Rutgers (NJ) University Press is the publisher of A History of Interest Rates by Homer & Sylla. Google it and you can buy it on Amazon. According to the authors, the average mortgage rate in 1945 was 4.7%. I'm no youngster, and I came along in '48.
4.7% for a 30 year fixed rate? I locked a client this past week on a cashout refinance at 4.75% on a 30 year fixed rate mortgage, at less than 60% loan to value. 1 point origination, no discount points. No junk fees. That was Thursday, and the next day, that rate had evaporated.
Friday, rates were up again, but I believe they will ease this coming week. I'll come back and let you know whether I'm a hero or a goat!
Call me if I can help you with a purchase or refi mortgage;