Title

Historic SELF Refi Loan Interest Rates

Body

Variable interest rates for current and previous years are listed below.

Widgets

Current Index and Margin Information

Term

 IndexCurrent Margins
After 10/01/2022

5 Year

10 Year

15 Year

3-Month SOFR

3-Month SOFR

3-Month SOFR

2.50%

3.25%

3.75%

Prior to 10/01/2022

5 Year

10 Year

15 Year

1-Month IBOR

1-Month IBOR

1-Month IBOR

2.40%

3.05%

3.75%

Historic Variable Rates by Year

Issued after 10/01/2022 based on SOFR index

YearTermQ1Q2Q3Q4
20255 Year
10 Year
15 Year		6.80%
7.55%
8.05%		6.80%
7.55%
8.05%		  
20245 Year
10 Year
15 Year		7.90%
8.65%
9.15%		7.90%
8.65%
9.15%		7.90%
8.65%
9.15%		7.20%
7.95%
8.45%
20235 Year
10 Year
15 Year		7.00%
7.75%
8.25%		7.30%
8.05%
8.55%		7.70%
8.45%
8.95%		7.90%
8.65%
9.15%
20225 Year
10 Year
15 Year		   6.00%
6.75%
7.25%

Historic Variable Rates by Year - Issued prior to 10/01/2022 based on LIBOR index. Starting October 1, 2023 index is based on one-month United States Dollar IBOR Consumer Cash Fallbacks (CME Term SOFR).

Issued prior to 10/01/2022 based on LIBOR index

YearTermQ1Q2Q3Q4
20255 Year
10 Year
15 Year		7.10%
7.75%
8.45%		6.80%
7.45%
8.15%		  
20245 Year
10 Year
15 Year		7.80%
8.45%
9.15%		7.80%
8.45%
9.15%		7.80%
8.45%
9.15%		7.80%
8.45%
9.15%
20235 Year
10 Year
15 Year		6.20%
6.85%
7.55%		7.00%
7.65%
8.35%		7.50%
8.15%
8.85%		7.80%
8.45%
9.15%
20225 Year
10 Year
15 Year		2.50%
3.15%
3.85%		2.60%
3.25%
3.95%		3.30%
3.95%
4.65%		4.80%
5.45%
6.15%
20215 Year
10 Year
15 Year		2.50%
3.15%
3.85%		2.50%
3.15%
3.85%		2.50%
3.15%
3.85%		2.50%
3.15%
3.85%
20205 Year
10 Year
15 Year		4.20%
4.85%
5.55%		3.9%
4.55%
5.25%		2.80%
3.45%
4.15%		2.6%
3.25%
3.95%

All interest rates were 0% from 3-13-20 through 9-30-20 due to COVID-19.

20195 Year
10 Year
15 Year		4.70%
5.35%
6.05%		4.90%
5.55%
6.25%		4.80%
5.45%
6.15%		4.60%
5.25%
5.95%
20185 Year
10 Year
15 Year		4.00%
4.65%
5.35%		4.00%
4.65%
5.35%		4.40%
5.05%
5.75%		4.50%
5.15%
5.85%
20175 Year
10 Year
15 Year		3.30%
3.95%
4.65%		3.50%
4.15%
4.85%		3.70%
4.35%
5.05%		3.90%
4.55%
5.25%
20165 Year
10 Year
15 Year		3.00%
3.65%
4.35%		3.20%
3.85%
4.55%		3.20%
3.85%
4.55%		3.20%
3.85%
4.55%
20155 Year
10 Year
15 Year

 

 

 		3.00%
3.65%
4.35%