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.

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.

The Federal National Mortgage Association, commonly known as Fannie Mae, was created by the U.S. congress in 1938, in order to maintain liquidity and stability in the domestic mortgage market. The company is a government-sponsored enterprise (GSE), meaning that while it was a publicly traded company for most of its history, it was still supported by the federal government. While there is no legally binding guarantee of shares in GSEs or their securities, it is generally acknowledged that the U.S. government is highly unlikely to let these enterprises fail. Due to these implicit guarantees, GSEs are able to access financing at a reduced cost of interest. Fannie Mae's main activity is the purchasing of mortgage loans from their originators (banks, mortgage brokers etc.) and packaging them into mortgage-backed securities (MBS) in order to ease the access of U.S. homebuyers to housing credit. The early 2000s U.S. mortgage finance boom During the early 2000s, Fannie Mae was swept up in the U.S. housing boom which eventually led to the financial crisis of 2007-2008. The association's stated goal of increasing access of lower income families to housing finance coalesced with the interests of private mortgage lenders and Wall Street investment banks, who had become heavily reliant on the housing market to drive profits. Private lenders had begun to offer riskier mortgage loans in the early 2000s due to low interest rates in the wake of the "Dot Com" crash and their need to maintain profits through increasing the volume of loans on their books. The securitized products created by these private lenders did not maintain the standards which had traditionally been upheld by GSEs. Due to their market share being eaten into by private firms, however, the GSEs involved in the mortgage markets began to also lower their standards, resulting in a 'race to the bottom'. The fall of Fannie Mae The lowering of lending standards was a key factor in creating the housing bubble, as mortgages were now being offered to borrowers with little or no ability to repay the loans. Combined with fraudulent practices from credit ratings agencies, who rated the junk securities created from these mortgage loans as being of the highest standard, this led directly to the financial panic that erupted on Wall Street beginning in 2007. As the U.S. economy slowed down in 2006, mortgage delinquency rates began to spike. Fannie Mae's losses in the mortgage security market in 2006 and 2007, along with the losses of the related GSE 'Freddie Mac', had caused its share value to plummet, stoking fears that it may collapse. On September 7th 2008, Fannie Mae was taken into government conservatorship along with Freddie Mac, with their stocks being delisted from stock exchanges in 2010. This act was seen as an unprecedented direct intervention into the economy by the U.S. government, and a symbol of how far the U.S. housing market had fallen.

Graph and download economic data for Agency-and GSE-Backed Mortgage Pools; Multifamily Residential Mortgages Held in a Fannie Mae Pool; Asset, Transactions (BOGZ1FA413065443Q) from Q4 1946 to Q1 2025 about fannie mae, multifamily, transactions, mortgage, family, residential, assets, and USA.

Graph and download economic data for Government-Sponsored Enterprises; Securitized Multifamily Residential Mortgages Held by Fannie Mae; Asset, Transactions (BOGZ1FA403065463A) from 1946 to 2024 about fannie mae, GSE, multifamily, securitized, transactions, mortgage, family, residential, assets, and USA.

Graph and download economic data for Government-Sponsored Enterprises; Securitized One-to-Four-Family Residential Mortgages Held by Fannie Mae; Asset, Transactions (BOGZ1FA403065160Q) from Q4 1946 to Q1 2025 about fannie mae, GSE, securitized, transactions, mortgage, assets, housing, and USA.

Graph and download economic data for Agency-and GSE-Backed Mortgage Pools; Total Mortgages Held in a Fannie Mae Pool; Asset, Transactions (BOGZ1FA413065045A) from 1946 to 2024 about GSE-Backed, fannie mae, transactions, mortgage, assets, and USA.

United States Fannie Mae: Risk Management Derivatives: Net Contractual Interest Expense on Interest-Rate Swaps data was reported at -218.000 USD mn in Mar 2025. This records an increase from the previous number of -1.227 USD bn for Dec 2024. United States Fannie Mae: Risk Management Derivatives: Net Contractual Interest Expense on Interest-Rate Swaps data is updated quarterly, averaging -215.000 USD mn from Dec 2011 (Median) to Mar 2025, with 51 observations. The data reached an all-time high of 22.000 USD mn in Dec 2021 and a record low of -2.187 USD bn in Dec 2011. United States Fannie Mae: Risk Management Derivatives: Net Contractual Interest Expense on Interest-Rate Swaps data remains active status in CEIC and is reported by Federal National Mortgage Association. The data is categorized under Global Database’s United States – Table US.EB121: Derivatives Fair Value Gains or Losses: Federal National Mortgage Association, Fannie Mae.

Graph and download economic data for Government-Sponsored Enterprises; Total Mortgages Held by Fannie Mae (Includes All GSEs Before 2000:Q4); Asset, Transactions (BOGZ1FA403065015A) from 1946 to 2024 about fannie mae, GSE, transactions, mortgage, assets, and USA.

The Commercial/Multifamily Mortgage Bankers Originations Index in the United States declined for the third consecutive quarter, reflecting a trend of decreasing commercial mortgage originations. In the first quarter of 2023, the index stood at *** index points, meaning that originations had increased by ** percent since the base year, 2001 when the index value was set to 100. Among the different institution types, Freddie Mac/Fannie Mae witnessed the highest, and CMBS/Conduits the lowest index value.

Graph and download economic data for Government-Sponsored Enterprises; Multifamily Residential Mortgages Held by Fannie Mae (Includes All GSEs Before 2000:Q4); Asset, Transactions (BOGZ1FA403065413Q) from Q4 1946 to Q1 2025 about fannie mae, GSE, multifamily, transactions, mortgage, family, residential, assets, and USA.

The global Mortgage-Backed Security market is poised for robust growth, with its market size projected to reach XX million in 2033, driven by a CAGR of XX% during the forecast period 2025-2033. Key drivers fueling this growth include increasing demand for residential and commercial mortgages, government support for housing markets, and the ongoing trend of securitization. However, factors such as rising interest rates, economic uncertainties, and regulatory challenges may pose restraints to market expansion. The market is segmented into types (commercial MBS, residential MBS) and applications (commercial banks, real estate enterprises, trust plans). Residential MBS dominate the market due to the high demand for home loans. Prominent players in the market include Construction Bank, ICBC, and Bank of China, among others. North America and Asia Pacific are expected to be key regional markets, with the US, China, and India driving growth. The study period for this analysis is 2019-2033, with the base year being 2025 and the forecast period extending from 2025 to 2033. Mortgage-backed securities (MBS) are financial instruments that are backed by a pool of mortgages. They are typically issued by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, but can also be issued by private banks and investment firms. MBS offer investors a way to invest in the housing market without having to purchase a physical property.

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 Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Graph and download economic data for Government-Sponsored Enterprises; Agency Mortgage-Backed Securities and Other Asset-Backed Agency- and GSE-Backed Securities Held by Fannie Mae (Includes All GSE Agency- and GSE-Backed Securities Before 2000:Q4); Asset, Transactions (BOGZ1FA403061913A) from 1946 to 2024 about fannie mae, asset-backed, GSE, mortgage-backed, agency, transactions, securities, assets, and USA.

Graph and download economic data for Government-Sponsored Enterprises; Mortgage-Backed Securities and Other Asset-Backed Bonds Held by Fannie Mae (Includes All GSE Corporate and Foreign Bonds Before 2000:Q4); Asset, Transactions (BOGZ1FA403063613Q) from Q4 1946 to Q3 2021 about transactions, fannie mae, GSE, asset-backed, mortgage-backed, foreign, bonds, securities, assets, and USA.