The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations, amounted to 190 billion U.S. dollars in the fourth quarter of 2024, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 304 billion U.S. dollars in the fourth quarter of 2024. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment, and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

Mortgage Originations in the United States decreased to 425.63 Billion USD in the first quarter of 2025 from 465.35 Billion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Mortgage Originations.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by Credit Score: 30-Year Fixed Rate Mortgage: >=740 Credit Score (RCMFLRIGIRAPCTF30SGTE740) from Q3 2012 to Q1 2025 about score, FR Y-14M, origination, 30-year, large, fixed, credits, mortgage, average, consumer, interest rate, banks, interest, depository institutions, rate, and USA.

Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States was 0.90% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States reached a record high of 2.70 in July of 1984 and a record low of 0.30 in July of 2006. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States - last updated from the United States Federal Reserve on July of 2025.

Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States was 1.00% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States reached a record high of 2.00 in January of 1992 and a record low of 0.30 in August of 2006. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States - last updated from the United States Federal Reserve on July of 2025.

Mortgage Application in the United States decreased by 3.80 percent in the week ending July 25 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

In the fourth quarter of 2024, the refinance mortgage originations of one-to-four family housing in the United States rose to approximately 190 billion U.S. dollars. This was substantially higher than the recent market dip to 46 billion U.S. dollars in the final quarter of 2021. Nevertheless, the increase was shy from the volumes observed during the 2020-2021 peak, when refinancing activity surged due to low mortgage interest rates. Refinance mortgage originations were less than 39 percent of total mortgage originations in the fourth quarter of 2023.

Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States was 0.20% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States reached a record high of 0.90 in March of 2008 and a record low of 0.00 in August of 2022. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States - last updated from the United States Federal Reserve on August of 2025.

MBA Mortgage Market Index in the United States decreased to 245.70 points in July 25 from 255.50 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

Graph and download economic data for Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States (DISCONTINUED) (MORTPTS5US) from 2005-01-06 to 2022-11-10 about points, discount, fees, origination, adjusted, mortgage, 5-year, rate, and USA.

Graph and download economic data for Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the Northeast Freddie Mac Region (DISCONTINUED) (MORTPTS15NE) from 1991-08-30 to 2015-12-31 about Northeast Freddie Mac Region, points, 15-year, discount, fees, origination, fixed, mortgage, rate, and USA.

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, interest rate, interest, 5-year, rate, and USA.

Graph and download economic data for Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the West Freddie Mac Region (DISCONTINUED) (MORTPTS30W) from 1976-03-26 to 2015-12-31 about West Freddie Mac Region, points, discount, fees, origination, 30-year, fixed, mortgage, rate, and USA.

Price-To-Sales-Ratio Time Series for Ellington Financial Inc.. Ellington Financial Inc., through its subsidiary, Ellington Financial Operating Partnership LLC, acquires and manages mortgage-related, consumer-related, corporate-related, and other financial assets in the United States. It operates in two segments, Investment Portfolio and Longbridge. The company acquires and manages residential mortgage-backed securities (RMBS) backed by prime jumbo, Alt-A, non-QM, manufactured housing, subprime residential, and single-family-rental mortgage loans; RMBS for which the principal and interest payments are guaranteed by the U.S. government agency or the U.S. government-sponsored entity; residential and commercial mortgage loans; residential mortgage-backed securities; commercial mortgage-backed securities; consumer loans and asset-backed securities backed by consumer loans; investments referencing mortgage servicing rights on traditional forward mortgage loans; collateralized loan obligations; non-mortgage- and mortgage-related derivatives; debt and equity investments in loan origination companies; and other strategic investments. It also offers reverse mortgage loans, including associated financial assets, financing, hedging, and allocated expenses. The company qualifies as a real estate investment trust (REIT) for federal income tax purposes. As a REIT, it intends to distribute at least 90% of its taxable income as dividends to shareholders. Ellington Financial Inc. was incorporated in 2007 and is headquartered in Old Greenwich, Connecticut.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Purpose Type: Refinance: Rate / Term and Other Refinance (RCMFLOORIGPURPREFITERM) from Q3 2013 to Q1 2025 about FR Y-14M, origination, large, mortgage, consumer, banks, depository institutions, rate, and USA.

Graph and download economic data for Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the Northeast Freddie Mac Region (DISCONTINUED) (MORTPTS5NE) from 2005-01-06 to 2015-12-31 about Northeast Freddie Mac Region, points, discount, fees, origination, adjusted, mortgage, 5-year, rate, and USA.

Graph and download economic data for Origination Fees and Discount Points for 1-Year Adjustable Rate Mortgage in the West Freddie Mac Region (DISCONTINUED) (MORTPTS1W) from 1986-04-04 to 2015-12-31 about West Freddie Mac Region, points, discount, fees, origination, 1-year, adjusted, mortgage, rate, and USA.

Graph and download economic data for Origination Fees and Discount Points for 1-Year Adjustable Rate Mortgage in the Southeast Freddie Mac Region (DISCONTINUED) (MORTPTS1SE) from 1986-04-04 to 2015-12-31 about Southeast Freddie Mac Region, points, discount, fees, origination, 1-year, adjusted, mortgage, rate, and USA.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans, All Commercial Banks (CREACBM027NBOG) from Jun 2004 to Jun 2025 about real estate, commercial, loans, banks, depository institutions, and USA.