Graph and download economic data for 30-Year Fixed Rate Conforming Non-Adjusted Mortgage Index (OBMMIC30YFNA) from 2017-01-03 to 2025-07-21 about 30-year, fixed, mortgage, rate, indexes, and USA.

After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

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.

Graph and download economic data for Contract Rate on 30-Year, Fixed-Rate Conventional Home Mortgage Commitments (DISCONTINUED) (WMORTG) from 1971-04-02 to 2004-01-02 about conventional, 30-year, mortgage, interest rate, interest, rate, and USA.

Graph and download economic data for 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Less Than or Equal to 80, FICO Score Greater Than 740 (OBMMIC30YFLVLE80FGE740) from 2017-01-03 to 2025-07-18 about score, 30-year, fixed, mortgage, rate, indexes, and USA.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

This index includes rate locks from U.S. Department of Agriculture loans.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

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.

This index includes rate locks from U.S. Department of Veterans Affairs loans.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

In May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.

Graph and download economic data for Market Yield on U.S. Treasury Securities at 30-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed from 2010-02-22 to 2025-07-18 about TIPS, 30-year, maturity, securities, Treasury, interest rate, interest, real, rate, and USA.

United States WAS: Contract Rate: FRM 30-Year data was reported at 5.120 % in 23 Nov 2018. This records a decrease from the previous number of 5.160 % for 16 Nov 2018. United States WAS: Contract Rate: FRM 30-Year data is updated weekly, averaging 6.220 % from Jan 1990 (Median) to 23 Nov 2018, with 1508 observations. The data reached an all-time high of 10.560 % in 27 Apr 1990 and a record low of 3.470 % in 07 Dec 2012. United States WAS: Contract Rate: FRM 30-Year data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

The yield on US 30 Year Bond Yield rose to 4.94% on July 23, 2025, marking a 0.02 percentage point increase from the previous session. Over the past month, the yield has edged up by 0.10 points and is 0.39 points higher than a year ago, according to over-the-counter interbank yield quotes for this government bond maturity. United States 30 Year Bond Yield - values, historical data, forecasts and news - updated on July of 2025.

United States WAS: Effective Rate: FRM 30-Year data was reported at 5.290 % in 16 Nov 2018. This records a decrease from the previous number of 5.330 % for 09 Nov 2018. United States WAS: Effective Rate: FRM 30-Year data is updated weekly, averaging 6.460 % from Jan 1990 (Median) to 16 Nov 2018, with 1507 observations. The data reached an all-time high of 11.070 % in 27 Apr 1990 and a record low of 3.570 % in 07 Dec 2012. United States WAS: Effective Rate: FRM 30-Year data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

United States Interest Rate Swaps: Mth Avg: 30 Year data was reported at 3.241 % pa in Oct 2018. This records an increase from the previous number of 3.082 % pa for Sep 2018. United States Interest Rate Swaps: Mth Avg: 30 Year data is updated monthly, averaging 4.268 % pa from Jul 2000 (Median) to Oct 2018, with 220 observations. The data reached an all-time high of 7.199 % pa in Jul 2000 and a record low of 1.751 % pa in Aug 2016. United States Interest Rate Swaps: Mth Avg: 30 Year data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.M014: Interest Rate: Swaps Rates.

The average mortgage interest rate decreased in nearly every country in Europe between 2012 and 2021, followed by an increase in response to inflation. In the fourth quarter of 2024, Poland, Hungary, and Romania topped the ranking as the countries with the highest mortgage interest rates in Europe. Conversely, Belgium, Spain, and Italy displayed the lowest interest rates. The UK, which is the country with the largest value of mortgages outstanding, had an interest rate of **** percent.

Graph and download economic data for 30-Year Swap Rate (DISCONTINUED) (RIFLDIY30NA) from 2000 to 2015 about swaps, 30-year, interest rate, interest, rate, and USA.

Graph and download economic data for 30-Year Fixed Rate Mortgage Average in the Northeast Freddie Mac Region (DISCONTINUED) (MORTGAGE30NE) from 1976-03-26 to 2015-12-31 about Northeast Freddie Mac Region, 30-year, fixed, mortgage, rate, and USA.

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.