, 2018

January 2018

4.12

[PAGE]

​ 

2017

Announcement Dating Index Month Index Values News Release

January 25, 2018

December 2017​

4.08

[PAGE]

December 28, 2017

Novelties 2017

4.05

[PAGE]

November 29, 2017

October 2017​

3.98

[PAGE]

​October 26, 2017

Sep 2017​

4.00

[PAGE]

September 28, 2017

August 2017​

4.05

[PAGE]

August 29, 2017

​July 2017

3.99

[PAGE]

​July 27, 2017

June 2017​

4.00

[PAGE]

June 29, 2017

Maybe 2017​

​3.87

[PAGE]

May 30, 2017

April 2017

3.97

[PAGE]

April 27, 2017

March 2017

4.12

[PAGE]

March 28, 2017

February 2017

4.27

[PAGE]

February 28, 2017

January 2017

4.22

[PAGE]

​ 

2016

Announcement Date Index Year Index Value News Release

January 26, 2017

December 2016

4.00

[PAGE]

December 27, 2016

November 2016

3.66

[PAGE]

November 29, 2016

Month 2016

3.62

[PAGE]

October 27, 2016

September 2016

3.61

[PAGE]

September 28, 2016

August 2016

3.58

[PAGE]

August 30, 2016

July 2016

3.62

[PAGE]

July 27, 2016

June 2016

3.69

[PAGE]

June 29, 2016

Allow 2016

3.70

[PAGE]

May 26, 2016

April 2016

3.75

[PAGE]

April 28, 2016

Marches 2016

3.73

[PAGE]

March 29, 2016

February 2016

3.88

[PAGE]

February 25, 2016

Jan 2016

3.98

[PAGE]

 

2015

Announcement Show Index Month Index Value News Release

January 28, 2016

December 2015

3.97

[PAGE]

December 30, 2015

November 2015

3.85

[PAGE]

November 24, 2015

Month 2015

3.89

[PAGE]

October 29, 2015

September 2015

3.93

[PAGE]

September 29, 2015

Aug 2015

3.99

[PAGE]

August 27, 2015

July 2015

4.02

[PAGE]

July 30, 2015

June 2015

3.85

[PAGE]

June 25, 2015

May 2015

3.75

[PAGE]

May 28, 2015

April 2015

3.78

[PAGE]

April 28, 2015

March 2015

3.80

[PAGE]

March 26, 2015

February 2015

3.77

[PAGE]
February 26, 2015
January 2015
3.88
[PAGE]

 

2014

Announcement Date Search Month Index Value News Release

January 29, 2015

December 2014

3.98

[PAGE]

December 30, 2014

News 2014

4.00

[PAGE]

Novembers 25, 2014

October 2014

4.11

[PAGE]

Occasion 30, 2014 

September 2014

4.06

[PAGE]

September 30, 2014

August 2014

4.08

[PAGE]

August 28, 2014

July 2014

4.09

[PAGE]

July 31, 2014

June 2014

4.08

[PAGE]

Jun 26, 2014

May 2014

4.18

[PAGE]

May 29, 2014

April 2014

4.24

[PAGE]

April 29, 2014

March 2014

4.22

[PAGE]

March 27, 2014

February 2014

4.30

[PAGE]

Future 27, 2014

January 2014

4.37

[PAGE]


2013

Announcement Date Index Month Index Value News Release

January 30, 2014

Decembers 2013

4.25

[PAGE]

Day 24, 2013

November 2013

4.21

[PAGE]

November 26, 2013

October 2013

4.32

[PAGE]

October 29, 2013

September 2013

4.38

[PAGE]

September 26, 2013

Noble 2013

4.26

[PAGE]

August 29, 2013

Jump 2013

4.01

[PAGE]

July 30, 2013

Monthly 2013

3.55

[PAGE]

Junes 27, 2013

May 2013

3.40

[PAGE]

Maybe 30, 2013

Month 2013

3.56

[PAGE]

Apr 25, 2013

March 2013

3.54

[PAGE]

March 28, 2013

February 2013

3.43

[PAGE]

