The Rate Shown For Each Month Is The Average Of The Loan Rates Of The Twelve Banks, No Weight Being Given To The Number Of Loans Closed At The Various Rates. When A Change Of Rate Occurred During A Month, The Bank'S Average Rates For That Month Was Obtained By Weighting By The Number Of Business Days It Was In Force. Source: Data For 1917-1934: Letter From The Farm Credit Administration, Washington, D.C., January 4, 1935. Data For 1935-1944: U.S. Department Of Commerce, Survey Of Current Business, 1938 Annual Supplement, P. 56, 1940, P. 56, And Successive Issues.

This NBER data series m13008 appears on the NBER website in Chapter 13 at http://www.nber.org/databases/macrohistory/contents/chapter13.html.

NBER Indicator: m13008

The HUD monthly interest rate survey provides information on interest rates, loan terms, and house prices. The survey is conducted by property type, loan type, and lender type. How the survey is conducted The survey provides information on all properties, new properties, and previously occupied properties.The survey provides information on fixed-rate and adjustable-rate loans.The survey provides information on lenders such as savings associations, mortgage companies, commercial banks, and savings banks.What the survey includes The survey provides information on interest rates, loan terms, and house prices.The survey provides information on property type, loan type, and lender type.Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)On 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.As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year Primary Mortgage Market Survey® (PMMS®) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans: Construction and Land Development Loans, All Commercial Banks (CLDACBW027SBOG) from 2015-01-07 to 2025-06-11 about land, real estate, commercial, construction, loans, banks, depository institutions, and USA.

The Brazilian home loan market exhibits robust growth potential, projected to reach a substantial size by 2033. The market's 11.20% CAGR from 2019-2024 signifies strong investor confidence and sustained demand. Key drivers include a growing middle class with increasing disposable incomes, government initiatives aimed at boosting homeownership, and a gradual improvement in the overall economic climate. While rising interest rates present a potential restraint, the diverse range of lenders—including major banks like Itaú Unibanco, Banco Bradesco, and Caixa Econômica Federal, along with fintech disruptors like Nubank and Creditas—contributes to market dynamism and accessibility. The market is segmented by lender type (banks, housing finance companies), interest rate type (fixed, floating), and loan tenure (categorized into specific year ranges). The substantial number of players underscores the competitiveness and evolving landscape, offering various loan options catering to different customer profiles and risk tolerances. The continued expansion of digital lending platforms enhances accessibility and efficiency, shaping the future trajectory of the market. The forecast period (2025-2033) anticipates continued expansion, driven by sustained economic growth and further penetration of digital lending technologies. However, macroeconomic factors like inflation and potential shifts in government policies will influence the market's growth trajectory. The segmentation by loan tenure suggests a significant proportion of loans are likely long-term, reflecting the long-term commitment associated with homeownership. The competition among established players and fintech entrants will likely drive innovation in product offerings and customer service, benefiting borrowers through more competitive rates and flexible loan terms. Analyzing regional variations within Brazil could further refine the market understanding and identify opportunities for targeted investments. The ongoing expansion of the middle class, combined with supportive government policies, positions the Brazilian home loan market for continued substantial growth over the forecast period. This report provides a detailed analysis of the Brazil home loan market, covering the period 2019-2033. It delves into market size, segmentation, growth drivers, challenges, and key players, offering invaluable insights for investors, lenders, and industry stakeholders. With a base year of 2025 and an estimated year of 2025, the forecast period spans from 2025 to 2033, building upon historical data from 2019-2024. The report also examines the impact of recent mergers and acquisitions (M&A) activity, regulatory changes, and emerging trends shaping the future of Brazilian mortgages. Expect in-depth analysis of mortgage rates, loan tenures, and the role of banks and housing finance companies (HFCs). This report is crucial for understanding the dynamic landscape of the Brazilian real estate financing sector. Recent developments include: August 2022: Brazilian lender Banco Bradesco SA subsidiary Bradescard has agreed to acquire Mexico's Ictineo Plataforma SA in a bid to offer digital accounts in Latin America's second-largest economy. Bradesco said the acquisition will allow the bank to enter the banking retail area, offering digital accounts, payroll loans, and investment accounts., April 2022: Brazilian banking group Itaú Unibanco has acquired a 12.82% stake in Rede Agro Fidelidade e Intermediação S.A. (Orbia) to expand its operations. The deal is aimed at expanding Itaú Unibanco's footprint by giving it access to Orbia's customer base and allowing the bank to offer them easy access to credit.. Key drivers for this market are: Economic Growth, Increased Mortgage Options. Potential restraints include: Economic Growth, Increased Mortgage Options. Notable trends are: Increase in High End Property Sales.

