Monthly Average On 30-Year Fixed-Rate Mortgages since 1971 – Affinity Bank

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Monthly Average On 30-Year Fixed-Rate Mortgages since 1971

	2022		2021		2020		2019		2018
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	3.45	0.7	2.74	0.7	3.62	0.7	4.46	0.5	4.03	0.5
February	3.76	0.8	2.81	0.7	3.47	0.7	4.37	0.5	4.33	0.6
March	4.17	0.8	3.08	0.7	3.45	0.7	4.27	0.5	4.44	0.5
April			3.06	0.7	3.31	0.7	4.14	0.5	4.47	0.5
May			2.96	0.7	3.23	0.7	4.07	0.5	4.59	0.4
June			2.98	0.7	3.16	0.8	3.8	0.5	4.57	0.5
July			2.87	0.7	3.02	0.8	3.77	0.6	4.53	0.5
August			2.84	0.7	2.94	0.8	3.62	0.5	4.55	0.5
September			2.9	0.7	2.89	0.8	3.61	0.5	4.63	0.5
October			3.07	0.7	2.83	0.7	3.69	0.6	4.83	0.5
November			3.07	0.7	2.77	0.7	3.7	0.6	4.87	0.5
December			3.1	0.6	2.68	0.7	3.72	0.7	4.64	0.5
Annual Average	3.79	0.8	2.96	0.7	3.11	0.7	3.94	0.5	4.54	0.5

	2017		2016		2015		2014		2013
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	3.92	0.8	4.76	0.8	5.03	0.7	5.05	0.7	5.76	0.4
February	3.89	0.8	4.95	0.7	4.99	0.7	5.13	0.7	5.92	0.5
March	3.95	0.8	4.84	0.7	4.97	0.7	5	0.7	5.97	0.5
April	3.91	0.7	4.84	0.7	5.1	0.7	4.81	0.7	5.92	0.4
May	3.8	0.8	4.64	0.7	4.89	0.7	4.86	0.7	6.04	0.5
June	3.68	0.7	4.51	0.7	4.74	0.7	5.42	0.7	6.32	0.7
July	3.55	0.7	4.55	0.7	4.56	0.7	5.22	0.7	6.43	0.6
August	3.6	0.6	4.27	0.7	4.43	0.7	5.19	0.7	6.48	0.7
September	3.5	0.6	4.11	0.7	4.35	0.7	5.06	0.7	6.04	0.7
October	3.38	0.7	4.07	0.8	4.23	0.8	4.95	0.7	6.2	0.6
November	3.35	0.7	3.99	0.7	4.3	0.8	4.88	0.7	6.09	0.7
December	3.35	0.7	3.96	0.7	4.71	0.7	4.93	0.7	5.29	0.7
Annual Average	3.66	0.7	4.45	0.7	4.69	0.7	5.04	0.7	6.03	0.6

	2012		2011		2010		2009		2008
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	3.92	0.8	4.76	0.8	5.03	0.7	5.05	0.7	5.76	0.4
February	3.89	0.8	4.95	0.7	4.99	0.7	5.13	0.7	5.92	0.5
March	3.95	0.8	4.84	0.7	4.97	0.7	5	0.7	5.97	0.5
April	3.91	0.7	4.84	0.7	5.1	0.7	4.81	0.7	5.92	0.4
May	3.8	0.8	4.64	0.7	4.89	0.7	4.86	0.7	6.04	0.5
June	3.68	0.7	4.51	0.7	4.74	0.7	5.42	0.7	6.32	0.7
July	3.55	0.7	4.55	0.7	4.56	0.7	5.22	0.7	6.43	0.6
August	3.6	0.6	4.27	0.7	4.43	0.7	5.19	0.7	6.48	0.7
September	3.5	0.6	4.11	0.7	4.35	0.7	5.06	0.7	6.04	0.7
October	3.38	0.7	4.07	0.8	4.23	0.8	4.95	0.7	6.2	0.6
November	3.35	0.7	3.99	0.7	4.3	0.8	4.88	0.7	6.09	0.7
December	3.35	0.7	3.96	0.7	4.71	0.7	4.93	0.7	5.29	0.7
Annual Average	3.66	0.7	4.45	0.7	4.69	0.7	5.04	0.7	6.03	0.6