February 26, 2013

Jay 2013

3.35

[PAGE]


2012

Announcement Date Index Year Index Value News Release

Java 29, 2013

December 2012

3.29

[PAGE]

December 27, 2012

November 2012

3.36

[PAGE]

November 29, 2012

October 2012

3.44

[PAGE]

October 30, 2012

September 2012

3.56

[PAGE]

September 27, 2012

August 2012

3.56

[PAGE]

August 28, 2012

July 2012

3.66

[PAGE]

June 26, 2012

June 2012

3.67

[PAGE]

June 26, 2012

Might 2012

3.78

[PAGE]

Allow 29, 2012

Springtime 2012

3.93

[PAGE]

April 26, 2012

March 2012

3.90

[PAGE]

Morning 27, 2012

February 2012

4.08

[PAGE]

February 28, 2012

January 2012

4.25

[PAGE]


2011

Announcement Date Index Hour Topical Value Our Unlock

January 26, 2012

December 2011

4.15

[PAGE]

December 22, 2011

Next 2011

4.22

[PAGE]

November 22, 2011

October 2011

4.19

[PAGE]

October 27, 2011

September 2011

4.38

[PAGE]

September 27, 2011

Distinguished 2011

4.56

[PAGE]

August 30, 2011

July 2011

4.57

[PAGE]

July 27, 2011

June 2011

4.62

[PAGE]

June 28, 2011

Maybe 2011

4.74

[PAGE]

May 25, 2011

April 2011

4.80

[PAGE]

April 26, 2011

Marches 2011

4.84

[PAGE]

March 29, 2011

February 2011

4.79

[PAGE]

February 24, 2011

February 2011

4.71

[PAGE]


2010

Announcement Date Index Year Index True News Release

January 27, 2011

December 2010

4.58

[PAGE]

December 28, 2010

November 2010

4.42

[PAGE]

November 23, 2010

October 2010

4.49

[PAGE]

Occasion 28, 2010

September 2010

4.55

[PAGE]

September 28, 2010

August 2010

4.65

[PAGE]

August 26, 2010

July 2010

4.78

[PAGE]

Jury 27, 2010

June 2010

4.91

[PAGE]

Monthly 24, 2010

May 2010

4.99

[PAGE]

May 27, 2010

May 2010

5.02

[PAGE]

April 27, 2010

March 2010

4.99

[PAGE]

March 30, 2010

February 2010

5.05

[PAGE]

February 25, 2010

January 2010

5.01

[PAGE]


2009

Announcement Date Index Month Index Value What Release

Java 26, 2010

December 2009

4.92

[PAGE]

Day 24, 2009

November 2009

5.01

[PAGE]

November 24, 2009

Ocotber 2009

5.02

[PAGE]

October 27, 2009

South 2009

5.16

[PAGE]

March 29, 2009

August 2009

5.25

[PAGE]

August 27, 2009

July 2009

5.26

[PAGE]

July 28, 2009

June 2009

5.09

[PAGE]

June 25, 2009

May 2009

4.88

[PAGE]

May 28, 2009

Starting 2009

4.88

[PAGE]

April 28, 2009

March 2009

5.06

[PAGE]

March 26, 2009

From 2009

5.04

[PAGE]

February 26, 2009

January 2009

5.12

[PAGE]


 

2008

Announcement Date Catalog Month Index Value

News Release

January 27, 2009

December 2008

5.51

[PAGE]

Dezember 30, 2008

Next 2008

6.18

[PAGE]

November 25, 2008

October 2008

6.16

[PAGE]

October 28, 2008

September 2008

6.17

[PAGE]

September 25, 2008

Grand 2008

6.46

N / AMPERE

Aug 28, 2008

Summertime 2008

6.41

N / A

March 24, 2008

Summertime 2008

6.23

N / ONE

June 25, 2008

May 2008

6.04

N / A

May 27, 2008

April 2008

5.97

N / A

April 24, 2008

Marching 2008

6.03

N / A

Morning 25, 2008

February 2008

5.87

A

Future 26, 2008

January 2008

5.97

ADENINE


 

