Mortgage interest rates worldwide varied greatly in 2024, 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 increase 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 2023, 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.

As of June 2025, the maximum interest rate for 21 to 35-year fixed-rate Flat 35 housing loans with a loan-to-value ratio of 90 percent or less in Japan stood at **** percent. This represented an increase compared to **** percent in December 2024.

30 Year Mortgage Rate in the United States decreased to 6.77 percent in June 26 from 6.81 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 6.88 percent in the week ending June 20 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 FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter.

Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities.

Latest findings

• The outstanding value of all residential mortgage loans increased by 0.4% from the previous quarter to £1,660.9 billion, and was 0.3% higher than a year earlier.

• The value of gross mortgage advances increased by 16.7% from the previous quarter to £60.2 billion, the first increase since 2023 Q3, and was 15.5% higher than a year earlier.

• The value of new mortgage commitments (lending agreed to be advanced in the coming months) increased by 11.3% from the previous quarter to £66.9 billion, and was 12.5% greater than a year earlier.

The weighted average interest rates of housing bank loans in Turkey fluctuated during the period from June 2015 to October 2024. As of October 2024, the average interest rate reached 41.3 percent. The highest average interest rate was seen in the last week of March 2024 and amounted to over 43.53 percent.

Mortgage Application in the United States increased by 1.10 percent in the week ending June 20 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.

Mortgage Rate in Sweden increased to 3.13 percent in April from 3.09 percent in March of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Loan-to-Value (LTV): 50th Percentile (RCMFLOLTVPCT50) from Q3 2012 to Q4 2024 about FR Y-14M, origination, large, percentile, mortgage, loans, consumer, banks, depository institutions, and USA.

In 2024, United Wholesale Mortgage was the firm with the highest value of home purchase mortgage originations. The company was responsible for home buying loans worth **** billion U.S. dollars that year. The mortgage market has suffered a decline in new business since 2021, mostly attributed to refinancing loans plummeting due to the higher mortgage interest rates. Nevertheless, the market is forecast to pick up in 2026, as interest rates decline.

Average Mortgage Size in the United States increased to 379.21 Thousand USD in May 31 from 376.99 Thousand USD in the previous week. This dataset includes a chart with historical data for the United States Average Mortgage Size.

In 2024, United Wholesale Mortgage was the company with the largest market share based on the value of mortgage originations for home purchase. The company was responsible for 7.5 percent of the home purchase market in that year, slightly higher than the market share of the second lender in the ranking, PennyMac Financial. The aggregate market share of the top five lenders totaled approximately 26.5 percent. The mortgage market has suffered a decline in new business since 2021, mostly attributed to refinancing loans plummeting due to the higher mortgage interest rates. Nevertheless, the market is forecast to pick up in 2026, as interest rates decline.

