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

View daily updates and historical trends for 30 Year Fixed Rate FHA Mortgage Index. from United States. Source: Optimal Blue. Track economic data with YCh…

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

30 Year Mortgage Rate in the United States decreased to 6.35 percent in September 11 from 6.50 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Fixed 30-year mortgage rates in the United States averaged 6.49 percent in the week ending September 5 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.

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

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.

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 2025-09-11 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

United States WAS: Contract Rate: FHA 203 data was reported at 5.110 % in 23 Nov 2018. This records an increase from the previous number of 5.080 % for 16 Nov 2018. United States WAS: Contract Rate: FHA 203 data is updated weekly, averaging 6.280 % from Jan 1990 (Median) to 23 Nov 2018, with 1508 observations. The data reached an all-time high of 10.290 % in 27 Apr 1990 and a record low of 3.320 % in 07 Dec 2012. United States WAS: Contract Rate: FHA 203 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.

Graph and download economic data for Secondary Market Yields on Federal Housing Administration Mortgages for United States (M13045USM156NNBR) from Jan 1949 to Dec 1965 about FHA, administrative, secondary market, mortgage, federal, yield, interest rate, interest, housing, rate, and USA.

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.

United States WAS: Contract Rate: FHA 203: 1-Wk Change data was reported at 0.030 Point in 23 Nov 2018. This records an increase from the previous number of -0.010 Point for 16 Nov 2018. United States WAS: Contract Rate: FHA 203: 1-Wk Change data is updated weekly, averaging 0.000 Point from Jan 1990 (Median) to 23 Nov 2018, with 1507 observations. The data reached an all-time high of 0.750 Point in 10 Oct 2008 and a record low of -0.580 Point in 19 Jun 1992. United States WAS: Contract Rate: FHA 203: 1-Wk Change 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.

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 second 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.

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

WAS: Total Points: FHA 203 data was reported at 0.730 % in 20 Jul 2018. This records an increase from the previous number of 0.690 % for 13 Jul 2018. WAS: Total Points: FHA 203 data is updated weekly, averaging 1.110 % from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 4.210 % in 06 Nov 1992 and a record low of -0.460 % in 30 May 2014. WAS: Total Points: FHA 203 data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

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.

Reverse Mortgage Services Market Outlook

The reverse mortgage services market size is projected to grow significantly, from $15 billion in 2023 to an estimated $30 billion by 2032, exhibiting a compound annual growth rate (CAGR) of 8%. This impressive growth can be attributed mainly to the increasing aging population worldwide and the rising need for financial solutions that allow elderly individuals to monetize their home equity without selling their properties.

One of the primary growth factors for the reverse mortgage services market is the demographic shift towards an older population. With longer life expectancies and the baby boomer generation reaching retirement age, there is a rising demand for financial products that cater to the elderly. Reverse mortgages offer a viable solution for seniors who wish to stay in their homes while accessing additional funds to cover living expenses, medical bills, and other costs. Moreover, the increased awareness and understanding of reverse mortgages have made them a more attractive option for financial planning among retirees.

Another significant growth driver is the economic landscape, which has seen fluctuations that impact retirees' income and savings. With traditional pension schemes becoming less common and more individuals relying solely on their savings and Social Security, there is a pressing need for additional income streams. Reverse mortgages provide a supplementary source of income without the need to sell one's home, making it a popular choice among retirees facing financial constraints. Additionally, the low-interest-rate environment has made reverse mortgages more accessible, as the cost of borrowing against home equity has remained relatively affordable.

The regulatory environment has also played a crucial role in the market's growth. Governments and financial institutions in various regions have introduced policies and safeguards to ensure the ethical and transparent administration of reverse mortgages. For instance, in the United States, the Federal Housing Administration (FHA) offers Home Equity Conversion Mortgages (HECMs), which are insured by the federal government. Such regulations provide a level of security and confidence to potential borrowers, thereby fostering market growth.

From a regional perspective, North America is expected to dominate the reverse mortgage services market during the forecast period. The region's well-established financial infrastructure, coupled with a high population of elderly individuals, ensures a consistent demand for reverse mortgage products. Additionally, Europe and Asia Pacific are anticipated to see substantial growth due to the increasing acceptance of reverse mortgages and the aging population in these regions. Emerging economies in Latin America and the Middle East & Africa are also beginning to explore reverse mortgage services, driven by demographic changes and economic development.

Type Analysis

Home Equity Conversion Mortgages (HECMs) are the most prevalent type of reverse mortgage, particularly in the United States. These federally insured loans allow seniors to convert part of the equity in their homes into cash. The popularity of HECMs can be attributed to the security they provide, being backed by the Federal Housing Administration (FHA). This type of reverse mortgage tends to have stringent eligibility criteria and offers counseling to ensure borrowers fully understand the terms of the loan. As a result, HECMs have gained trust among retirees, making them a cornerstone of the reverse mortgage services market.

Proprietary reverse mortgages are another significant segment within the market. These are private loans that are not insured by the federal government and are generally aimed at homeowners with high-value properties. Proprietary reverse mortgages offer larger loan amounts compared to HECMs, making them an attractive option for affluent seniors. The flexibility and customization of these loans have contributed to their growing popularity. Financial institutions offering proprietary reverse mortgages often provide tailored solutions to meet the specific needs of affluent clients, thereby expanding their market share.

Single-purpose reverse mortgages are less common but serve an essential role in the market. These loans are typically offered by state and local government agencies or nonprofit organizations and are designed for specific purposes, such as home repairs or property taxes. The limited scope of single-purpose reverse mortgages makes them a suitable option for seniors with

The global mortgage insurance market is experiencing robust growth, driven by factors such as increasing homeownership rates, particularly among first-time buyers, and the ongoing need for lenders to mitigate risk associated with mortgage lending. The market, valued at approximately $80 billion in 2025, is projected to exhibit a Compound Annual Growth Rate (CAGR) of 7% between 2025 and 2033, reaching an estimated $135 billion by 2033. This growth is fueled by several key trends including the increasing popularity of digital mortgage applications, the expansion of mortgage insurance products to cater to diverse borrower profiles (including those with lower credit scores), and the growing penetration of mortgage insurance in emerging markets. The diverse product segments, such as Borrower-Paid Mortgage Insurance (BPMI), Lender-Paid Mortgage Insurance (LPMI), and FHA Mortgage Insurance, contribute to this market expansion, catering to varied customer needs and risk profiles. However, factors such as stringent regulatory frameworks, fluctuating interest rates, and economic downturns could potentially restrain market growth in the coming years. Nevertheless, the overall outlook for the mortgage insurance market remains positive, driven by the underlying demand for housing and the crucial role mortgage insurance plays in stabilizing the mortgage lending ecosystem. The market segmentation reveals a dynamic landscape with various applications. Agency channels remain dominant, but digital and direct channels are witnessing rapid adoption, fueled by technological advancements and changing consumer preferences. Brokers also play a significant role in the distribution of mortgage insurance products. The competitive landscape is characterized by the presence of both established global players and regional insurers. Companies like Arch Capital Group, Genworth Financial, MGIC, and Radian Guaranty, alongside international players like Allianz and AXA, are key competitors, constantly innovating to enhance their product offerings and market penetration. Geographic variations exist, with North America and Europe dominating the market share currently, although emerging markets in Asia-Pacific and other regions are showing substantial growth potential. This diverse geographical presence and segmental approach ensure the resilience and continued expansion of the mortgage insurance market.