Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-07-10 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

Fixed 30-year mortgage rates in the United States averaged 6.77 percent in the week ending July 4 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

United States Mortgage Fixed Rate: Mth Avg: 15 Year data was reported at 4.250 % pa in Oct 2018. This records an increase from the previous number of 4.080 % pa for Sep 2018. United States Mortgage Fixed Rate: Mth Avg: 15 Year data is updated monthly, averaging 5.680 % pa from Sep 1991 (Median) to Oct 2018, with 326 observations. The data reached an all-time high of 8.800 % pa in Jan 1995 and a record low of 2.660 % pa in Apr 2013. United States Mortgage Fixed Rate: Mth Avg: 15 Year data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s United States – Table US.M012: Mortgage Interest Rate.

The 10-year treasury constant maturity rate in the U.S. is forecast to increase by *** percentage points by 2027, while the 30-year fixed mortgage rate is expected to fall by *** percentage points. From *** percent in 2024, the average 30-year mortgage rate is projected to reach *** percent in 2027.

This dataset provides values for 15 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

This dataset provides values for 15 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Type of Mortgage Loan:Conventional Mortgage Loans: Backed by private investors and typically require a down payment of 20% or more.Jumbo Loans: Loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.Government-insured Mortgage Loans: Backed by the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), or U.S. Department of Agriculture (USDA).Others: Includes non-QM loans, reverse mortgages, and shared equity programs.Mortgage Loan Terms:30-year Mortgage: The most common term, offering low monthly payments but higher overall interest costs.20-year Mortgage: Offers a shorter repayment period and lower long-term interest costs.15-year Mortgage: The shortest term, providing lower interest rates and faster equity accumulation.Others: Includes adjustable-rate mortgages (ARMs) and balloons loans.Interest Rate:Fixed-rate Mortgage Loan: Offers a stable interest rate over the life of the loan.Adjustable-rate Mortgage Loan (ARM): Offers an initial interest rate that may vary after a certain period, potentially leading to higher or lower monthly payments.Provider:Primary Mortgage Lender: Originates and services mortgages directly to borrowers.Secondary Mortgage Lender: Purchases mortgages from originators and packages them into securities for sale to investors. Key drivers for this market are: Digital platforms and AI-driven credit assessments have simplified the application process, improving accessibility and borrower experience. Potential restraints include: Fluctuations in interest rates significantly impact borrowing costs, affecting loan demand and affordability. Notable trends are: The adoption of online portals and mobile apps is transforming the mortgage process with faster approvals and greater transparency.

This dataset provides values for 15 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

Graph and download economic data for 30-Year Fixed Rate Jumbo Mortgage Index (OBMMIJUMBO30YF) from 2017-01-03 to 2025-07-11 about jumbo, 30-year, fixed, mortgage, rate, indexes, and USA.

Residential Mortgage Loan Market Outlook

The global residential mortgage loan market size was valued at approximately USD 15 trillion in 2023 and is projected to reach around USD 25 trillion by 2032, growing at a compound annual growth rate (CAGR) of 6.1% over the forecast period. The primary growth drivers for this market include increasing urbanization, rising disposable incomes, and favorable government policies aimed at promoting home ownership.

One of the most significant factors contributing to the growth of the residential mortgage loan market is urbanization. As more people move to urban areas in search of better opportunities and living conditions, the demand for residential properties has surged. This urban migration has led to a corresponding increase in the demand for mortgage loans, as individuals seek financial assistance to purchase homes. Additionally, the trend of nuclear families is gaining traction, further boosting the demand for residential properties and, consequently, mortgage loans.

Rising disposable incomes and improved economic conditions have also played a crucial role in the expansion of the residential mortgage loan market. As people earn more, they are more likely to invest in real estate, viewing homeownership as a long-term investment and a means of financial security. Furthermore, low-interest rates on mortgage loans, driven by monetary policies of various countries, have made borrowing more affordable, encouraging more people to take out mortgage loans.

