The average rate on a 30-year mortgage peaked in 1981, rising to roughly 16 percent. The average 30-year rate bottomed in 2021 at just under 3 percent. Today, a typical 30-year mortgage is similar to rates seen in the later 1990s, in the 7 percent range. We are expecting rates to trend down more aggressively later this year. Interest rates/mortgage rates are a big piece of the puzzle in terms of...