Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 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.

The 10-year treasury constant maturity rate in the U.S. is forecast to increase by *** percentage points by 2027, while the 30-year fixed mortgage rate is expected to fall by *** percentage points. From *** percent in 2024, the average 30-year mortgage rate is projected to reach *** percent in 2027.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at **** percent at the end of 2023, the European Central Bank deposit rate at **** percent, and the Swiss National Bank policy rate at **** percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to *** percent, the ECB refi rate to **** percent, the Bank of England bank rate to **** percent, and the Swiss National Bank policy rate to **** percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

The benchmark interest rate in Sweden was last recorded at 1.75 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

United States Mortgage Fixed Rate: Mth Avg: 15 Year data was reported at 4.250 % pa in Oct 2018. This records an increase from the previous number of 4.080 % pa for Sep 2018. United States Mortgage Fixed Rate: Mth Avg: 15 Year data is updated monthly, averaging 5.680 % pa from Sep 1991 (Median) to Oct 2018, with 326 observations. The data reached an all-time high of 8.800 % pa in Jan 1995 and a record low of 2.660 % pa in Apr 2013. United States Mortgage Fixed Rate: Mth Avg: 15 Year data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s United States – Table US.M012: Mortgage Interest Rate.

Around half of all respondents to an *********** survey expected that interest rates for seniors housing in the United States would remain stable in the following 12 months. However, while ** percent believed interest rates would go up, ** percent of respondents believed the opposite to be the case.

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

This dataset provides values for 30 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Due to interest rates decreasing in recent years, mortgages in the United Kingdom have become overall more affordable: In 2007, when mortgages were the least affordable, a home buyer spent on average **** percent of their income on mortgage interest and *** percent on capital repayment. In 2019, the year with the most affordable mortgages, mortgage interest accounted for *** percent and capital repayment was **** percent of their income. As interest rates increase in response to the rising inflation, mortgage affordability is expected to worsen. Though below the levels observed before 2007, the total mortgage repayment between 2022 and 2026 is expected to exceed ** percent of income.

The US home loan market, a cornerstone of the American economy, is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 18% from 2025 to 2033. This expansion is fueled by several key drivers. Low interest rates, particularly in the early part of the forecast period, have historically stimulated borrowing, making homeownership more accessible. A growing population, coupled with increasing urbanization and a persistent demand for housing in key metropolitan areas, further fuels this market's expansion. Government initiatives aimed at supporting homeownership, such as tax incentives and affordable housing programs, also play a significant role. The market is segmented by loan type (purchase, refinance, improvement), source (banks, HFCs), interest rate (fixed, floating), and loan tenure. While refinancing activity might fluctuate based on prevailing interest rates, the underlying demand for home purchases remains strong, particularly in regions with robust job markets and population growth. Competition among lenders, including major players like Rocket Mortgage, LoanDepot, and Wells Fargo, alongside regional and smaller banks, is fierce, resulting in innovative loan products and competitive pricing. However, the market is not without its challenges. Rising inflation and potential interest rate hikes pose a significant risk, potentially dampening demand and increasing borrowing costs. Stringent lending regulations and increased scrutiny of creditworthiness could restrict access to loans for some borrowers. Furthermore, fluctuations in the housing market itself, including supply chain disruptions impacting construction and material costs, can influence the overall growth trajectory. Despite these headwinds, the long-term outlook for the US home loan market remains positive, driven by the fundamental need for housing and ongoing economic expansion in select regions. The diverse segmentation of the market allows for a nuanced understanding of the specific growth drivers and challenges within each segment. For instance, the home improvement loan segment is expected to see strong growth driven by homeowners' increasing desire to upgrade their existing properties. Recent developments include: June 2023: Bank of America Corp has been adding consumer branches in four new U.S. states, it said on Tuesday, bringing its national footprint closer to rival JPMorgan Chase & Co. Bank of America will likely open new financial centers in Nebraska, Wisconsin, Alabama, and Louisiana as part of a four-year expansion across nine markets, including Louisville, Milwaukee, and New Orleans., July 2022: Rocket Mortgage entered the Canadian Market with the acquisition. The company expanded from offering home loans in Ontario at launch to now providing mortgages in every province, primarily from its headquarters in downtown Windsor. The Edison Financial team grew along with the company, starting with just four team members in early 2020 to more than 140 at present.. Key drivers for this market are: Increase in digitization in mortgage lending market, Increase in innovations in software designs to speed up the mortgage-application process. Potential restraints include: Increase in digitization in mortgage lending market, Increase in innovations in software designs to speed up the mortgage-application process. Notable trends are: Growth in Nonbank Lenders is Expected to Drive the Market.