Government policies and initiatives aimed at promoting homeownership have significantly fueled the growth of the residential mortgage loan market. Many countries offer tax incentives, subsidies, and lower interest rates for first-time homebuyers and low-income groups. Such policies are designed to make homeownership more accessible and affordable, driving the demand for mortgage loans. Additionally, governments are increasingly collaborating with financial institutions to provide affordable housing solutions, further stimulating market growth.

On a regional level, North America and Europe have traditionally dominated the residential mortgage loan market due to their mature real estate markets and high homeownership rates. However, emerging economies in the Asia Pacific and Latin America regions are witnessing rapid growth in this sector. Factors such as increasing population, urbanization, and rising middle-class incomes are driving the demand for residential mortgage loans in these regions. Moreover, favorable government policies and a growing number of financial institutions offering mortgage products are further contributing to market expansion.

Type Analysis

The residential mortgage loan market is segmented by type into fixed-rate mortgages, adjustable-rate mortgages, interest-only mortgages, and others. Fixed-rate mortgages are the most popular type, owing to their stability and predictability. Borrowers prefer fixed-rate mortgages because they offer a consistent monthly payment plan, making it easier for them to budget and plan their finances. This stability is particularly appealing during times of economic uncertainty or fluctuating interest rates.

Adjustable-rate mortgages (ARMs), on the other hand, offer lower initial interest rates compared to fixed-rate mortgages. However, the rate can fluctuate based on market conditions, which can either be an advantage or a risk for borrowers. ARMs are often chosen by those who plan to sell or refinance their homes before the adjustable period begins. This type of mortgage is popular among borrowers who are willing to take a risk for the potential benefit of lower initial costs.

Interest-only mortgages allow borrowers to pay only the interest on the loan for a specified period, usually between five to ten years. After this period, the borrower must start paying both the principal and the interest, resulting in higher monthly payments. Interest-only mortgages are typically utilized by investors or those expecting a significant increase in income in the future. This type allows for lower initial payments, providing greater cash flow flexibility in the short term.

The 'Others' category includes various specialized mortgage products tailored to meet specific borrower needs. These can include reverse mortgages, which allow seniors to convert part of their home equity into cash, and jumbo loans, which cater to borrowers looking to finance luxury homes that exceed conforming loan limits. The diversity in mortgage types ensures that there are suitab

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2022, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. The 10-year interest rate was the lowest, at **** percent; the floating and less than one-year interest rates amounted to **** and **** percent, respectively. In early 2024, mortgage rates decreased notably. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data was reported at 3.160 % pa in Sep 2018. This stayed constant from the previous number of 3.160 % pa for Aug 2018. Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data is updated monthly, averaging 6.160 % pa from Jan 1983 (Median) to Sep 2018, with 429 observations. The data reached an all-time high of 12.420 % pa in Jan 1983 and a record low of 2.870 % pa in Jul 2013. Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data remains active status in CEIC and is reported by Monetary Authority of Singapore. The data is categorized under Global Database’s Singapore – Table SG.M001: Lending Rate.

The Japan Mortgage/Loan Brokers Market report segments the industry into By Type Of Mortgage Loan (Conventional Mortgage Loan, Jumbo Loans, Government-Insured Mortgage Loans, Other Types Of Mortgage Loan), By Mortgage Loan Terms (30- Years Mortgage, 20-Year Mortgage, 15-Year Mortgage, Other Mortgage Loan Terms), By Interest Rate (Fixed-Rate, Adjustable-Rate), and By Provider (Primary Mortgage Lender, Secondary Mortgage Lender).

