Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-07-17 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

30 Year Mortgage Rate in the United States increased to 6.75 percent in July 17 from 6.72 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms was -4.80% in April of 2025, according to the United States Federal Reserve. Historically, United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms reached a record high of 98.20 in October of 2008 and a record low of -70.40 in April of 2005. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms - last updated from the United States Federal Reserve on July of 2025.

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 2025-07-22 about jumbo, 30-year, fixed, mortgage, rate, indexes, and USA.

Fixed 30-year mortgage rates in the United States averaged 6.84 percent in the week ending July 18 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.

Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in interest rates more than doubling. In the UK, the average mortgage interest rate rose from **** percent in 2020 to **** percent in 2023, before falling to **** in 2024. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage homebuying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the fourth quarter of 2024, the 30-year fixed rate rose slightly, to **** percent. Despite the increase, the rate remained below the peak of **** percent in the same quarter a year ago. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2013 and 2023, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2023, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Small Firms was -6.60% in April of 2025, according to the United States Federal Reserve. Historically, United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Small Firms reached a record high of 92.70 in October of 2008 and a record low of -57.80 in April of 2013. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Small Firms - last updated from the United States Federal Reserve on July of 2025.

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 ICE BofA Option-Adjusted Spreads (OASs) are the calculated spreads between a computed OAS index of all bonds in a given rating category and a spot Treasury curve. An OAS index is constructed using each constituent bond's OAS, weighted by market capitalization. The Corporate Master OAS uses an index of bonds that are considered investment grade (those rated BBB or better). When the last calendar day of the month takes place on the weekend, weekend observations will occur as a result of month ending accrued interest adjustments.

This data represents the ICE BofA US Corporate Index value, which tracks the performance of US dollar denominated investment grade rated corporate debt publicly issued in the US domestic market. To qualify for inclusion in the index, securities must have an investment grade rating (based on an average of Moody's, S&P, and Fitch) and an investment grade rated country of risk (based on an average of Moody's, S&P, and Fitch foreign currency long term sovereign debt ratings). Each security must have greater than 1 year of remaining maturity, a fixed coupon schedule, and a minimum amount outstanding of $250 million. Original issue zero coupon bonds, "global" securities (debt issued simultaneously in the eurobond and US domestic bond markets), 144a securities and pay-in-kind securities, including toggle notes, qualify for inclusion in the Index. Callable perpetual securities qualify provided they are at least one year from the first call date. Fixed-to-floating rate securities also qualify provided they are callable within the fixed rate period and are at least one year from the last call prior to the date the bond transitions from a fixed to a floating rate security. DRD-eligible and defaulted securities are excluded from the Index.

ICE BofA Explains the Construction Methodology of this series as: Index constituents are capitalization-weighted based on their current amount outstanding. With the exception of U.S. mortgage pass-throughs and U.S. structured products (ABS, CMBS and CMOs), accrued interest is calculated assuming next-day settlement. Accrued interest for U.S. mortgage pass-through and U.S. structured products is calculated assuming same-day settlement. Cash flows from bond payments that are received during the month are retained in the index until the end of the month and then are removed as part of the rebalancing. Cash does not earn any reinvestment income while it is held in the Index. The Index is rebalanced on the last calendar day of the month, based on information available up to and including the third business day before the last business day of the month. Issues that meet the qualifying criteria are included in the Index for the following month. Issues that no longer meet the criteria during the course of the month remain in the Index until the next month-end rebalancing at which point they are removed from the Index.

When the last calendar day of the month takes place on the weekend, weekend observations will occur as a result of month ending accrued interest adjustments.

