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Average Mortgage Rate History

Reference Table

30-year fixed mortgage rate averages from 2000 to 2025 (Freddie Mac PMMS data).

About This Tool

Mortgage rates are primarily driven by the 10-year Treasury yield plus a spread reflecting lender risk. The spread widened significantly in 2022–2024 compared to historical norms. Rates hit a 40-year high of ~7.8% in October 2023 before retreating slightly.

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