[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-565113-105":53,"doc-detail-565113-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","interest-rates-a-historical-perspective","Interest Rates - A Historical Perspective","","This document provides a comprehensive historical analysis of FHLMC 30-year fixed mortgage interest rates spanning five decades from 1972 to 2022. It presents a detailed table of annual average interest rates and a visual bar chart illustrating the fluctuation of these rates over time. The report highlights extreme market conditions, noting the peak interest rate of 18.45% in 1981 and the historic low of 2.74% in 2021. Authored by Desert Empire Mortgage, the document serves as a financial reference for stakeholders monitoring long-term residential and commercial lending trends in the United States, offering perspective on the volatility and cycles of the national mortgage market.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/interest-rates-a-historical-perspective/565113/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/interest-rates-a-historical-perspective/565113.png","ImageObject",442,249,{"name":88,"@type":89},"Nguyễn Văn Học","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-22","2026-10-12",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",7,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What was the highest 30-year fixed mortgage interest rate recorded in the past 50 years?","Question",{"text":109,"@type":110},"The highest average nationwide FHLMC 30-year fixed interest rate was 18.45%, recorded in October 1981.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What was the lowest recorded interest rate mentioned in the report?",{"text":114,"@type":110},"The lowest average nationwide FHLMC 30-year fixed interest rate over the past 50 years was 2.74%, occurring in January 2021.",{"name":116,"@type":107,"acceptedAnswer":117},"What is the average interest rate high over the past 50 years according to the document?",{"text":118,"@type":110},"The document notes that the average interest rate high over the past 50 years is 8.32%.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},565113,1792107672,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":4},1374402739827,"https://ap-avatar.wpscdn.com/avatar/14000c97e7351f1a627?x-image-process=image/resize,m_fixed,w_180,h_180&k=1787885694763230660","| Year | Rate |\n| --- | --- |\n| 1972 |  |\n|  | 7.44 |\n| 1973 | 8.82 |\n| 1974 | 9.98 |\n| 1975 | 9.43 |\n| 1976 | 9.02 |\n| 1977 | 8.96 |\n| 1978 | 9.86 |\n| 1979 | 12.9 |\n| 1980 | 14.79 |\n| 1981 | 18.45 |\n| 1982 | 16.89 |\n| 1983 | 13.81 |\n| 1984 | 14.67 |\n| 1985 | 13.2 |\n| 1986 | 10.89 |\n| 1987 | 11.26 |\n| 1988 | 10.6 |\n| 1989 | 11.05 |\n| 1990 | 10.48 |\n| 1991 | 9.62 |\n| 1992 | 8.94 |\n| 1993 | 7.99 |\n| 1994 | 9.2 |\n| 1995 | 9.15 |\n| 1996 | 8.32 |\n| 1997 | 8.14 |\n| 1998 | 7.14 |\n| 1999 | 7.94 |\n| 2000 | 8.52 |\n| 2001 | 7.16 |\n| 2002 | 7 |\n| 2003 | 6.15 |\n| 2004 | 6.29 |\n| 2005 | 6.33 |\n| 2006 | 6.76 |\n| 2007 | 6.7 |\n| 2008 | 6.48 |\n| 2009 | 5.42 |\n| 2010 | 5.1 |\n| 2011 | 4.95 |\n| 2012 | 3.95 |\n| 2013 | 4.49 |\n| 2014 | 4.43 |\n| 2015 | 4.05 |\n| 2016 | 4.2 |\n| 2017 | 4.17 |\n| 2018 | 4.87 |\n| 2019 | 4.46 |\n| 2020 | 3.62 |\n| 2021 | 3.08 |\n| 2022 | 7.15 |\n\nNovember 2022  \nMortgage 30 year fixed rate FHLMC Interest Rate Highs Over Time  \nA Historical Perspective  \nDesert Empire Mortgage Scott J. Simmons 760-831-0044 direct  \n[Scott@DesertEmpireMortgage.com](Scott@DesertEmpireMortgage.com)[ ](Scott@DesertEmpireMortgage.com)[www.DesertEmpireMortgage.com](www.DesertEmpireMortgage.com)  \nInterest Rates %  \nThe highest average nationwide FHLMC 30 year fixed  \ninterest rate over the past 50 years  \nwas 18.45% in October of 1981. The lowest average nationwide FHLMC 30 year fixed  \ninterest rate over the past 50 years  \nwas 2.74% in January of 2021.  \nDesert Empire Mortgage  \nScott J. Simmons  \nCommercial Property Financing Residential Home Loans  \n760-327-2254 office 760-831-0044 cell  \n[Scott@DesertEmpireMortgage.com](Scott@DesertEmpireMortgage.com)[ ](Scott@DesertEmpireMortgage.com)1111 East Tahquitz Canyon Way Suite \\#121  \nPalm Springs, California 92262 [www.DesertEmpireMortgage.com](www.DesertEmpireMortgage.com)  \nNMLS \\#224869 CalBRE \\#00909344  \nThe Average interest rate high over the past 50 years is  \n8.32%","cbCaivU6iBO2L6sy","https://ap.wps.com/l/cbCaivU6iBO2L6sy","pdf",1240242,"English","# Historical Interest Rate Data\n## Analysis of Mortgage Trends\n## Contact Information","[{\"question\":\"What was the highest 30-year fixed mortgage interest rate recorded in the past 50 years?\",\"answer\":\"The highest average nationwide FHLMC 30-year fixed interest rate was 18.45%, recorded in October 1981.\"},{\"question\":\"What was the lowest recorded interest rate mentioned in the report?\",\"answer\":\"The lowest average nationwide FHLMC 30-year fixed interest rate over the past 50 years was 2.74%, occurring in January 2021.\"},{\"question\":\"What is the average interest rate high over the past 50 years according to the document?\",\"answer\":\"The document notes that the average interest rate high over the past 50 years is 8.32%.\"}]","Interest Rates - A Historical Perspective | PDF",1791846728]