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Mortgage lenders are dealing with the RBA's shift to a tighter monetary policy, as it fights heavy inflation. Since May 2022, the RBA has raised the benchmark cash rate, which flows to interest rates on home loans. This represents a complete reversal of the prevailing approach to monetary policy taken in recent years. Over the course of the pandemic, subdued interest rates, in conjunction with government incentives and relaxed interest rate buffers, encouraged strong mortgage uptake. With the RBA's policy reversal, authorised deposit-taking institutions will need to balance their interest rate spreads to ensure steady profit. A stronger cash rate means more interest income from existing home loans, but also steeper funding costs. Moreover, increasing loan rates mean that prospective homeowners are being cut out of the market, which will slow demand for new home loans. Overall, industry revenue is expected to rise at an annualised 0.4% over the past five years, including an estimated 2.2% jump in 2023-24, to reach $103.4 billion. APRA's regulatory controls were updated in January 2023, with new capital adequacy ratios coming into effect. The major banks have had to tighten up their capital buffers to protect against financial instability. Although the ‘big four’ banks control most home loans, other lenders have emerged to foster competition for new loanees. Technological advances have made online-only mortgage lending viable. However, lenders that don't take deposits are more reliant on wholesale funding markets, which will be stretched under a higher cash rate. Looking ahead, technology spending isn't slowing down, as consumers continue to expect secure and user-friendly online financial services. This investment is even more pressing, given the ongoing threat of cyber-attacks. Industry revenue is projected to inch upwards at an annualised 0.8% over the five years through 2028-29, to $107.7 billion.

The Finance sector's operating environment was previously characterised by record-low interest rates. Nonetheless, high inflation prompted the Reserve Bank of Australia (RBA) to hike the cash rate from May 2022 onwards. This shift allowed financial institutions to impose higher loan charges, propelling their revenue. Banks raised interest rates quicker than funding costs in the first half of 2022-23, boosting net interest margins. However, sophisticated competition and digital disruption have reshaped the sector and nibbled at the Big Four's dominance, weighing on ADIs' performance. In the first half of 2025, the fierce competition has forced ADIs to trim lending rates even ahead of RBA moves to protect their slice of the mortgage market. Higher cash rates initially widened net interest margins, but the expiry of cheap TFF funding and a fierce mortgage war are now compressing spreads, weighing on ADIs' profitability. Although ANZ's 2024 Suncorp Bank takeover highlights some consolidation, the real contest is unfolding in tech. Larger financial institutions are combatting intensified competition from neobanks and fintechs by upscaling their technology investments, strengthening their strategic partnerships with cloud providers and technology consulting firms and augmenting their digital offerings. Notable examples include the launch of ANZ Plus by ANZ and Commonwealth Bank's Unloan. Meanwhile, investor demand for rental properties, elevated residential housing prices and sizable state-infrastructure pipelines have continued to underpin loan growth, offsetting the drag from weaker mortgage affordability and volatile business sentiment. Overall, subdivision revenue is expected to rise at an annualised 8.3% over the five years through 2024-25, to $524.6 billion. This growth trajectory includes an estimated 4.8% decline in 2024-25 driven by rate cuts in 2025, which will weigh on income from interest-bearing assets. The Big Four banks will double down on technology investments and partnerships to counter threats from fintech startups and neobanks. As cybersecurity risks and APRA regulations evolve, financial institutions will gear up to strengthen their focus on shielding sensitive customer data and preserving trust, lifting compliance and operational costs. In the face of fierce competition, evolving regulations and shifting customer preferences, consolidation through M&As is poised to be a viable trend for survival and growth, especially among smaller financial institutions like credit unions. While rate cuts will challenge profitability within the sector, expansionary economic policies are poised to stimulate business and mortgage lending activity, presenting opportunities for strategic growth in a dynamic market. These trends are why Finance subdivision revenue is forecast to rise by an annualised 1.1% over the five years through the end of 2029-30, to $554.9 billion

