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

 

Index Rate

Index

Current Margins

After 10/01/2022

5 Year

10 Year

15 Year

4.3%

4.3%

4.3%

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

4.4%

4.4%

4.4%

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%		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%		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%