| was looking at 30-year rates somewhere | 2.719 | Jump to 35.36 |  |  | 
              
                
                  | three and a half percent historically | 3.761 | Jump to 38.079 | 
                      
                        
                      
                        DATE
                      
                      
                        three and a half percent
                      
                     |  | 
              
                
                  | low uh even as low as three percent in | 3.68 | Jump to 39.84 |  |  | 
              
                
                  | back to seeing rates over four percent | 5.6 | Jump to 76.24 | 
                      
                        
                      
                        PERCENT
                      
                      
                        over four percent
                      
                     |  | 
              
                
                  | you're expecting in 2022 depending on | 4.32 | Jump to 90.32 |  |  | 
              
                
                  | refinance in 2021 were not given the | 5.359 | Jump to 100.4 |  |  | 
              
                
                  | during 2020 because of the pandemic so | 4.64 | Jump to 105.759 |  |  | 
              
                
                  | tax returns in 2022 showing that their | 4.72 | Jump to 110.399 |  |  | 
              
                
                  | going to refinance call it a three and a | 3.76 | Jump to 117.2 |  |  | 
              
                
                  | quarter maybe three and a half percent | 4.48 | Jump to 118.88 | 
                      
                        
                      
                        DATE
                      
                      
                        three and a half percent
                      
                     |  | 
              
                
                  | year and a half two years and you know | 3.92 | Jump to 171.92 |  |  | 
              
                
                  | housing crisis you know back in 06 | 4.96 | Jump to 212.48 |  |  | 
              
                
                  | most part no longer offering 100 | 4.64 | Jump to 237.12 |  |  | 
              
                
                  | the housing market back in 2006 because | 4.08 | Jump to 244.0 |  |  | 
              
                
                  | the past year what almost 18 in the past | 5.04 | Jump to 264.96 |  |  |