Mortgage Rate in the United Kingdom decreased to 6.98 percent in June from 7.09 percent in May of 2025. This dataset provides - United Kingdom BBA Mortgage Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Bank Lending Rate in the United States remained unchanged at 7.50 percent in June. This dataset provides - United States Average Monthly Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The Canadian home lending market, valued at approximately $XX million in 2025, is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) exceeding 5% through 2033. This expansion is fueled by several key factors. Firstly, a consistently growing population and increasing urbanization are driving demand for housing, particularly in major metropolitan areas. Secondly, favorable government policies aimed at supporting homeownership, while subject to change, have historically played a crucial role. Thirdly, the prevalence of low-interest rates (though subject to fluctuations) in recent years has made mortgages more accessible to a wider range of borrowers. Finally, the diverse range of lenders, including commercial banks, financial institutions, credit unions, and online lenders, fosters competition and innovation within the market, offering consumers more choice and potentially better rates. However, the market is not without its challenges. Rising interest rates, inflation, and potential economic downturns pose significant risks to the sustained growth trajectory. Furthermore, stricter lending regulations implemented to mitigate risks within the financial system could impact affordability and accessibility for some borrowers. Market segmentation reveals a preference for fixed-rate loans and a growing adoption of online lending platforms, alongside continued reliance on traditional brick-and-mortar institutions. Key players in the market, such as HSBC Bank Canada, Tangerine Direct Bank, and others, compete aggressively to capture market share through varied product offerings and service models. The market’s long-term prospects remain positive, albeit contingent on macroeconomic stability and regulatory shifts. Continued innovation and adaptation by lenders will be crucial in navigating the evolving landscape of the Canadian home lending market. This insightful report provides a deep dive into the dynamic Canadian home lending market, analyzing key trends, growth drivers, and challenges from 2019 to 2033. With a focus on the crucial year 2025 (base and estimated year), this comprehensive study offers invaluable insights for stakeholders across the industry. We leverage data from the historical period (2019-2024) to project the market's trajectory during the forecast period (2025-2033). Keywords: Canadian mortgage market, home equity loans Canada, mortgage rates Canada, online mortgage lenders Canada, Canadian real estate finance. Recent developments include: On March 15, 2022, First Ontario Credit Union announced its merger with Heritage savings & Credit union to offer the best in financial products and services., On February 09, 2022, Hello safe announced a new partnership with Hard bacon, a personal finance application used by more than 35,000 Canadians, this partnership is to leverage Hard bacon's portfolio of comparison tools.. Notable trends are: A Rise in Home Prices Boosting Home Equity Lending Market.

Analysis of ‘ Zillow Housing Aspirations Report’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://www.kaggle.com/yamqwe/zillow-housing-aspirations-reporte on 13 February 2022.

--- Dataset description provided by original source is as follows ---

About this dataset

Additional Data Products

Product: Zillow Housing Aspirations Report

Date: April 2017

Definitions

Home Types and Housing Stock

• All Homes: Zillow defines all homes as single-family, condominium and co-operative homes with a county record. Unless specified, all series cover this segment of the housing stock.
• Condo/Co-op: Condominium and co-operative homes.
• Multifamily 5+ units: Units in buildings with 5 or more housing units, that are not a condominiums or co-ops.
• Duplex/Triplex: Housing units in buildings with 2 or 3 housing units.

