Mortgage Application in the United States increased by 3.10 percent in the week ending August 1 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.

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations, amounted to 190 billion U.S. dollars in the fourth quarter of 2024, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 304 billion U.S. dollars in the fourth quarter of 2024. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment, and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

Mortgage Approvals in the United Kingdom increased to 64.17 Thousand in June from 63.29 Thousand in May of 2025. This dataset provides the latest reported value for - United Kingdom Mortgage Approvals - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The total monthly number of mortgage approvals for the purpose of a house sale in the UK plummeted in 2020 during the COVID-19 pandemic, followed by a spike in the second half of the year. In 2021, interest rates started to rise, resulting in a decline in the volume of mortgage approvals. In May 2025, mortgage approvals for home purchases totaled ******, while remortgage approvals stood at ******* Being approved for a mortgage is one of the first steps in purchasing a home, which makes it an early indicator of the development of transaction volumes. However, a mortgage approval does not necessarily mean that a sale is going to take place, as home buyers need to undergo several other steps to complete the sale: conveyancing, or the process of transferring the legal title of the property from the seller to the buyer, a property survey, contract exchange, and closing.

Fixed 30-year mortgage rates in the United States averaged 6.77 percent in the week ending August 1 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.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-08-07 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

Mortgage originations in the United States plummeted in 2021 and 2022, after soaring to an all-time high in the previous two years. In the fourth quarter of 2024, the value of new mortgage originations amounted to 494 billion U.S. dollars, about 200 billion U.S. dollars higher than the dip in the first quarter of 2023. These fluctuations were mostly because of the development of mortgage interest rates and mortgage lending for home refinance: While interest rates were at a record low in 2020, many homebuyers used the opportunity to refinance their loan. After rates increased, refinancing declined dramatically. How have home sales developed? Over the past decade, the annual number of homes sold in the U.S. ranged between 4.7 million and 6.9 million, with the number of sales of existing homes far outweighing that of newly built homes sold. Housing transactions have generally declined since 2021 because of the less favorable credit conditions and worsening housing affordability. Cash purchases on the rise Although buying in cash is largely uncommon in the U.S., the number of houses bought with cash has increased since 2009. For those who can afford it, a cash purchase provides a number of benefits. Most importantly, cash buyers save from mortgage payments. Additionally, the closing time on these transactions time faster, which gives a competitive advantage in markets with a lot of competition.

Mortgage Originations in the United States increased to 458.28 Billion USD in the second quarter of 2025 from 425.63 Billion USD in the first quarter of 2025. This dataset includes a chart with historical data for the United States Mortgage Originations.

Python script used to examine how the marketing of properties explains neighborhood racial and income change using historical public remarks in real estate listings from Multiple Listing Services (MLS) collected and curated by CoreLogic.The primary dataset used for this research consists of 158,253 geocoded real estate listings for single-family homes in Mecklenburg County, North Carolina between 2001 and 2020. The historical MLS data which include public remarks is proprietary and can be obtained through purchase agreement with CoreLogic. The MLS is not publicly available and only available for members of the National Association of Realtors. Public remarks for homes currently listed for sale can be collected from online real estate websites such as Zillow, Trulia, Realtor.com, Redfin, and others.Since we cannot share this data, users need to, before running the script provided here, run the script provided by Nilsson and Delmelle (2023) which can be accessed here: https://doi.org/10.6084/m9.figshare.20493012.v1. This in order to get a fabricated/mock dataset of classified listings called classes_mock.csv. The article associated with Nilsson and Delmelle's (2023) script can be accessed here: https://www.tandfonline.com/doi/abs/10.1080/13658816.2023.2209803The user can then run the code together with the data provided here to estimate the threshold models together with data derived from the publicly available HMDA data. To compile a historical data set of loan/application records (LAR) for the user's own study are, the user will need to download data from the following websites:https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2022 (2017-forward)https://www.ffiec.gov/hmda/hmdaproducts.htm (2007-2016)https://catalog.archives.gov/search-within/2456161?limit=20&levelOfDescription=fileUnit&sort=naId:asc (for data prior to 2007)