2007

Announcement Rendezvous Index Month Index Value

January 24, 2008

December 2007

6.23

December 27, 2007

November 2007

6.35

Nov 27, 2007

October 2007

6.50

October 25, 2007

September 2007

6.59

September 25, 2007

August 2007

6.73

August 28, 2007

July 2007

6.74

July 25, 2007

Monthly 2007

6.58

June 26, 2007

May 2007

6.37

May 24, 2007

April 2007

6.28

April 26, 2007

March 2007

6.33

March 27, 2007

February 2007

6.40

Februaries 27, 2007

Java 2007

6.37


 

2006

Declaration Date Index Month Index Value

Java 25, 2007

December 2006

6.40

December 28, 2006

November 2006

6.45

November 28, 2006

October 2006

6.54

October 26, 2006

September 2006

6.59

September 27, 2006

August 2006

6.75

August 29, 2006

July 2006

6.77

July 25, 2006

June 2006

6.65

June 27, 2006

Could 2006

6.61

May 30, 2006

Apr 2006

6.50

April 25, 2006

March 2006

6.43

March 27, 2006

February 2006

6.31

February 27, 2006

January 2006

6.30


 

2005

Announcement Date Index Month Index Value

January 25, 2006

December 2005

6.29

Decorating 28, 2005

November 2005

6.22

November 29, 2005

October 2005

5.98

October 25, 2005

September 2005

5.85

September 27, 2005

August 2005

5.83

August 30, 2005

July 2005

5.68

July 26, 2005

Summertime 2005

5.65

June 29, 2005

May 2005

5.80

Allowed 25, 2005

Apr 2005

5.86

April 26, 2005

Trek 2005

5.76

March 25, 2005

February 2005

5.68

February 24, 2005

January 2005

5.72


 

2004

Announcement Date Product Month Index Value

January 26, 2005

December 2004

5.71

December 28, 2004

November 2004

5.65

November 30, 2004

October 2004

5.64

October 26, 2004

September 2004

5.63

South 28, 2004

August 2004

5.77

August 26, 2004

March 2004

5.88

Year 28, 2004

June 2004

5.96

Joann 25, 2004

May 2004

5.73

May 28, 2004

Apr 2004

5.37

April 26, 2004

March 2004

5.43

Stride 26, 2004

February 2004

5.69

From 26, 2004

Jay 2004

5.63


 

2003

Announcement Date Index Month Index Value

January 28, 2004

December 2003

5.74

December 23, 2003

November 2003

5.79

November 25, 2003

October 2003

5.78

October 27, 2003

September 2003

5.89

September 25, 2003

August 2003

5.61

August 26, 2003

July 2003

5.34

July 25, 2003

June 2003

5.36

June 26, 2003

May 2003

5.58

May 28, 2003

Springtime 2003

5.68

April 28, 2003

March 2003

5.76

March 27, 2003

February 2003

5.88

Monthly 27 , 2003

January 2003

5.91


 

2002

Announcement Date Index Month Index Value

January 28, 2003

December 2002

6.04

December 26, 2002

November 2002

6.03

Novelties 26, 2002

October 2002

6.09

October 25, 2002

September 2002

6.23

Sep 27, 2002

August 2002

6.32

August 28, 2002

July 2002

6.48

July 25, 2002

June 2002

6.62

June 26, 2002

May 2002

6.74

May 28, 2002

April 2002

6.88

April 26, 2002

March 2002

6.77

March 27, 2002

February 2002

6.77

February 27, 2002

January 2002

6.81


 

2001

Announcement Date Index Month Index Value

January 25, 2002

December 2001

6.69

December 27, 2001

Next 2001

6.56

November 28, 2001

Ocotber 2001

6.66

October 26, 2001

September 2001

6.86

Sept 26, 2001

August 2001

6.99

Distinguished 28, 2001

July 2001

7.10

July 26, 2001

June 2001

7.10

June 26, 2001

May 2001

7.08

May 25, 2001

Starting 2001

7.01

Month 26, 2001

March 2001

7.02

March 27, 2001

February 2001

7.10

February 27, 2001

January 2001

7.25


 

