MBA Mortgage Market Index in the United States decreased to 245.70 points in July 25 from 255.50 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

Nahb Housing Market Index in the United States increased to 33 points in July from 32 points in June of 2025. This dataset provides the latest reported value for - United States Nahb Housing Market Index - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus 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.

The housing credit affordability index stood at **** percent in the third quarter of 2024. This indicated that less than five percent of home purchase loans in the U.S. were at risk of going unpaid for more than ** days and defaulting. At its peak before the Subprime mortgage crisis, the index stood at ***** percent, with borrower risk amounting to ***** percent and product risk, **** percent. The decline in the index shows the decrease in risk appetite of lenders, the tightened lending standards and unwillingness to accept higher risk of defaults.

Optimal Blue is a leading provider of mortgage rates in the U.S. markets. Their most popular offering is the Optimal Blue Mortgage Market Indices (OBMMI).

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-07-29 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

Mortgage News Daily is a leading news and analysis provider of U.S. mortgage markets and publish Mortgage News Daily rate index which is published daily.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

United States Housing Market Index: sa: Single Family Detached: Present data was reported at 67.000 NA in Nov 2018. This records a decrease from the previous number of 74.000 NA for Oct 2018. United States Housing Market Index: sa: Single Family Detached: Present data is updated monthly, averaging 59.000 NA from Jan 1985 (Median) to Nov 2018, with 407 observations. The data reached an all-time high of 86.000 NA in Dec 1998 and a record low of 6.000 NA in Jan 2009. United States Housing Market Index: sa: Single Family Detached: Present data remains active status in CEIC and is reported by National Association of Home Builders. The data is categorized under Global Database’s United States – Table US.EB013: Housing Market Index.

United States WAS: Market Volume Index: ARM data was reported at 522.400 15Mar1996=1000 in 20 Jul 2018. This records an increase from the previous number of 501.700 15Mar1996=1000 for 13 Jul 2018. United States WAS: Market Volume Index: ARM data is updated weekly, averaging 847.200 15Mar1996=1000 from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 7,150.400 15Mar1996=1000 in 19 Mar 2004 and a record low of 20.400 15Mar1996=1000 in 05 Jan 1990. United States WAS: Market Volume Index: ARM data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

The Housing Affordability Index value in the United States plummeted in 2022, surpassing the historical record of ***** index points in 2006. In 2024, the housing affordability index measured **** index points, making it the second-worst year for homebuyers since the start of the observation period. What does the Housing Affordability Index mean? The Housing Affordability Index uses data provided by the National Association of Realtors (NAR). It measures whether a family earning the national median income can afford the monthly mortgage payments on a median-priced existing single-family home. An index value of 100 means that a family has exactly enough income to qualify for a mortgage on a home. The higher the index value, the more affordable a house is to a family. Key factors that drive the real estate market Income, house prices, and mortgage rates are some of the most important factors influencing homebuyer sentiment. When incomes increase, consumer power also increases. The median household income in the United States declined in 2022, affecting affordability. Additionally, mortgage interest rates have soared, adding to the financial burden of homebuyers. The sales price of existing single-family homes in the U.S. has increased year-on-year since 2011 and reached ******* U.S. dollars in 2023.

United States Housing Market Index: sa: Traffic of Prospective Buyers data was reported at 45.000 NA in Nov 2018. This records a decrease from the previous number of 53.000 NA for Oct 2018. United States Housing Market Index: sa: Traffic of Prospective Buyers data is updated monthly, averaging 43.000 NA from Jan 1985 (Median) to Nov 2018, with 407 observations. The data reached an all-time high of 62.000 NA in Dec 1993 and a record low of 7.000 NA in Dec 2008. United States Housing Market Index: sa: Traffic of Prospective Buyers data remains active status in CEIC and is reported by National Association of Home Builders. The data is categorized under Global Database’s United States – Table US.EB013: Housing Market Index.

United States WAS: Market Volume Index data was reported at 209.000 15Mar1996=1000 in 23 Nov 2018. This records a decrease from the previous number of 292.200 15Mar1996=1000 for 16 Nov 2018. United States WAS: Market Volume Index data is updated weekly, averaging 432.150 15Mar1996=1000 from Jan 1990 (Median) to 23 Nov 2018, with 1508 observations. The data reached an all-time high of 1,739.400 15Mar1996=1000 in 13 Jun 2003 and a record low of 40.800 15Mar1996=1000 in 28 Dec 1990. United States WAS: Market Volume Index 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.KB008: Mortgage Loan Applications: Weekly Applications Survey.

This index includes rate locks from U.S. Department of Agriculture loans.

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

Optimal Blue Mortgage Market Indices (https://www2.optimalblue.com/obmmi/)™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes.

Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available here (https://www2.optimalblue.com/obmmi/).

The Russian banking sector health index was expected to improve gradually, according to the Expert RA estimates. For the period between July 2021 and July 2022, the index was projected to reach **** percent.

The year-end value of the S&P Case Shiller National Home Price Index amounted to 321.45 in 2024. The index value was equal to 100 as of January 2000, so if the index value is equal to 130 in a given year, for example, it means that the house prices increased by 30 percent since 2000. S&P/Case Shiller U.S. home indices – additional informationThe S&P Case Shiller National Home Price Index is calculated on a monthly basis and is based on the prices of single-family homes in nine U.S. Census divisions: New England, Middle Atlantic, East North Central, West North Central, South Atlantic, East South Central, West South Central, Mountain and Pacific. The index is the leading indicator of the American housing market and one of the indicators of the state of the broader economy. The index illustrates the trend of home prices and can be helpful during house purchase decisions. When house prices are rising, a house buyer might want to speed up the house purchase decision as the transaction costs can be much higher in the future. The S&P Case Shiller National Home Price Index has been on the rise since 2011.The S&P Case Shiller National Home Price Index is one of the indices included in the S&P/Case-Shiller Home Price Index Series. Other indices are the S&P/Case Shiller 20-City Composite Home Price Index, the S&P/Case Shiller 10-City Composite Home Price Index and twenty city composite indices.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

(UWMC) United Wholesale Mortgage: Navigating the Mortgage Market Maze

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

United States WAS: Market Volume Index: sa: Conventional data was reported at 459.700 15Mar1996=1000 in 20 Jul 2018. This records an increase from the previous number of 457.200 15Mar1996=1000 for 13 Jul 2018. United States WAS: Market Volume Index: sa: Conventional data is updated weekly, averaging 543.450 15Mar1996=1000 from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 2,716.500 15Mar1996=1000 in 30 May 2003 and a record low of 65.400 15Mar1996=1000 in 19 Oct 1990. United States WAS: Market Volume Index: sa: Conventional data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

United States WAS: Market Volume Index: sa: Conventional: Refinance data was reported at 999.600 15Mar1996=1000 in 20 Jul 2018. This records an increase from the previous number of 981.700 15Mar1996=1000 for 13 Jul 2018. United States WAS: Market Volume Index: sa: Conventional: Refinance data is updated weekly, averaging 1,559.850 15Mar1996=1000 from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 11,109.500 15Mar1996=1000 in 30 May 2003 and a record low of 63.500 15Mar1996=1000 in 23 Dec 1994. United States WAS: Market Volume Index: sa: Conventional: Refinance data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.