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.

Mortgage interest rates in the UK were on a downward trend for more than a decade before soaring in 2022. In the first quarter of 2025, the average weighted interest rate stood at **** percent — nearly ***** times the interest rate in the first quarter of 2022. Mortgage rates also vary depending on the type of mortgage: Historically, fixed rate mortgages with a shorter term had on average lower interest rates. What types of mortgages are there? In terms of the type of interest rate, mortgages can be fixed and variable. A fixed interest rate is simply a mortgage where the rate of repayment is fixed, while a variable rate depends on the lender’s underlying variable interest rate. Furthermore, mortgages could be for a house purchase or for refinancing. The vast majority of mortgages in the UK are fixed rate mortgages for house purchase, and only a small share is for remortgaging. How big is the UK mortgage market? The UK has the largest mortgage market in Europe, amounting to over ** billion euros in gross residential mortgage lending as of the fourth quarter of 2024. When comparing the total outstanding residential mortgage lending, the UK also ranks first with about *** trillion euros.

Mortgage rates were expected to stay the same, according to ** percent of Americans who participated in a nationally representative survey conducted in August 2025. Meanwhile, ** percent believed rates would decrease over the next 12 months, while ** percent expected them to rise.

United States Mortgage Fixed Rate: Wk Ending: 15 Year: Point data was reported at 0.400 % pa in 25 Oct 2018. This stayed constant from the previous number of 0.400 % pa for 18 Oct 2018. United States Mortgage Fixed Rate: Wk Ending: 15 Year: Point data is updated weekly, averaging 0.600 % pa from Jan 2004 (Median) to 25 Oct 2018, with 773 observations. The data reached an all-time high of 0.800 % pa in 25 Jul 2013 and a record low of 0.070 % pa in 24 Nov 2011. United States Mortgage Fixed Rate: Wk Ending: 15 Year: Point 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 USA – Table US.M012: Mortgage Interest Rate.

Mortgage credit interest rate, percent in Croatia, August, 2025 The most recent value is 3.04 percent as of August 2025, no change compared to the previous value of 3.04 percent. Historically, the average for Croatia from December 2011 to August 2025 is 4.34 percent. The minimum of 2.85 percent was recorded in June 2023, while the maximum of 6.14 percent was reached in December 2011. | TheGlobalEconomy.com

The mortgage interest rate for mortgages with initial fixed period rates up to one year in Italy decreased overall between 2011 and 2021, followed by a spike in 2022. In the first quarter of 2025, the rate stood at **** percent, down from **** percent in the fourth quarter of 2023, when rates peaked. In the same period, the gross residential mortgage lending in Italy fluctuated.

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

Mortgage credit interest rate, percent in Brazil, September, 2025 The most recent value is 10.31 percent as of September 2025, a decline compared to the previous value of 10.45 percent. Historically, the average for Brazil from March 2011 to September 2025 is 9.07 percent. The minimum of 6.63 percent was recorded in May 2021, while the maximum of 11.41 percent was reached in July 2023. | TheGlobalEconomy.com

United States WAS: Effective Rate: 30-Year Jumbo: 1-Wk Change data was reported at 0.060 Point in 20 Jul 2018. This records an increase from the previous number of 0.010 Point for 13 Jul 2018. United States WAS: Effective Rate: 30-Year Jumbo: 1-Wk Change data is updated weekly, averaging -0.010 Point from Jan 2011 (Median) to 20 Jul 2018, with 392 observations. The data reached an all-time high of 0.290 Point in 11 Feb 2011 and a record low of -0.230 Point in 22 Apr 2011. United States WAS: Effective Rate: 30-Year Jumbo: 1-Wk Change data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

Bank Lending Rate in Belgium increased to 3.51 percent in September from 3.49 percent in August of 2025. This dataset provides - Belgium Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Russia Bank Lending Conditions: Households: Mortgage: Loan Interest Rate data was reported at 17.857 % Point in Mar 2019. This records a decrease from the previous number of 20.238 % Point for Dec 2018. Russia Bank Lending Conditions: Households: Mortgage: Loan Interest Rate data is updated quarterly, averaging -6.061 % Point from Dec 2011 (Median) to Mar 2019, with 30 observations. The data reached an all-time high of 70.000 % Point in Dec 2014 and a record low of -31.818 % Point in Sep 2017. Russia Bank Lending Conditions: Households: Mortgage: Loan Interest Rate data remains active status in CEIC and is reported by The Central Bank of the Russian Federation. The data is categorized under Global Database’s Russian Federation – Table RU.KAC018: Bank Lending Tightness: Loans to Households.