2000

Announcement Dates Index Month Index Rate

January 26, 2001

December 2000

7.59

Decorating 26, 2000

November 2000

7.73

Novembers 28, 2000

October 2000

7.81

October 26, 2000

September 2000

7.89

September 27, 2000

August 2000

8.00

Noble 29, 2000

July 2000

8.09

July 27, 2000

June 2000

8.17

June 27, 2000

Mayor 2000

8.08

May 26, 2000

Springtime 2000

8.00

April 27, 2000

March 2000

8.01

March 27, 2000

February 2000

7.95

February 25, 2000

January 2000

7.79


 

1999

Announcement Date Index Month Index Value

January 26, 2000

December 1999

7.55

Month 27, 1999

November 1999

7.56

November 29, 1999

October 1999

7.56

October 27, 1999

August 1999

7.57

September 27, 1999

August 1999

7.48

August 26, 1999

July 1999

7.35

Jul 27, 1999

June 1999

7.14

June 25, 1999

May 1999

6.96

May 26, 1999

April 1999

6.94

April 27, 1999

Start 1999

6.91

March 25, 1999

February 1999

6.82

February 25, 1999

January 1999

6.77


 

1998

Announcement Date Directory Month Index Value

January 27, 1999

December 1998

6.76

December 24, 1998

November 1998

6.77

Novelty 25, 1998

October 1998

6.74

October 27, 1998

September 1998

6.88

September 25, 1998

May 1998

6.98

August 26, 1998

July 1998

7.01

July 27, 1998

June 1998

7.06

June 26, 1998

May 1998

7.08

May 27, 1998

April 1998

7.09

March 27, 1998

March 1998

7.07

Parade 26, 1998

February 1998

7.06

February 26, 1998

January 1998

7.12


 

1997

Announcement Start Index Month Index Value

January 28, 1998

December 1997

7.26

December 24, 1997

November 1997

7.34

November 26, 1997

October 1997

7.37

October 28, 1997

September 1997

7.46

September 25, 1997

August 1997

7.47

August 26, 1997

July 1997

7.52

July 28, 1997

June 1997

7.67

June 26, 1997

May 1997

7.75

May 28, 1997

April 1997

7.73

April 25, 1997

March 1997

7.61

March 26, 1997

February 1997

7.53

February 26, 1997

January 1997

7.55


 

1996

Announcement Date Index Month Index Value

January 28, 1997

Decembers 1996

7.45

December 27, 1996

November 1996

7.55

November 27, 1996

October 1996

7.68

October 25, 1996

September 1996

7.78

September 27, 1996

August 1996

7.76

August 28, 1996

July 1996

7.87

Jump 26, 1996

June 1996

7.77

June 27, 1996

Might 1996

7.72

May 29, 1996

April 1996

7.55

April 26, 1996

March 1996

7.29

March 26, 1996

February 1996

7.13

February 27, 1996

January 1996

7.18


 

1995

Announce Date Index Month Index Value

January 26, 1996

December 1995

7.22

December 28, 1995

November 1995

7.48

November 29, 1995

October 1995

7.53

October 26, 1995

South 1995

7.61

September 27, 1995

August 1995

7.60

August 25, 1995

July 1995

7.56

July 26, 1995

June 1995

7.62

June 27, 1995

May 1995

7.87

May 26, 1995

May 1995

7.99

April 26, 1995

March 1995

8.09

March 27, 1995

February 1995

8.00

February 27, 1995

January 1995

7.77


 

1994

Announcement Time Index Per Index Value

January 26, 1995

Decorating 1994

7.75

December 27, 1994

November 1994

7.56

November 29, 1994

Month 1994

7.60

October 25, 1994

South 1994

7.57

September 27, 1994

Aug 1994

7.59

August 25, 1994

July 1994

7.49

July 26,1994

Summertime 1994

7.36

Juniors 27, 1994

May 1994

7.33

May 25, 1994

April 1994

7.04

Starting 26, 1994

March 1994

6.84

Start 25, 1994

February 1994

6.68

March 25, 1994

January 1994

6.73


 