Additional Data Products

• Zillow Home Value Forecast (ZHVF): The ZHVF is the one-year forecast of the ZHVI. Our forecast methodology is methodology post.
• Zillow creates our negative equity data using our own data in conjunction with data received through our partnership with TransUnion, a leading credit bureau. We match estimated home values against actual outstanding home-related debt amounts provided by TransUnion. To read more about how we calculate our negative equity metrics, please see our here.
• Cash Buyers: The share of homes in a given area purchased without financing/in cash. To read about how we calculate our cash buyer data, please see our research brief.
• Mortgage Affordability, Rental Affordability, Price-to-Income Ratio, Historical ZHVI, Historical ZHVI and Houshold Income are calculated as a part of Zillow’s quarterly Affordability Indices. To calculate mortgage affordability, we first calculate the mortgage payment for the median-valued home in a metropolitan area by using the metro-level Zillow Home Value Index for a given quarter and the 30-year fixed mortgage interest rate during that time period, provided by the Freddie Mac Primary Mortgage Market Survey (based on a 20 percent down payment). Then, we consider what portion of the monthly median household income (U.S. Census) goes toward this monthly mortgage payment. Median household income is available with a lag. For quarters where median income is not available from the U.S. Census Bureau, we calculate future quarters of median household income by estimating it using the Bureau of Labor Statistics’ Employment Cost Index. The affordability forecast is calculated similarly to the current affordability index but uses the one year Zillow Home Value Forecast instead of the current Zillow Home Value Index and a specified interest rate in lieu of PMMS. It also assumes a 20 percent down payment. We calculate rent affordability similarly to mortgage affordability; however we use the Zillow Rent Index, which tracks the monthly median rent in particular geographical regions, to capture rental prices. Rents are chained back in time by using U.S. Census Bureau American Community Survey data from 2006 to the start of the Zillow Rent Index, and Decennial Census for all other years.
• The mortgage rate series is the average mortgage rate quoted on Zillow Mortgages for a 30-year, fixed-rate mortgage in 15-minute increments during business hours, 6:00 AM to 5:00 PM Pacific. It does not include quotes for jumbo loans, FHA loans, VA loans, loans with mortgage insurance or quotes to consumers with credit scores below 720. Federal holidays are excluded. The jumbo mortgage rate series is the average jumbo mortgage rate quoted on Zillow Mortgages for a 30-year, fixed-rate, jumbo mortgage in one-hour increments during business hours, 6:00 AM to 5:00 PM Pacific Time. It does not include quotes to consumers with credit scores below 720. Traditional federal holidays and hours with insufficient sample sizes are excluded.

About Zillow Data (and Terms of Use Information)

• Zillow is in the process of transitioning some data sources with the goal of producing published data that is more comprehensive, reliable, accurate and timely. As this new data is incorporated, the publication of select metrics may be delayed or temporarily suspended. We look forward to resuming our usual publication schedule for all of our established datasets as soon as possible, and we apologize for any inconvenience. Thank you for your patience and understanding.
• All data accessed and downloaded from this page is free for public use by consumers, media, analysts, academics etc., consistent with our published Terms of Use. Proper and clear attribution of all data to Zillow is required.
• For other data requests or inquiries for Zillow Real Estate Research, contact us here.
• All files are time series unless noted otherwise.
• To download all Zillow metrics for specific levels of geography, click here.
• To download a crosswalk between Zillow regions and federally defined regions for counties and metro areas, click here.
• Unless otherwise noted, all series cover single-family residences, condominiums and co-op homes only.

Source: https://www.zillow.com/research/data/

This dataset was created by Zillow Data and contains around 200 samples along with Unnamed: 1, Unnamed: 0, technical information and other features such as: - Unnamed: 1 - Unnamed: 0 - and more.

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• Analyze Unnamed: 1 in relation to Unnamed: 0
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Acknowledgements

If you use this dataset in your research, please credit Zillow Data

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--- Original source retains full ownership of the source dataset ---

In December 2024, the yield on a 10-year U.S. Treasury note was **** percent, forecasted to decrease to reach **** percent by August 2025. Treasury securities are debt instruments used by the government to finance the national debt. Who owns treasury notes? Because the U.S. treasury notes are generally assumed to be a risk-free investment, they are often used by large financial institutions as collateral. Because of this, billions of dollars in treasury securities are traded daily. Other countries also hold U.S. treasury securities, as do U.S. households. Investors and institutions accept the relatively low interest rate because the U.S. Treasury guarantees the investment. Looking into the future Because these notes are so commonly traded, their interest rate also serves as a signal about the market’s expectations of future growth. When markets expect the economy to grow, forecasts for treasury notes will reflect that in a higher interest rate. In fact, one harbinger of recession is an inverted yield curve, when the return on 3-month treasury bills is higher than the ten-year rate. While this does not always lead to a recession, it certainly signals pessimism from financial markets.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.