National Average Mortgage Rates Mortgage rates vary depending upon the down payment of the consumer, their credit score, and the type of loan that will be acquired by the consumer. For instance, in February, 2010, the national average mortgage rate for a 30 year fixed rate loan was at 4.750 percent (5.016 APR).

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Bank Rate Mortgage Chart

The rise in home sales came as the average 30-year fixed mortgage rate has fallen more recently to 3.6 percent. chief economist at the National Association of Realtors. Prices have also been rising.

Mortgage rates can vary significantly from one state to another. Select a state to find the best mortgage rates in your state. You can then click down to the city level and view mortgage rates for.

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Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the "National average contract mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders," also.

National monthly average rates are derived from HSH’s database of 2,000 to 3,000 lenders. (3) federal housing finance board’s monthly interest rate survey, National Average Contract MortgageRate (the Contract Rate on the composite of all mortgage loans, fixed- and adjustable-rate, derived from the Federal Housing Finance Board’s (FHFB) Monthly Interest Rate Survey (MIRS).

Home mortgage rates vary depending on the type of mortgage, the type of home, and the homebuyer. For example, fixed-rate mortgages are when the borrower pays a predetermined amount of interest throughout the entire duration of the loan, usually over the course of 15 or 30 years.

Who Sets Mortgage Interest Rates

chief economist of the National Association of Realtors. That would put the rate just a smidge below the 3.31% seen in November of 2012 – the lowest average for a 30-year fixed mortgage in Freddie Mac.