The size of the US Auto Loan Market was valued at USD XX Million in 2023 and is projected to reach USD XXX Million by 2032, with an expected CAGR of 6.00">> 6.00% during the forecast period. The auto loan market encompasses the financial services dedicated to providing loans specifically for purchasing vehicles. This market facilitates access to financing for both new and used cars, allowing consumers to pay for their vehicles over time through structured repayment plans. Typically offered by banks, credit unions, and specialized lenders, auto loans come with varying interest rates and terms based on factors such as the borrower’s creditworthiness, the type of vehicle, and market conditions. The growth of the auto loan market is driven by increasing vehicle ownership rates, rising disposable incomes, and the demand for personal transportation, particularly in urban areas. Consumers benefit from the ability to own vehicles without having to make a full upfront payment, while lenders gain from interest payments over the loan duration. Additionally, trends such as the rise of digital banking and fintech solutions are enhancing the lending process, making it more accessible and streamlined for consumers. Despite challenges like economic fluctuations and competition among lenders, the auto loan market remains robust, adapting to changing consumer preferences and technological advancements to continue its expansion. Recent developments include: August 2022: United States Bancorp launched its innovative real-time payment system, RTP Network solution, through which it can provide loan funds to auto dealers after the finalization of a loan contract by the bank. United States Bancorp has its businesses spread over Consumer and Business Banking, Payment Services, Corporate and Commercial Banking, and Wealth Management and Investment Services., January 2023: AutoFi Inc., which exists as a digital commerce technology provider in sales and finance for the automotive industry in the United States, partnered with Santander Consumer USA Inc., which is a consumer finance company focused on vehicle finance. The partnership will likely bring to market digital products to improve consumers' and dealers' interaction with the lender and simplify the car buying experience.. Key drivers for this market are: Increase In Demand For Light Trucks, Quick Processing of Loan through Digital Banking. Potential restraints include: Increasing Inflation In Automobile Market. Notable trends are: Rising Price of Automobiles.

Non-banks and other financial institutions’ assets have grown relatively steadily over the past few years, but revenue has fluctuated considerably. Despite the Reserve Bank of New Zealand (RBNZ), or Te Putea Matua, easing loan-to-value ratio (LVR) lending restrictions from June 2023, major banks still grappled with high LVR lending restrictions and tight lending standards. As a result, households are turning to non-bank lenders for finance. Previously, official cash rates (OCR) were kept low, which curbed non-banks’ expansion. However, to combat inflation, the RBNZ raised the OCR to a rate not seen since October 2008. Consequently, non-bank lenders were able to expand their loan portfolios by increasing their interest expenses and capitalising on higher net interest margins. Revenue is expected to rise at an annualised 6.7% to $1.26 billion over the five years through 2023-24. In the current high-interest rate environment, non-bank lenders have been able to flourish by augmenting their spreads, bolstering their revenue and profit margins. Consequently, revenue is expected to climb by 4.4% in 2023-24 alone. However, additional competition in the industry, brought on by the arrival of fintech powerhouses like Revolut, has constrained further increases in profit margins. Larger non-banks and financiers have used acquisitions as a means to grow their market shares. For example, UDC Finance agreed to purchase the Bank of Queensland's New Zealand assets and loan book in February 2024, and MTF acquired Lending People in January 2023. As interest rates decline, technology will become increasingly vital in maintaining non-bank financial institutions' profitability and competitive edge. Integrating advanced technologies can streamline services, enhance efficiency, increase scalability and improve the precision of financial procedures, proving essential in preserving robust profit margins. Heightened regulatory capital requirements, which are set to continue, will impact registered banks and will provide non-bank lenders with more opportunities to garner a larger slice of the mortgage market. Overall, revenue is forecast to rise at an annualised 0.3% over the five years through 2028-29 to $1.28 billion.

United States Loan Officer Survey: CSII: Other Banks Eased Considerably data was reported at 0.000 % in Apr 2018. This stayed constant from the previous number of 0.000 % for Jan 2018. United States Loan Officer Survey: CSII: Other Banks Eased Considerably data is updated quarterly, averaging 0.000 % from Jan 2008 (Median) to Apr 2018, with 42 observations. United States Loan Officer Survey: CSII: Other Banks Eased Considerably data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA044: Senior Loan Officer Opinion Survey: Lending Policies for Individual Credit Cards. Senior Loan Officer Survey Questionnaire: Over the past three months, how has your bank changed the spread of interest rate charged on outstanding balances over your bank's cost of funds on new or existing credit card accounts for individuals or households?

