Interest rates increased by 4 basis points from Dec 2021 to Dec 2022.[1] So a 3% loan then would be a 7% loan now or a 5% loan then would be a 9% loan now. The starting rate would depend on your credit score or other factors.
1) A basis point is 0.01%. 2) We should count the rate increase from the contracted delivery date to actual delivery date, i.e. one month instead of 12 months.
Citation: [1] https://fred.stlouisfed.org/series/FEDFUNDSLa