Mortgage credit interest rate, percent in Montenegro, September, 2025 The most recent value is 4.92 percent as of September 2025, no change compared to the previous value of 4.92 percent. Historically, the average for Montenegro from September 2011 to September 2025 is 6.04 percent. The minimum of 4.24 percent was recorded in August 2021, while the maximum of 9.91 percent was reached in August 2014. | TheGlobalEconomy.com

Mortgage credit interest rate, percent in Grenada, December, 2019 The most recent value is 7 percent as of December 2019, no change compared to the previous value of 7 percent. Historically, the average for Grenada from March 2009 to December 2019 is 8.53 percent. The minimum of 5.79 percent was recorded in December 2011, while the maximum of 9.63 percent was reached in March 2009. | TheGlobalEconomy.com

WAS: Effective Rate: 5-Year ARM: 1-Wk Change data was reported at -0.070 Point in 20 Jul 2018. This records a decrease from the previous number of 0.000 Point for 13 Jul 2018. WAS: Effective Rate: 5-Year ARM: 1-Wk Change data is updated weekly, averaging -0.010 Point from Jan 2011 (Median) to 20 Jul 2018, with 392 observations. The data reached an all-time high of 0.290 Point in 11 Dec 2015 and a record low of -0.270 Point in 09 Jan 2015. WAS: Effective Rate: 5-Year ARM: 1-Wk Change data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

United States WAS: Total Points: 30-Year Jumbo data was reported at 0.290 % in 16 Nov 2018. This records an increase from the previous number of 0.280 % for 09 Nov 2018. United States WAS: Total Points: 30-Year Jumbo data is updated weekly, averaging 0.310 % from Jan 2011 (Median) to 16 Nov 2018, with 410 observations. The data reached an all-time high of 0.640 % in 17 Jun 2011 and a record low of 0.060 % in 27 Jun 2014. United States WAS: Total Points: 30-Year Jumbo data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

As of November 27, 2025, the Bank of Israel's declared interest rate was **** percent. This was following the Bank's decision to reduce its declared rate by one quarter of a point. Between ********** and *************, the country went through a period of rate hikes in an effort to curb inflation. During the observed period, interest rates in Israel peaked at ** percent in ************* and *********. Following the global financial crisis between 2008 and 2011, rates were reduced to near-zero levels until **********.

United States WAS: Contract Rate: 30-Year Jumbo data was reported at 4.880 % in 23 Nov 2018. This stayed constant from the previous number of 4.880 % for 16 Nov 2018. United States WAS: Contract Rate: 30-Year Jumbo data is updated weekly, averaging 4.210 % from Jan 2011 (Median) to 23 Nov 2018, with 411 observations. The data reached an all-time high of 5.640 % in 11 Feb 2011 and a record low of 3.600 % in 30 Sep 2016. United States WAS: Contract Rate: 30-Year Jumbo data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s United States – Table US.M013: Weekly Applications Survey: Mortgage Interest Rate.

The benchmark interest rate in Germany was last recorded at 4.50 percent. This dataset provides - Germany Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up but remained stable throughout 2024. In the second quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

In June 2024, the European Central Bank (ECB) began reducing its fixed interest rate for the first time since 2016, implementing a series of cuts. The rate decreased from 4.5 percent to 3.15 percent by year-end: a 0.25 percentage point cut in June, followed by additional reductions in September, October, and December. The central bank implemented other cuts in the first half of 2025, setting the rate at 2.15 percent in June 2025. This marked a significant shift from the previous rate hike cycle, which began in July 2022 when the ECB raised rates to 0.5 percent and subsequently increased them almost monthly, reaching 4.5 percent by December 2023 - the highest level since the 2007-2008 global financial crisis. How does this ensure liquidity? Banks typically hold only a fraction of their capital in cash, measured by metrics like the Tier 1 capital ratio. Since this ratio is low, banks prefer to allocate most of their capital to revenue-generating loans. When their cash reserves fall too low, banks borrow from the ECB to cover short-term liquidity needs. On the other hand, commercial banks can also deposit excess funds with the ECB at a lower interest rate. Reasons for fluctuations
The ECB’s primary mandate is to maintain price stability. The Euro area inflation rate is, in theory, the key indicator guiding the ECB's actions. When the fixed interest rate is lower, commercial banks are more likely to borrow from the ECB, increasing the money supply and, in turn, driving inflation higher. When inflation rises, the ECB increases the fixed interest rate, which slows borrowing and helps to reduce inflation.