The benchmark interest rate in Norway was last recorded at 4 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Jumbo 30-Year Fixed Mortgage Rates

Zillow Home Value Forecast and Cash Buyer Data

By Zillow Data [source]

About this dataset

This dataset tracks the average jumbo mortgage rate quoted on Zillow Mortgages for a 30-year, fixed-rate, jumbo mortgage in one-hour increments during business hours. It provides insight into changes in the housing market and helps consumers make wiser decisions with their investments. In addition to tracking monthly mortgage rates, our dataset also covers consumer's home types and housing stock, cash buyer data, Zillow Home Value Forecast (ZHVF), negative equity metrics, affordability forecasts for both mortgages and rents as well as historic data including historical ZHVI and household income. With this unique blend of financial and real estate information, users are empowered to make more informed decisions about their investments. The data is updated weekly with the most recent statistics available so that users always have access to up-to-date information

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How to use the dataset

How to Use This Dataset:

• To start exploring this dataset, identify what type of home you are interested in by selecting one of the four categories: “all homes” (Zillow defines all homes as single family, condominiums and coops with a county record); multifamily 5+; duplex/triplex; or condos/coops.
• Understand additional data products that are included such as Zillow Home Value Forecast (ZHVF), Cash Buyers % share, affordability metrics like mortgage affordability or rental affordability and historical ZHVI values along with its median value for particular households or geographies which needs deeper insights into other endogenous variables such detailed information like how many bedrooms a house has etc.

• Choose your geographic region on which you would want to collect more information– regions could include city breakdowns from nationwide level down till specific metropolitan etc . Also use special crosswalks available if needed between federally defined metrics for counties / metro areas combined with Zillow's own ones for greater accuracy when analysing external facors effect on data . To download all datasets at once - click here. .

• Gather more relevant external factors for analysis such as home values forecasts using our published methodology post given url , further to mention TransUnion credit bureau related debt amounts also consider median household incomes vis Bureaus of Labor Cost Indexes ; All these give us greater dimensional insights into market dynamics affecting any particular region finally culminating into deeper research findings when taken together . The reasons behind any fluctions observed can be properly derived as a result .

          Finally make sure that proper attribution is alwys done following mentioned Terms Of Use while downloading since 'All Data Accessed And Downloaded From This Page Is Free For Public Use By Consumers , Media
  

Research Ideas

• Using the Mortgage Rate Data to devise strategies to help persons purchasing jumbo mortgages determine the best time and rates to acquire a loan.
• Analyzing trends in the market by investigating changes in affordability over time by studying rent and mortgage affordability, price-to-income ratios, and historical ZHVIs with cash buyers.
• Comparing different areas of housing markets over diverse geographies using data on all homes, condos/co-ops, multifamily dwellings 5+ units, duplexes/triplexes across various counties or metro areas

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: MortgageRateJumboFixed.csv | Column name | Description | |:---------------------------|:---------------------------------------------------------------------------------------------------------------| | Date | The date of the mortgage rate. (Date) | | TimePeriod | The time period of the ...

The US Home Loan Market Report is Segmented by Loan Purpose (Purchase, Home Improvement/Renovation, Others), Provider (Banks, Housing Finance Companies, Others), Interest Rates (Fixed Interest Rates, Floating Interest Rates), and Loan Tenure (Less Than or Equal To 10 Years, 11 – 20 Years, and Longer Than 20 Years). The Market Forecasts are Provided in Terms of Value (USD).

Canada Conventional Mortgage: 5 Years: Weekly data was reported at 6.490 % pa in 07 May 2025. This stayed constant from the previous number of 6.490 % pa for 30 Apr 2025. Canada Conventional Mortgage: 5 Years: Weekly data is updated weekly, averaging 5.700 % pa from Jan 2000 (Median) to 07 May 2025, with 1323 observations. The data reached an all-time high of 8.750 % pa in 31 May 2000 and a record low of 4.640 % pa in 12 Jul 2017. Canada Conventional Mortgage: 5 Years: Weekly data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate. [COVID-19-IMPACT]

The benchmark interest rate in Mexico was last recorded at 7.25 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The Brazil Home Loan Market is segmented By Source (Bank and Housing Finance Companies), By Interest Rate (Fixed Rate and Floating Rate), and By Tenure (Up to 5 Years, 6 - 10 Years, 11 - 24 Years, and 25 - 30 Years). The report offers market size and forecasts in value (USD) for all the above segments.

Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data was reported at 9.360 % pa in Mar 2025. This stayed constant from the previous number of 9.360 % pa for Feb 2025. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data is updated monthly, averaging 10.150 % pa from Dec 2004 (Median) to Mar 2025, with 244 observations. The data reached an all-time high of 12.490 % pa in Jun 2005 and a record low of 7.000 % pa in Oct 2021. Mexico Interest Rates on Household Credit: Mortgage Rate: Minimum data remains active status in CEIC and is reported by Bank of Mexico. The data is categorized under Global Database’s Mexico – Table MX.M006: Household Credit Interest Rates.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

More than ************* mortgage loans are projected to be affected by the increasing mortgage interest rates in Canada by 2025. About *********** of these mortgages are projected to be up for renewal in 2024. These loans were taken out at a time when interest rates were much lower, meaning that homeowners will be affected by a notable increase in their monthly payments.