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.

nows days people take loans for various purposes so a lot of people go to the bank for it but now all people are the same and good when it comes to EMI or they are demanding more so this is the cleaned data set of people who apply for loans and the target is their loan gets approved or not the feature of the dataset is like this.

1)Loan_Id:- Unique Loan ID 2)Gender:- Male/ Female 3)Married:- Applicant married (Y/N) 4)Dependents:- Number of dependents 5)Education:- Applicant Education (Graduate/ Under Graduate) 6)Self_Employed:- Self employed (Y/N) 7)ApplicantIncome:- Applicant's income 8)CoapplicantIncome:- Co-applicant income 9)LoanAmount:- Loan amount in thousands 10)Loan_Amount_Term:- Term of the loan in months 11)Credit_History:- credit history meets guidelines 12)Property_Area:- Urban/ Semi Urban/ Rural 13)Loan_Status:- Loan approved (Y/N)

The size of the North America Mortgage/Loan Brokers Market market was valued at USD XX Million in 2023 and is projected to reach USD XXX Million by 2032, with an expected CAGR of 5.00% during the forecast period. Recent developments include: In November 2022, To expand the use of eNotes across 250 locations in 49 states, Primary Residential Mortgage Inc. (PRMI) employed the eVault and digital closing platform from Snapdocs., In August 2022, Due to the slowdown in home sales caused by rising interest rates, the two biggest mortgage lenders in the US are increasing pressure on their smaller rivals by providing discounts and other incentives. The two biggest mortgage originators in the US, Rocket Mortgage and United Wholesale Mortgage, respectively, are pursuing aggressive strategies at a time when many lenders are leaving the market or going out of business.. Notable trends are: Increase in Digitization in Lending and Blockchain Technology is driving the market.

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.

The USA home loan market is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 18% from 2025 to 2033. While the exact market size for 2025 is not provided, considering a typical large market size and the substantial growth rate, a reasonable estimate would place the market value at approximately $2 trillion in 2025. This significant expansion is driven by several key factors, including a rising population, increasing urbanization, favorable government policies promoting homeownership, and historically low-interest rates (though this last factor is less significant in recent years). The market is witnessing a shift towards digital platforms and online mortgage applications, streamlining the process for borrowers and increasing competition amongst lenders. However, challenges remain, such as fluctuating interest rates, potential economic downturns impacting affordability, and stringent lending regulations designed to protect borrowers. The competitive landscape is dominated by major players like Rocket Mortgage, LoanDepot, Wells Fargo, and Bank of America, along with regional and independent mortgage lenders. These companies are constantly innovating to cater to evolving customer preferences, offering personalized services, and leveraging data analytics for improved risk assessment. The market segmentation is likely diverse, encompassing various loan types (e.g., fixed-rate, adjustable-rate, FHA, VA loans), loan amounts, and borrower demographics. Future growth will depend on macroeconomic factors, including inflation, employment rates, and overall consumer confidence. Continued technological advancements and regulatory changes will significantly influence the market trajectory throughout the forecast period. 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.

This dataset contains the predicted prices of the asset 🏠 From Memecoins to Mortgage Loans over the next 16 years. This data is calculated initially using a default 5 percent annual growth rate, and after page load, it features a sliding scale component where the user can then further adjust the growth rate to their own positive or negative projections. The maximum positive adjustable growth rate is 100 percent, and the minimum adjustable growth rate is -100 percent.

The size of the Mortgage Lending Market was valued at USD 1.58 Billion in 2023 and is projected to reach USD 2.89 Billion by 2032, with an expected CAGR of 9.00% during the forecast period. 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.

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.

Market Overview: The global Mortgage Loan Service market is projected to expand at a CAGR of XX% during the forecast period, from a market size of XXX million in 2025 to XXX million by 2033. The growing demand for home ownership, rising disposable incomes, and favorable government policies are key market drivers. Additionally, advancements in technology, such as the use of artificial intelligence (AI) and blockchain, are enhancing efficiency and streamlining the mortgage process, contributing to market growth. Market Segmentation and Competitive Landscape: The Mortgage Loan Service market is segmented by application (Individual, Enterprise) and type (Residential, Commercial Estate). Leading market players include Rocket Mortgage, United Shore Financial Services, LoanDepot, Lakeview, Quicken Loans, and Chase. These companies offer a wide range of mortgage products and services, leveraging their established presence, brand recognition, and technological capabilities to capture a significant market share. Regional analysis indicates that North America dominates the market, followed by Europe and Asia Pacific.

The Global 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), Loan Tenure (Less Than or Equal To 10 Years, 11 – 20 Years, and More), and Geography (North America, South America, and More). The Market Forecasts are Provided in Terms of Value (USD).

**Context: **

1. Housing Finance company is a company which provide home loans for the houses which were present across all urban, semi-urban and rural areas for their valued customers.
2. The company validates the eligibility of loan after customer applies for the loan. However, it consumes lot of time for the manual validation of eligibility process.
3. Hence, the company wants to automate the loan eligibility process based on the customer information and identify the factors/customer segments who are eligible for taking the loan.
4. As banks would give loans to only those customers that are eligible so that they can be assured of getting the money back.
5. Hence, the more accurate we are in predicting the eligible customers the more beneficial it would be for the company.

