History for a decision
you make today.
Historic Mortgage Rates is an independent educational project from Lofink Labs. We bring historical U.S. mortgage benchmarks and a transparent payment illustration together in one place.
The idea is simple: a headline may tell you whether rates moved this week, but a longer view helps you understand the reference point. Enter your own numbers, explore the timeline, and see exactly what is being compared.
Our approach
- Use original, identified sources and show their observation dates.
- Keep mortgage benchmarks distinct from personalized lender offers.
- Show the assumptions and exclusions behind each calculation.
- Keep the calculator free to use and reserve separate, clearly labeled spaces for advertising.
We do not issue mortgages, collect loan applications, recommend lenders, or predict future rates. Our tools are for education and planning; decisions should use current lender disclosures and advice appropriate to your situation.