30 Year Mortgage Rate in the United States increased to 6.72 percent in July 10 from 6.67 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 6.77 percent in the week ending July 4 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.

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 2025-07-10 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

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 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-07-10 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

After a period of record-low mortgage interest rates, the cost of mortgage borrowing in Germany surged in 2022. In 2019, mortgage rates declined notably, falling as low as **** percent in December 2020. This downward trend reversed in 2021, as mortgage rates started to gradually pick up. Five-to-ten-year mortgage loans had the lowest rates in March 2025 at **** percent, while floating rate mortgages up to one year were the most expensive at **** percent. Mortgages with over **-year fixed period – the most popular loan type among homebuyers — had an interest rate of **** percent. Why did mortgage rates in Germany increase? In 2022, the annual inflation rate in Germany experienced a swift rise, prompting the central bank to raise interest rates to counter this surge. The European Central Bank (ECB) is responsible for determining Germany's central bank interest rate. In July 2022, following a prolonged period of stability, the average interest rates in Germany began a steady rise, which persisted consistently thereafter.  This increase is intended to stabilize prices, but it also means higher borrowing costs for those seeking mortgages. Downturn in Germany's home loan borrowing From 2022 onward, the gross residential mortgage lending in Germany fell dramatically. Besides the higher interest rates, the downturn can be explained by the slowed pace of economic growth, which makes individuals and businesses more cautious about big investments such as buying a home. Additionally, the German housing market suffers a chronic undersupply, meaning that homebuyers often struggle to find an affordable home to purchase.

Retail Interest Rates - Mortgage Rates. Published by Central Bank of Ireland. Available under the license Creative Commons Attribution 4.0 (CC-BY-4.0).Table B.3.1 presents quarterly mortgage rate data specific to the Irish market. These data include all euro and non-euro denominated mortgage lending in the Republic of Ireland only. New business refers to new mortgage lending drawdowns during the quarter, broken down by type of interest rate product (i.e. fixed, tracker and SVR). The data also provide further breakdown of mortgages for principal dwelling house (PDH) and buy-to-let (BTL) properties. Renegotiations of existing loans are not included....

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.

Exploiting variation in the timing of resets of adjustable-rate mortgages (ARMs), we find that a sizable decline in mortgage payments (up to 50 percent) induces a significant increase in car purchases (up to 35 percent). This effect is attenuated by voluntary deleveraging. Borrowers with lower incomes and housing wealth have significantly higher marginal propensity to consume. Areas with a larger share of ARMs were more responsive to lower interest rates and saw a relative decline in defaults and an increase in house prices, car purchases, and employment. Household balance sheets and mortgage contract rigidity are important for monetary policy pass-through.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Graph and download economic data for 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Greater Than 80, FICO Score Between 720 and 739 (OBMMIC30YFLVGT80FB720A739) from 2017-01-03 to 2025-06-20 about score, 30-year, fixed, mortgage, rate, indexes, and USA.

After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, interest rate, interest, 5-year, rate, and USA.

Graph and download economic data for 30-Year Fixed Rate Jumbo Mortgage Index (OBMMIJUMBO30YF) from 2017-01-03 to 2025-07-11 about jumbo, 30-year, fixed, mortgage, rate, indexes, and USA.

Mortgage Application in the United States increased by 9.40 percent in the week ending July 4 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Source: From lending institutions and local authorities The loan payments dataset stops in 2007. The figures on fixed interest rate mortgages relate to mortgages which provide that the rate of interest may not be changed, or may only be changed at intervals of not less than one year. The most current data is published on these sheets. Previously published data may be subject to revision. Any change from the originally published data will be highlighted by a comment on the cell in question. These comments will be maintained for at least a year after the date of the value change.

Mortgage credit interest rate, percent in Denmark, March, 2025 The most recent value is 4.58 percent as of March 2025, a decline compared to the previous value of 4.65 percent. Historically, the average for Denmark from January 2003 to March 2025 is 4.55 percent. The minimum of 2.58 percent was recorded in June 2022, while the maximum of 7.76 percent was reached in November 2008. | TheGlobalEconomy.com

Prospective American homebuyers expected that mortgage rates would decline, according to a nationally representative survey conducted in August 2024. The youngest generation (** to 34-year-olds) was the only age group that still expected a rise in interest rates in the next 12 months. People aged 45 to 64 were most optimistic, with the share of respondents expecting a decrease outweighing the share expecting a hike by ** percent.

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.