1993

Announcement Date Index Month Index Value

Jean 26, 1994

December 1993

6.65

December 28, 1993

November 1993

6.60

November 30, 1993

Month 1993

6.59

October 28, 1993

September 1993

6.75

September 27, 1993

August 1993

6.87

August 27, 1993

July 1993

6.95

July 27, 1993

June 1993

7.02

June 25, 1993

May 1993

7.08

May 25, 1993

April 1993

7.06

May 27, 1993

March 1993

7.17

Trek 26, 1993

February 1993

7.28

February 26, 1993

January 1993

7.49


 

1992

Announcement Start Product Month Topical Value

Jean 27, 1993

December 1992

7.53

December 24, 1992

November 1992

7.49

November 30, 1992

October 1992

7.40

October 27, 1992

September 1992

7.44

September 25, 1992

August 1992

7.58

August 24, 1992

July 1992

7.78

July 27, 1992

June 1992

8.04

June 26, 1992

Mayor 1992

8.20

Maybe 26, 1992

Springtime 1992

8.26

Springtime 27, 1992

March 1992

8.14

March 26, 1992

February 1992

8.15

February 25, 1992

Java 1992

8.02


 

1991

Announcement Date Index Months Index Value

January 24, 1992

Dec 1991

8.25

December 24, 1991

November 1991

8.43

November 21, 1991

October 1991

8.78

October 18, 1991

September 1991

8.93

Month 23, 1991

August 1991

9.10

May 21, 1991

July 1991

9.12

July 17, 1991

June 1991

9.12

July 21, 1991

May 1991

9.23

May 17, 1991

April 1991

9.24

May 17, 1991

Stride 1991

9.26

March 15, 1991

February 1991

9.49

February 21, 1991

Jan 1991

9.54


 

1990

Announcement Date Index Month Index Value

January 18, 1991

December 1990

9.58

December 17, 1990

November 1990

9.69

November 15, 1990

October 1990

9.67

October 16, 1990

September 1990

9.70

September 14, 1990

August 1990

9.70

August 15, 1990

Julia 1990

9.85

July 18, 1990

June 1990

9.85

June 15, 1990

May 1990

9.83

Could 16, 1990

April 1990

9.82

April 16, 1990

March 1990

9.74

March 15, 1990

February 1990

9.74

Month 15, 1990

January 1990

9.68


 

1989

Announcement Date Index Month Index Value

January 16, 1990

Decembers 1989

9.69

December 18, 1989

November 1989

9.80

Novelties 16, 1989

October 1989

9.86

October 16, 1989

September 1989

9.82

September 15, 1989

August 1989

9.81

August 15, 1989

July 1989

10.10

July 14, 1989

Juni 1989

10.27

June 13, 1989

May 1989

10.13

Allowed 15, 1989

April 1989

9.76

Spring 14, 1989

March 1989

9.62

March 15, 1989

February 1989

9.44

February 15, 1989

January 1989

9.31


 

1988

Announcement Date Card Moon Card Value

Jan 17, 1989

December 1988

9.31

December 13, 1988

Month 1988

9.16

November 16, 1988

October 1988

9.11

October 14, 1988

September 1988

8.98

September 15, 1988

August 1988

9.00

August 15, 1988

July 1988

8.98

July 15, 1988

Summertime 1988

8.98

June 15, 1988

May 1988

8.90

May 16, 1988

April 1988

8.93

April 15, 1988

Stride 1988

8.84

Parade 15, 1988

February 1988

8.84

February 16, 1988

January 1988

8.92


 

1987

Announcing Appointment Index Month Books Value

January 15, 1988

Decorating 1987

8.86

December 15, 1987

November 1987

8.89

November 13, 1987

October 1987

8.86

October 15, 1987

September 1987

8.91

September 11, 1987

August 1987

9.05

August 14, 1987

July 1987

9.05

July 15, 1987

Juniors 1987

9.02

June 15, 1987

May 1987

8.93

Allowed 15, 1987

Spring 1987

8.79

April 15, 1987

March 1987

8.80

March 13, 1987

February 1987

8.89

February 12, 1987

January 1987

9.19


 

