Historic Mortgage Rates: From 1981 to 2019 and Their Impact. – U.S. historical mortgage rates from the early 1970s to 2019 have been on. rates to historic highs – so high, in fact, that the going 30-year fixed.

Now – instead of seeing mortgage rates edge closer to 5.25 percent as some had predicted we’d see in 2019 – we’re looking at an average 30-year rate near 4 percent. The rate drop comes just in time.