Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-09-04 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

Graph and download economic data for 30-Year FHA Mortgage Rate: Secondary Market (DISCONTINUED) (FHA30) from Jan 1964 to Jun 2000 about secondary market, 30-year, mortgage, interest rate, interest, rate, and USA.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

30 Year Mortgage Rate in the United States decreased to 6.50 percent in September 4 from 6.56 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

The mortgage delinquency rate for Federal Housing Administration (FHA) loans in the United States declined since 2020, when it peaked at ***** percent. In the second quarter of 2024, **** percent of FHA loans were delinquent. Historically, FHA mortgages have the highest delinquency rate of all mortgage types.

Fixed 30-year mortgage rates in the United States averaged 6.64 percent in the week ending August 29 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.

Graph and download economic data for Federal Government; Total Mortgages Held by FHA; Asset, Transactions (BOGZ1FA313065035A) from 1946 to 2024 about FHA, mortgage, transactions, federal, assets, government, and USA.

Table of data representing

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.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-09-04 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

Federal Housing Administration (FHA) loans had the highest delinquency rate in the United States in 2025. As of the second quarter of the year, ***** percent of the outstanding one-to-four family housing mortgage loans were ** days or more delinquent. This percentage was lower for conventional loans and Veterans Administration loans. Despite a slight increase, the delinquency rate for all mortgages was one of the lowest on record.

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.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

The number of new homes sold increased in 2024, but remained below the levels observed during the 2020-2021 housing boom. Conventional loans are the most popular financing option, accounting for 513,000 of the 686,000 home purchases in 2024. Despite comprising a small share of sales, cash purchases have risen notably over the past five years. This can be explained by the dramatic increase in mortgage interest rates, which makes cash purchases more attractive for those who can afford them. Development of house prices The U.S. housing market is suffering a supply shortage, which has contributed to a substantial increase in house prices. Over the past five years, construction costs risen notably, pushing the price of newly built homes up. Meanwhile, income growth has failed to keep up, resulting in a worsening housing affordability. According to the house price to income index, home prices outgrew income by nearly 32 percent between 2015 and 2024. Is the U.S. housing stock growing? There were approximately 187 million housing units in the U.S. in 2024, indicating an increase of one percent over the previous year. Apart from new-single family housing, the number of newly built multifamily units has also risen notably. Multifamily allows construction in denser urban areas with overheated housing markets, earning it increasing popularity among investors.

Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBN) from Q1 1991 to Q2 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, commercial, residential, domestic, banks, depository institutions, rate, and USA.

The Single-Family Portfolio Snapshot consists of a monthly data table and a report generator (Excel pivot table) that can be used to quickly create new reports of interest to the user from the data records. The data records themselves are loan level records using all of the categorical variables highlighted on the report generator table. Users may download and save the Excel file that contains the data records and the pivot table.The report generator sheet consists of an Excel pivot table that gives individual users some ability to analyze monthly trends on dimensions of interest to them. There are six choice dimensions: property state, property county, loan purpose, loan type, property product type, and downpayment source.Each report generator selection variable has an associated drop-down menu that is accessed by clicking once on the associated arrows. Only single selections can be made from each menu. For example, users must choose one state or all states, one county or all counties. If a county is chosen that does not correspond with the selected state, the result will be null values.The data records include each report generator choice variable plus the property zip code, originating mortgagee (lender) number, sponsor-lender name, sponsor number, nonprofit gift provider tax identification number, interest rate, and FHA insurance endorsement year and month. The report generator only provides output for the dollar amount of loans. Users who desire to analyze other data that are available on the data table, for example, interest rates or sponsor number, must first download the Excel file. See the data definitions (PDF in top folder) for details on each data element.Files switch from .zip to excel in August 2017.

Counties designated as high-cost areas for 2025 mortgage loan limits

Percentage of mortgage borrowers who chose a conventional mortgage in 2024