This item includes other Federal Reserve assets and non-float-related as-of adjustments. In addition to the as-of adjustments, there are many components in this category, including the following major items:

Assets denominated in foreign currencies: Foreign currencies are revalued to reflect movements in market exchange rates each day. If, in the revaluation, the value of the currency increases, then other Federal Reserve assets increase. On the other side of the balance sheet, "Other liabilities and capital" increase because the increase in value of the currency becomes earnings, which are reflected in the earnings category within the capital account. Other liabilities and capital decline in value as the earnings are removed from this category and the U.S. Treasury's general account increases because the funds are remitted to this account at the Reserve Banks. Since 1963, the Federal Reserve has occasionally agreed to warehouse foreign currency for the Treasury. In such transactions, the Federal Reserve takes the foreign currency from the Treasury in return for dollars provided to the Treasury. The Federal Reserve makes a spot purchase of the currency and protects the value of those currencies purchased by simultaneously selling the same amount of currencies forward at the same price to the Treasury.

When the Federal Reserve warehouses foreign currencies for the Treasury, both "other Federal Reserve assets" and "U.S. Treasury, general account" increase in value at the time of the spot transaction. Both accounts decline when the forward transaction is completed or when currencies are withdrawn from the warehousing arrangement prior to maturity.

Premiums paid on securities bought: This release reports Federal Reserve holdings of securities at face value, not necessarily at market value. If the Federal Reserve pays more than the face value for securities it purchased, the premiums over the face value are amortized as the securities mature. Part of the premium is transferred daily to the earnings category as a "negative earning." As the premium in "Other Federal Reserve assets" is reduced, a simultaneous balancing reduction is made in "Other liabilities and capital." Securities purchased at a premium over face value are accounted for in this way because, at maturity, the Federal Reserve Banks receive only the face amount of the securities, not the amount actually paid. The premiums paid on securities bought under repurchase agreements, though, are not amortized. These premiums are, in effect, returned to the Federal Reserve Banks when the securities are repurchased by the dealer, since the negotiated price in the original transaction reflects the premiums.

Accrued interest and other accounts receivable: This item represents the daily accumulation of interest earned on U.S. government securities--other than bills--owned by the Federal Reserve or held under repurchase agreements, on loans to depository institutions, and on foreign currency investments. Interest is accrued daily. Reserve Bank premises and operating equipment less allowances for depreciation: This item states the value, at initial cost, of the land and buildings of the Reserve Banks and branches less an allowance for depreciation on buildings, including building-related machinery and equipment.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans: Construction and Land Development Loans, All Commercial Banks (B1215NCBCQG) from Q2 2015 to Q2 2025 about land, real estate, commercial, construction, loans, banks, depository institutions, and USA.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans: Construction and Land Development Loans, Domestically Chartered Commercial Banks (B1215NDMCMG) from Feb 2015 to Jun 2025 about land, real estate, commercial, construction, domestic, loans, banks, depository institutions, and USA.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans: Construction and Land Development Loans, Small Domestically Chartered Commercial Banks (B1215NSMCAG) from 2016 to 2024 about charter, land, small, real estate, commercial, construction, domestic, loans, banks, depository institutions, and USA.

Graph and download economic data for Banks in U.S.-Affiliated Areas; Consumption of Fixed Capital, Nonresidential Intellectual Property Products, Current Cost Basis, Transactions (BOGZ1FA746330075Q) from Q4 1946 to Q1 2025 about cost, intellectual property, nonresidential, transactions, fixed, capital, consumption, production, banks, depository institutions, and USA.

Graph and download economic data for Real Estate Loans: Commercial Real Estate Loans: Construction and Land Development Loans, Large Domestically Chartered Commercial Banks (B1215NLGCQG) from Q2 2015 to Q2 2025 about charter, land, large, real estate, commercial, construction, domestic, loans, banks, depository institutions, and USA.

Graph and download economic data for Property-Casualty Insurance Companies; Equity in FHLB; Asset, Transactions (BOGZ1FA513092403A) from 1946 to 2024 about FHLB, property-casualty, equity, transactions, insurance, assets, and USA.

Graph and download economic data for Banks in U.S.-Affiliated Areas; Consumption of Fixed Capital, Nonresidential Intellectual Property Products, Current Cost Basis, Transactions (BOGZ1FA746330075A) from 1946 to 2024 about cost, intellectual property, nonresidential, transactions, fixed, capital, consumption, production, banks, depository institutions, and USA.

Graph and download economic data for Foreign Banking Offices in the U.S.; Consumption of Fixed Capital, Nonresidential Structures, Equipment, and Intellectual Property Products, Current Cost Basis (Gross Saving), Transactions (BOGZ1FA756330005A) from 1946 to 2024 about foreign offices, cost, intellectual property, savings, foreign, nonresidential, transactions, fixed, capital, gross, buildings, equipment, consumption, production, banks, depository institutions, and USA.

Graph and download economic data for Banks in U.S.-Affiliated Areas; Gross Fixed Investment, Nonresidential Structures, Equipment, and Intellectual Property Products, Transactions (BOGZ1FA745013005A) from 1946 to 2024 about intellectual property, nonresidential, transactions, fixed, investment, gross, buildings, equipment, production, banks, depository institutions, and USA.

Graph and download economic data for Property-Casualty Insurance Companies; Equity in FHLB; Asset, Transactions (BOGZ1FA513092403Q) from Q4 1946 to Q1 2025 about FHLB, property-casualty, equity, transactions, insurance, assets, and USA.