The Brazilian home loan market exhibits robust growth potential, projected to reach a substantial size by 2033. The market's 11.20% CAGR from 2019-2024 signifies strong investor confidence and sustained demand. Key drivers include a growing middle class with increasing disposable incomes, government initiatives aimed at boosting homeownership, and a gradual improvement in the overall economic climate. While rising interest rates present a potential restraint, the diverse range of lenders—including major banks like Itaú Unibanco, Banco Bradesco, and Caixa Econômica Federal, along with fintech disruptors like Nubank and Creditas—contributes to market dynamism and accessibility. The market is segmented by lender type (banks, housing finance companies), interest rate type (fixed, floating), and loan tenure (categorized into specific year ranges). The substantial number of players underscores the competitiveness and evolving landscape, offering various loan options catering to different customer profiles and risk tolerances. The continued expansion of digital lending platforms enhances accessibility and efficiency, shaping the future trajectory of the market. The forecast period (2025-2033) anticipates continued expansion, driven by sustained economic growth and further penetration of digital lending technologies. However, macroeconomic factors like inflation and potential shifts in government policies will influence the market's growth trajectory. The segmentation by loan tenure suggests a significant proportion of loans are likely long-term, reflecting the long-term commitment associated with homeownership. The competition among established players and fintech entrants will likely drive innovation in product offerings and customer service, benefiting borrowers through more competitive rates and flexible loan terms. Analyzing regional variations within Brazil could further refine the market understanding and identify opportunities for targeted investments. The ongoing expansion of the middle class, combined with supportive government policies, positions the Brazilian home loan market for continued substantial growth over the forecast period. This report provides a detailed analysis of the Brazil home loan market, covering the period 2019-2033. It delves into market size, segmentation, growth drivers, challenges, and key players, offering invaluable insights for investors, lenders, and industry stakeholders. With a base year of 2025 and an estimated year of 2025, the forecast period spans from 2025 to 2033, building upon historical data from 2019-2024. The report also examines the impact of recent mergers and acquisitions (M&A) activity, regulatory changes, and emerging trends shaping the future of Brazilian mortgages. Expect in-depth analysis of mortgage rates, loan tenures, and the role of banks and housing finance companies (HFCs). This report is crucial for understanding the dynamic landscape of the Brazilian real estate financing sector. Recent developments include: August 2022: Brazilian lender Banco Bradesco SA subsidiary Bradescard has agreed to acquire Mexico's Ictineo Plataforma SA in a bid to offer digital accounts in Latin America's second-largest economy. Bradesco said the acquisition will allow the bank to enter the banking retail area, offering digital accounts, payroll loans, and investment accounts., April 2022: Brazilian banking group Itaú Unibanco has acquired a 12.82% stake in Rede Agro Fidelidade e Intermediação S.A. (Orbia) to expand its operations. The deal is aimed at expanding Itaú Unibanco's footprint by giving it access to Orbia's customer base and allowing the bank to offer them easy access to credit.. Key drivers for this market are: Economic Growth, Increased Mortgage Options. Potential restraints include: Economic Growth, Increased Mortgage Options. Notable trends are: Increase in High End Property Sales.

Interactive historical chart showing the 30 year fixed rate mortgage average in the United States since 1971.

According to a survey conducted from April to May 2024, the largest share of home loan borrowers in Japan, around 34.3 percent, had a borrowing rate of up to 0.5 percent per annum. According to the same survey, over 76 percent of home loan borrowers chose a variable rate housing loan.

Home Loans in the United Kingdom increased to 2054 GBP Million in May from -776 GBP Million in April of 2025. This dataset provides - United Kingdom Mortgage Lending- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Lending Rate: RUB Mortgage Loans: YB: Quarterly: NC: Stavropol Territory data was reported at 8.810 % pa in Dec 2024. This records an increase from the previous number of 8.180 % pa for Sep 2024. Lending Rate: RUB Mortgage Loans: YB: Quarterly: NC: Stavropol Territory data is updated quarterly, averaging 12.160 % pa from Sep 2006 (Median) to Dec 2024, with 74 observations. The data reached an all-time high of 14.900 % pa in Jun 2009 and a record low of 6.590 % pa in Jun 2022. Lending Rate: RUB Mortgage Loans: YB: Quarterly: NC: Stavropol Territory data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Kaluga Region data was reported at 8.890 % pa in Dec 2024. This records a decrease from the previous number of 9.320 % pa for Sep 2024. Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Kaluga Region data is updated quarterly, averaging 12.130 % pa from Sep 2006 (Median) to Dec 2024, with 74 observations. The data reached an all-time high of 14.660 % pa in Mar 2009 and a record low of 6.130 % pa in Jun 2022. Lending Rate: RUB Mortgage Loans: YB: Quarterly: CF: Kaluga Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Mortgage Loans: Quarterly: RUB: Year to Date: SF: Volgograd Region data was reported at 50,910.000 RUB mn in Dec 2024. This records an increase from the previous number of 40,885.000 RUB mn for Sep 2024. Mortgage Loans: Quarterly: RUB: Year to Date: SF: Volgograd Region data is updated quarterly, averaging 9,436.500 RUB mn from Sep 2006 (Median) to Dec 2024, with 74 observations. The data reached an all-time high of 86,798.000 RUB mn in Dec 2023 and a record low of 161.800 RUB mn in Mar 2009. Mortgage Loans: Quarterly: RUB: Year to Date: SF: Volgograd Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Global Database’s Russian Federation – Table RU.KAD003: Personal Loans: RUB: ytd: ow Housing Purchase: ow Mortgage.

The China Home Loan Market was valued at USD 680.56 Billion in 2024 and is expected to reach USD 971.78 Billion by 2030 with a CAGR of 6.12%.