Average interest rates for home loans in 2013 vary by the duration of the loan, as reported by the Federal Home Loan Mortgage Corporation, also known as Freddie Mac. The average annual interest rate for a 30-year fixed mortgage, for example, was 2.98, notes Freddie Mac.
Other types of loans had different interest rates in 2013. The average also varied by month. For example, in March 2013, a 15-year fixed-rate home loan had an average interest rate of 3.3 percent, notes the Wall Street Journal. Many people in the industry consider 2013 to have been a favorable year for low mortgage rates, as stated in the Wall Street Journal.