	2007		2006		2005		2004		2003
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	6.22	0.4	6.15	0.5	5.71	0.7	5.71	0.7	5.92	0.6
February	6.29	0.4	6.25	0.6	5.63	0.7	5.64	0.7	5.84	0.6
March	6.16	0.4	6.32	0.6	5.93	0.7	5.45	0.7	5.75	0.6
April	6.18	0.5	6.51	0.6	5.86	0.6	5.83	0.7	5.81	0.6
May	6.26	0.4	6.6	0.5	5.72	0.6	6.27	0.7	5.48	0.6
June	6.66	0.4	6.68	0.5	5.58	0.6	6.29	0.6	5.23	0.6
July	6.7	0.4	6.76	0.5	5.7	0.5	6.06	0.6	5.63	0.5
August	6.57	0.4	6.52	0.4	5.82	0.5	5.87	0.7	6.26	0.7
September	6.38	0.5	6.4	0.5	5.77	0.6	5.75	0.7	6.15	0.6
October	6.38	0.5	6.36	0.4	6.07	0.5	5.72	0.7	5.95	0.6
November	6.21	0.4	6.24	0.5	6.33	0.6	5.73	0.6	5.93	0.6
December	6.1	0.5	6.14	0.4	6.27	0.5	5.75	0.6	5.88	0.7
Annual Average	6.34	0.4	6.41	0.5	5.87	0.6	5.84	0.7	5.83	0.6

	2002		2001		2000		1999		1998
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	7	0.8	7.03	0.9	8.21	1	6.79	0.9	6.99	1.4
February	6.89	0.7	7.05	1	8.33	1	6.81	1	7.04	1.2
March	7.01	0.7	6.95	0.9	8.24	1	7.04	0.9	7.13	1.2
April	6.99	0.7	7.08	0.9	8.15	1	6.92	1	7.14	1
May	6.81	0.7	7.15	1	8.52	1	7.15	1	7.14	1.1
June	6.65	0.6	7.16	1	8.29	0.9	7.55	1	7	1
July	6.49	0.6	7.13	0.9	8.15	0.9	7.63	1	6.95	1.1
August	6.29	0.6	6.95	0.9	8.03	1	7.94	1	6.92	1.1
September	6.09	0.6	6.82	0.9	7.91	1	7.82	1	6.72	1
October	6.11	0.6	6.62	0.9	7.8	1	7.85	1	6.71	0.9
November	6.07	0.6	6.66	0.8	7.75	0.9	7.74	1	6.87	0.9
December	6.05	0.6	7.07	0.8	7.38	1	7.91	1	6.74	1
Annual Average	6.54	0.6	6.97	0.9	8.05	1	7.44	1	6.94	1.1

	1997		1996		1995		1994		1993
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	7.82	1.8	7.03	1.8	9.15	1.8	7.07	1.7	7.99	1.6
February	7.65	1.7	7.08	1.7	8.83	1.9	7.15	1.8	7.68	1.5
March	7.9	1.8	7.62	1.8	8.46	1.8	7.68	1.7	7.5	1.6
April	8.14	1.7	7.93	1.8	8.32	1.9	8.32	1.8	7.46	1.7
May	7.94	1.7	8.07	1.7	7.96	1.8	8.6	1.8	7.47	1.8
June	7.69	1.7	8.32	1.7	7.57	1.8	8.4	1.8	7.42	1.6
July	7.5	1.8	8.25	1.8	7.61	1.8	8.61	1.8	7.21	1.6
August	7.48	1.7	8	1.7	7.86	1.8	8.51	1.8	7.11	1.5
September	7.43	1.7	8.23	1.7	7.64	1.8	8.64	1.8	6.91	1.5
October	7.29	1.7	7.92	1.7	7.48	1.9	8.93	1.8	6.83	1.5
November	7.21	1.7	7.62	1.8	7.38	1.8	9.17	1.8	7.16	1.6
December	7.1	1.8	7.6	1.7	7.2	1.8	9.2	1.8	7.17	1.7
Annual Average	7.6	1.7	7.81	1.7	7.93	1.8	8.38	1.8	7.31	1.6

	1992		1991		1990		1989		1988
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	8.43	1.8	9.64	2.1	9.9	2.1	10.73	2.1	10.38	2
February	8.76	1.8	9.37	2	10.2	2.1	10.65	2.2	9.89	2.1
March	8.94	1.9	9.5	2.1	10.27	2.1	11.03	2.2	9.93	2
April	8.85	1.7	9.5	2	10.37	2.1	11.05	2.2	10.2	2.1
May	8.67	1.7	9.47	2	10.48	2	10.77	2.1	10.46	2.1
June	8.51	1.7	9.62	2.1	10.16	2	10.2	2.1	10.46	2
July	8.13	1.6	9.58	2	10.04	2	9.88	2.1	10.43	2
August	7.98	1.7	9.24	1.9	10.1	2	9.99	2.1	10.6	2.2
September	7.92	1.7	9.01	1.9	10.18	2.1	10.13	2	10.48	2.1
October	8.09	1.8	8.86	1.9	10.17	2.2	9.95	2	10.3	1.9
November	8.31	1.9	8.71	1.8	10.01	2.1	9.77	2	10.27	2.1
December	8.21	1.6	8.5	1.8	9.67	1.9	9.74	2	10.61	2.1
Annual Average	8.39	1.7	9.25	2	10.13	2.1	10.32	2.1	10.34	2.1