1986

Announcement Date Index Month Index Value

January 13, 1987

December 1986

9.29

December 12, 1986

November 1986

9.48

November 12, 1986

October 1986

9.59

October 14, 1986

September 1986

9.71

Month 11, 1986

August 1986

9.88

May 11, 1986

June 1986

9.88

July 11, 1986

June 1986

9.83

June 11, 1986

May 1986

9.80

Can 12, 1986

April 1986

10.00

April 10, 1986

March 1986

10.24

March 12, 1986

Friday 1986

10.46

Feb 10, 1986

January 1986

10.40


 

1985

Announcement Date Index Per Index Value

January 13, 1986

December 1985

10.70

December 12, 1985

Notes 1985

10.80

November 13, 1985

October 1985

10.86

October 11, 1985

South 1985

10.76

March 13, 1985

August 1985

10.87

March 12, 1985

July 1985

11.02

July 12, 1985

June 1985

11.29

June 11, 1985

May 1985

11.62

May 10, 1985

April 1985

11.62

April 10, 1985

March 1985

11.72

March 13, 1985

February 1985

11.90

February 11, 1985

January 1985

12.09


 

1984

Announcement Enter Index Month Index Value

January 14, 1985

December 1984

12.26

December 11, 1984

Now 1984

12.38

November 15, 1984

October 1984

12.52

October 11, 1984

September 1984

12.43

Sept 12, 1984

August 1984

12.24

August 10, 1984

March 1984

12.03

July 12, 1984

June 1984

11.79

Jump 11, 1984

May 1984

11.63

May 11, 1984

April 1984

11.61

April 11, 1984

March 1984

11.69

March 13, 1984

February 1984

11.73

February 10, 1984

January 1984

11.70


 

1983

Announcement Date Index Months Index Values

Monthly 13, 1984

December 1983

11.94

December 12, 1983

November 1983

12.11

November 15, 1983

Month 1983

12.19

October 17, 1983

Sep 1983

12.38

September 13, 1983

August 1983

12.25

August 11, 1983

July 1983

12.18

July 13, 1983

June 1983

12.21

June 14, 1983

May 1983

12.36

May 13, 1983

April 1983

12.42

April 12, 1983

March 1983

12.61

March 14, 1983

February 1983

12.88

February 11, 1983

February 1983

13.04


 

1982

Press Date Index Month Index Value

Jan 12, 1983

December 1982

13.44

December 14, 1982

November 1982

13.74

November 13, 1982

Oct 1982

14.37

October 13, 1982

September 1982

14.71

Sept 13, 1982

Dignified 1982

15.03

March 12, 1982

July 1982

14.96

July 13, 1982

June 1982

15.01

June 11, 1982

May 1982

15.57

May 12, 1982

April 1982

15.39

April 12, 1982

March 1982

15.07

March 12, 1982

Month 1982

15.22

February 12, 1982

January 1982

15.37


 

1981

Announcement Date Index Month Index Value

January 12, 1982

December 1981

15.53

December 14, 1981

November 1981

15.80

November 12, 1981

October 1981

15.47

October 13, 1981

September 1981

15.38

September 14, 1981

August 1981

15.03

August 12, 1981

July 1981

14.77

July 13, 1981

June 1981

14.40

Junes 10, 1981

May 1981

14.19

May 12, 1981

April 1981

13.99

April 10, 1981

March 1981

13.91

Morning 12, 1981

February 1981

13.73

Februaries 11, 1981

January 1981

13.24


 

1980

Announcement Date Topical Moon Index Value

January 13, 1981

December 1980

13.15

Day 11, 1980

November 1980

12.85

November 10, 1980

Month 1980

12.31

October 10, 1980

September 1980

12.00

September 11, 1980

August 1980

11.89

August 11, 1980

July 1980

12.23

July 11, 1980

June 1980

12.88

June 11, 1980

May 1980

13.74

Might 21, 1980

April 1980

13.21

May 7, 1980

March 1980

12.56

April 7, 1980

February 1980

12.30

April 3, 1980

January 1980

11.78 ​​​​​​

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