The US home loan market, a significant component of the broader mortgage industry, 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. Firstly, a consistently low unemployment rate and rising disposable incomes are empowering more Americans to pursue homeownership. Secondly, historically low interest rates (though potentially fluctuating) throughout much of the forecast period are making mortgages more accessible and affordable. Thirdly, government initiatives aimed at boosting housing affordability, such as tax incentives and relaxed lending criteria (though subject to potential policy changes), contribute significantly to the market's expansion. Furthermore, the increasing preference for larger homes, particularly among millennials and Gen Z, further fuels demand. The market is segmented across various loan types (home purchase, refinance, home improvement), sources (banks, housing finance companies), interest rates (fixed, floating), and loan tenures. While fluctuating interest rates and economic uncertainties represent potential restraints, the long-term outlook for the US home loan market remains positive, driven by sustained demand and ongoing innovation within the financial technology sector. The competitive landscape is intensely dynamic, with major players like Rocket Mortgage, LoanDepot, Wells Fargo, and Bank of America dominating the market. However, smaller, regional lenders and online mortgage providers are also carving a niche for themselves by offering tailored services and competitive pricing. Market segmentation also presents opportunities for specialized lenders to focus on specific demographic groups or loan types, leveraging technology and data analytics to refine their offerings. The regional distribution of the market mirrors the US population density, with the Northeast, West Coast, and Southern regions demonstrating the highest activity. However, the market is becoming increasingly decentralized, with rising homeownership rates across previously less active areas. Overall, the US home loan market presents a compelling investment opportunity characterized by substantial growth potential, albeit with inherent risks tied to macroeconomic volatility and regulatory changes. 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 period from March to August 2020 saw noticeably weaker demand for home loans in Poland. This state results from the outbreak of the coronavirus (COVID-19) pandemic in Poland in March 2020. The highest decline in the demand for housing loans was recorded in August 2022 due to the high inflation. One of the main reasons for the decline in demand was also tightening and rising interest rates that reduced the creditworthiness of potential borrowers. As of June 2025, the demand for mortgage loans continues to evolve, with the latest data indicating a value of **** percent. Loan market in Poland In 2023, the net value of loans to households in Poland was *** billion zloty, representing a decrease of *** percent over the previous year. In this period, in terms of credit type, the highest value was achieved by real estate loans granted to households. Their value amounted to over *** billion zloty, followed by consumer loans with a total value of nearly *** billion zloty. Mortgage loans in Poland In 2023, there has been a continuing trend of decreasing the popularity of housing loans up to 100,000 zloty. A growing number of Poles have taken out loans of the value of over ******* zloty. And the average value of a mortgage loan in 2023 increased by ** percent compared to the previous year and amounted to nearly ******* zloty. In this period, Poland’s number of active mortgage loans also decreased, reaching nearly *** million.

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.

United Kingdom Bounce Back Loan Scheme (BBLS): Applications data was reported at 1,430,017.000 Unit in 16 Aug 2020. This records an increase from the previous number of 1,404,726.000 Unit for 09 Aug 2020. United Kingdom Bounce Back Loan Scheme (BBLS): Applications data is updated weekly, averaging 1,186,006.000 Unit from May 2020 (Median) to 16 Aug 2020, with 15 observations. The data reached an all-time high of 1,430,017.000 Unit in 16 Aug 2020 and a record low of 363,646.000 Unit in 10 May 2020. United Kingdom Bounce Back Loan Scheme (BBLS): Applications data remains active status in CEIC and is reported by HM Treasury. The data is categorized under Global Database’s United Kingdom – Table UK.KB043: Coronavirus Business Interruption Loan Scheme.

Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In May 2025, the average 10-year fixed rate interest rate reached **** percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2023, reaching just above *** million. Despite the number of transactions falling, this figure was higher than the period before the COVID-19 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for five straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About **** million homeowners are projected to see their deal expire by the end of 2026. About *** million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026.

Coronavirus Business Interruption Loan Scheme (CBILS): Applications data was reported at 122,885.000 Unit in 16 Aug 2020. This records an increase from the previous number of 121,669.000 Unit for 09 Aug 2020. Coronavirus Business Interruption Loan Scheme (CBILS): Applications data is updated weekly, averaging 104,569.000 Unit from May 2020 (Median) to 16 Aug 2020, with 15 observations. The data reached an all-time high of 122,885.000 Unit in 16 Aug 2020 and a record low of 64,531.000 Unit in 10 May 2020. Coronavirus Business Interruption Loan Scheme (CBILS): Applications data remains active status in CEIC and is reported by HM Treasury. The data is categorized under Global Database’s United Kingdom – Table UK.KB043: Coronavirus Business Interruption Loan Scheme.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** percent. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

Black mortgage applicants had the highest denial rates in the United States between the first quarter of 2019 and the third quarter of 2023. In the third quarter of 2023, denial rates were ** percent for Black applicants, while Hispanic applicants had the second-highest denial rates at **** percent. For all races, the denial rates significantly fluctuated between 2019 and 2023.

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-08-07 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

英国 Coronavirus Business Interruption Loan Scheme (CBILS): Applications在2020-08-16达122,885.000 单位，相较于2020-08-09的121,669.000 单位有所增长。英国 Coronavirus Business Interruption Loan Scheme (CBILS): Applications数据按每周更新，2020-05-10至2020-08-16期间平均值为104,569.000 单位，共15份观测结果。该数据的历史最高值出现于2020-08-16，达122,885.000 单位，而历史最低值则出现于2020-05-10，为64,531.000 单位。CEIC提供的英国 Coronavirus Business Interruption Loan Scheme (CBILS): Applications数据处于定期更新的状态，数据来源于HM Treasury，数据归类于Global Database的英国 – Table UK.KB043: Coronavirus Business Interruption Loan Scheme。