**Acknowledgements: **

1. An Exploratory Data Analysis for Loan Prediction Based on Nature of the Clients. International Journal of Recent Technology and Engineering (IJRTE) ISSN: 2277-3878, Volume-7 Issue-4S, November 2018. X.Francis Jency, V.P.Sumathi, Janani Shiva Sri.

The value of the loan portfolio of banks to households was expected to grow the most in Hungary and Bulgaria in 2025 and 2026. Meanwhile, bank loans to households in Germany, Italy, and France were forecast to have low growth rates, staying under *** percent in 2025. Overall, the total value of the household loans market in the EU as a whole is expected to keep growing in the next few years.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

US Mortgage/Loan Brokers Market Analysis The US mortgage/loan brokers market is substantial, valued at USD XX million in 2025 with a projected CAGR of 5.00% during 2025-2033. This growth is attributed to factors such as rising demand for home ownership, increasing home values, and low interest rates. The market is segmented by component (products, services), enterprise (large, small, medium-sized), application (home loans, commercial loans, etc.), end-user (business, individuals), and region. Prominent players include Quicken Loans, Wells Fargo, and Caliber Home Loans. Market Drivers and Trends The growth of the US mortgage/loan brokers market is driven by several factors, including the increasing demand for residential and commercial construction, government incentives for home ownership, and the availability of various loan options. Additionally, technological advancements, such as online loan applications and mobile banking, are simplifying the loan application process. However, rising interest rates and stricter lending regulations pose potential challenges to the market's growth. Nonetheless, the growing need for mortgages and the increasing complexity of loan processes are expected to drive the market's expansion in the coming years. Recent developments include: November 2022: A digital home equity line of credit was introduced by loanDepot, one of the country's biggest non-bank retail mortgage lenders, against the backdrop of inflation and rising consumer debt., October 2022: Pennymac Financial Services launched POWER+, its next generation broker technology platform. Brokers will now have more speed and control over the mortgage process to deliver an exceptional experience to their customers and referral partners.. Notable trends are: Adoption of the New Technologies Driving the Market.

Mortgage Rate in Sweden decreased to 2.80 percent in September from 2.84 percent in August of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

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.

Mortgage Application in the United States increased by 0.20 percent in the week ending November 21 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.

This dataset is a prepared dataset for the AI511-HOMELOAN-2022 competiton. There are 4 pairs of files, where each pair has the training and test sets.

• train_with_new_features.csv and test_with_new_features.csv - These files have all the new features that have been engineered. There is no further preprocessing. This is useful if you want to run your own experiments with missing value imputation and scaling.
• train_scaled_no_nulls.csv and test_scaled_no_nulls.csv - These files have the new features, all the missing values have been imputed using median for numerical features and mode for categorical features, and the numerical columns have been scaled using min-max scaling. This is useful if you want to experiment with ways to encode categorical features.
• train_le_scaled_no_nulls.csv and test_le_scaled_no_nulls.csv - In addition to all of the above, the categorical features have been label encoded. Note that there are some features where categories in the training set are not present in the test set and vice-versa. All such categories have been encoded with -1 in the test set.
• train_ohe_scaled_no_nulls.csv and test_ohe_scaled_no_nulls.csv - Same as above except categorical features are one-hot encoded.

The new features that have been engineered are as follows:

• loan_rate - This is the ratio between amt_credit and amt_annuity. Thus, it is a direct measure of the duration of the loan in months.​
• loan_income_ratio - This is the ratio between amt_credit and amt_income_total. Thus, it acts as an indirect measure of the amount of liability that the applicant is taking on themselves. A higher value indicates that the loan amount is much bigger than the applicant's income, suggesting that they've taken a bigger liability than someone with a smaller ratio.​
• annuity_income_ratio - This is the ratio between amt_annuity and amt_income_total. It is another measure of liability but measures it at a finer timescale (per month vs over multiple months) since amt_annuiity is the amount to be paid each month against the loan.​
• application_is_incomplete - Denotes whether the applicant submitted an incomplete application or not.
• es1_is_missing - True if ext_source_1 is missing for the applicant.
• es3_is_missing - True if ext_source_3 is missing for the applicant.

Additionally, the train set in the last 2 pairs of files has a kfold column which has been generated using Stratified K-Fold (due to target imbalance) and can be used in a CV loop.

The global Home Equity Loan market size was valued at USD 10.85 billion in 2022 and is expected to grow at a compound annual growth rate (CAGR) of 4.5% from 2023 to 2032. The growing demand for home equity loans due to various factors such as rising home values, low-interest rates, and increasing consumer spending, is driving the market growth. Additionally, the increasing number of homeowners and the expansion of the housing market in developing countries are contributing to the market's growth. The market is segmented based on type, application, and region. Based on type, the market is divided into fixed-rate loans and equity credit. Based on the application, the market is divided into large banks, rural credit cooperatives, and others. Geographically, the market is analyzed across North America, Europe, Asia-Pacific, and the Rest of the World. North America held the largest market share in 2022, and it is expected to maintain its dominance throughout the forecast period. The presence of well-established financial institutions and the increasing adoption of home equity loans are driving the growth of the market in this region.