The US auto loan market, a significant segment of the broader automotive industry, is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) exceeding 6% from 2025 to 2033. This expansion is fueled by several key factors. Firstly, a recovering economy and increasing consumer confidence are driving demand for both new and used vehicles, leading to a surge in auto loan applications. Secondly, the availability of diverse financing options from banks, OEMs (Original Equipment Manufacturers), credit unions, and other lenders fosters accessibility for a wider range of borrowers. The market is segmented by vehicle type (passenger and commercial), ownership (new and used), end-user (individual and enterprise), and loan provider. The prevalence of online lending platforms and streamlined application processes is further accelerating market growth. Competition among lenders is fierce, leading to innovative loan products and competitive interest rates, benefiting consumers. However, potential headwinds include fluctuating interest rates, economic uncertainty, and potential shifts in consumer spending habits. The growth trajectory remains positive, with significant opportunities for lenders and automotive companies to capitalize on the expanding market. The increasing popularity of electric vehicles (EVs) is significantly influencing the market. While still a smaller segment, auto loans specifically designed for EV purchases are gaining traction, driven by government incentives and growing consumer adoption of sustainable transportation. The used car market also plays a vital role, representing a substantial portion of auto loan volume. The rise of online used car marketplaces and their integration with financing options are impacting the landscape. Regional variations exist, with higher growth anticipated in regions with stronger economic performance and higher vehicle ownership rates. The continued development of sophisticated credit scoring models and risk assessment tools further enhances lenders' ability to manage risk and extend credit more effectively. Overall, the US auto loan market presents a dynamic and lucrative environment, presenting both opportunities and challenges for stakeholders. Recent developments include: August 2022: United States Bancorp launched its innovative real-time payment system, RTP Network solution, through which it can provide loan funds to auto dealers after the finalization of a loan contract by the bank. United States Bancorp has its businesses spread over Consumer and Business Banking, Payment Services, Corporate and Commercial Banking, and Wealth Management and Investment Services., January 2023: AutoFi Inc., which exists as a digital commerce technology provider in sales and finance for the automotive industry in the United States, partnered with Santander Consumer USA Inc., which is a consumer finance company focused on vehicle finance. The partnership will likely bring to market digital products to improve consumers' and dealers' interaction with the lender and simplify the car buying experience.. Key drivers for this market are: Increase In Demand For Light Trucks, Quick Processing of Loan through Digital Banking. Potential restraints include: Increase In Demand For Light Trucks, Quick Processing of Loan through Digital Banking. Notable trends are: Rising Price of Automobiles.

In May 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In early 2025, Russia maintained the highest interest rate at 20 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.1 percent in May 2025. In contrast, Russia maintained a high inflation rate of 9.9 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

United States Loan Officer Survey: CSII: Other Banks Unchanged data was reported at 100.000 % in Apr 2018. This stayed constant from the previous number of 100.000 % for Jan 2018. United States Loan Officer Survey: CSII: Other Banks Unchanged data is updated quarterly, averaging 93.550 % from Jan 2008 (Median) to Apr 2018, with 42 observations. The data reached an all-time high of 100.000 % in Apr 2018 and a record low of 58.300 % in Apr 2009. United States Loan Officer Survey: CSII: Other Banks Unchanged data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA044: Senior Loan Officer Opinion Survey: Lending Policies for Individual Credit Cards. Senior Loan Officer Survey Questionnaire: Over the past three months, how has your bank changed the spread of interest rate charged on outstanding balances over your bank's cost of funds on new or existing credit card accounts for individuals or households?

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