	1987		1986		1985		1984		1983
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	9.2	2.2	10.89	2.3	13.08	2.5	13.37	2.3	13.25	2.2
February	9.08	2.1	10.71	2.3	12.92	2.4	13.23	2.4	13.04	2
March	9.04	2.1	10.08	2.3	13.17	2.6	13.39	2.4	12.8	2.2
April	9.83	2.3	9.94	2.2	13.2	2.6	13.65	2.4	12.78	2.1
May	10.6	2.3	10.15	2.3	12.91	2.5	13.94	2.5	12.63	2.1
June	10.54	2.2	10.69	2.3	12.22	2.5	14.42	2.5	12.87	2.1
July	10.28	2.2	10.51	2.2	12.03	2.5	14.67	2.6	13.43	2.2
August	10.33	2.1	10.2	2.1	12.19	2.6	14.47	2.6	13.81	2.2
September	10.89	2.2	10.01	2.2	12.19	2.6	14.35	2.6	13.73	2.2
October	11.26	2.2	9.98	2.1	12.14	2.5	14.13	2.6	13.54	2.1
November	10.65	2.1	9.7	2	11.78	2.4	13.64	2.5	13.44	2.1
December	10.64	2.1	9.32	2.1	11.26	2.3	13.18	2.5	13.42	2.2
Annual Average	10.21	2.2	10.19	2.2	12.43	2.5	13.88	2.5	13.24	2.1

	1982		1981		1980		1979		1978
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	17.48	2.2	14.9	2	12.88	1.6	10.39	1.5	9.01	1.3
February	17.6	2.2	15.13	2	13.04	1.6	10.41	1.5	9.14	1.3
March	17.16	2.2	15.4	2	15.28	2	10.43	1.5	9.2	1.3
April	16.89	2.3	15.58	2	16.32	1.9	10.5	1.5	9.35	1.3
May	16.68	2.3	16.4	2.1	14.26	1.9	10.69	1.6	9.57	1.3
June	16.7	2.2	16.7	2.1	12.71	1.8	11.04	1.6	9.71	1.4
July	16.82	2.2	16.83	2.1	12.19	1.8	11.09	1.7	9.74	1.4
August	16.27	2.3	17.28	2.1	12.56	1.7	11.09	1.7	9.78	1.3
September	15.43	2.3	18.16	2.1	13.2	1.7	11.3	1.6	9.76	1.3
October	14.61	2.2	18.45	2.3	13.79	1.7	11.64	1.7	9.86	1.2
November	13.82	2.2	17.82	2.1	14.21	1.7	12.83	1.7	10.11	1.2
December	13.62	2.2	16.95	2.1	14.79	1.7	12.9	1.6	10.35	1.4
Annual Average	16.04	2.2	16.63	2.1	13.74	1.8	11.2	1.6	9.64	1.3

	1977		1976		1975		1974		1973
	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts	Rate	Pts
January	8.72	1.1	9.02	1.1	9.43	1.2	8.54	1	7.44	0.9
February	8.67	1.1	8.81	1	9.1	1.2	8.46	1	7.44	1
March	8.69	1.2	8.76	1.3	8.89	1.1	8.41	1	7.46	0.9
April	8.75	1.1	8.73	1.3	8.82	1	8.58	1	7.54	0.9
May	8.83	1.1	8.76	1.3	8.91	1.1	8.97	1.1	7.65	0.9
June	8.86	1.1	8.85	1.3	8.89	1	9.09	1.2	7.73	0.9
July	8.94	1.1	8.93	1.2	8.89	1.1	9.28	1.3	8.05	1
August	8.94	1.1	9	1.2	8.94	1.1	9.59	1.3	8.5	1
September	8.9	1.1	8.98	1.2	9.12	1.1	9.96	1.4	8.82	1.1
October	8.92	1.2	8.92	1.2	9.22	1.1	9.98	1.5	8.77	1.1
November	8.92	1.1	8.81	1.3	9.15	1.1	9.79	1.4	8.58	1
December	8.96	1.2	8.79	1.2	9.1	1.1	9.62	1.3	8.54	1
Annual Average	8.85	1.1	8.87	1.2	9.05	1.1	9.19	1.2	8.04	1

	1972		1971
	Rate	Pts	Rate	Pts
January	7.44	1	na	na
February	7.32	0.9	na	na
March	7.29	0.9	na	na
April	7.29	0.9	7.31	na
May	7.37	0.9	7.43	na
June	7.37	0.9	7.53	na
July	7.4	0.9	7.6	na
August	7.4	0.9	7.7	na
September	7.42	1	7.69	na
October	7.42	1	7.63	na
November	7.43	1	7.55	na
December	7.44	1	7.48	na
Annual Average	7.38	0.9	na	na

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