In 2022, the largest amount of mortgage loans were granted to those between 30 to 34 years old. That year, mortgage loans for apartments were significantly higher than loans for other housing types.

In 2022, about ** trillion South Korean won in bogeumjari loans (mortgages) with a term of 30 years were issued in South Korea. The largest lender in terms of loan amount that year was Hana Bank, followed by Kookmin Bank.

Mortgage loans in South Korea Many prospective first-time homeowners took out bogeumjari loans due to their fixed and favorable rates. Other large banks in the country providing such loans include Shinhan Bank, Woori Bank, and NH Nonghyup Bank. Throughout the second quarter of 2023, the combined value of mortgage loans offered by the largest banks in South Korea continued to increase.

Rising household debt However, there are concerns about worsening household debt as loans are issued with higher interest rates. Interest rates for mortgage loans rose between 2021 and 2023 following the central bank base rate increases. Unsurprisingly, the national household loan delinquency rate has increased within the past year. As rising inflation and interest rates typically negatively impact household spending habits, the amount of loans provided is expected to slow.

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.

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.

Graph and download economic data for Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States (DISCONTINUED) (MORTPTS30US) from 1971-05-28 to 2022-11-10 about points, discount, fees, origination, 30-year, mortgage, fixed, 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.

The National Survey of Mortgage Originations (NSMO) is a component of the National Mortgage Database (NMDB®) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish. NSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed here.The NSMO public use file was updated on July 1, 2024 to append additional survey records and additional quarters of mortgage performance information. It replaced the public use file released on March 3, 2023. The updated file contains 50,542 sample mortgages originated from 2013 through 2021 based on the first 34 quarterly waves of the NSMO survey. For these mortgages, the updated file contains mortgage performance information through the third quarter of 2023.The original NSMO public use file was published on November 8, 2018, containing mortgages originated from 2013 through 2016. It was first updated on February 20, 2020, containing mortgages originated through 2017. Subsequent updates were published on July 29, 2021 (containing mortgages originated through 2019) and on December 13, 2022 and March 3, 2023 (both containing mortgages originated through 2020).

In 2022, the largest amount of mortgage was loaned to people with an annual income of ** to ** million South Korean won. That year, the mortgage loan for apartments was significantly higher than loans for other housing types.

Commercial mortgage lending in the United States slowed down in 2022, after surging in 2021. Since 2023, origination has started to recover, with the index increasing for all property types. Industrial real estate experienced the highest index value, at ***** index points in the fourth quarter of 2024. Multifamily and hotel real estate ranked second and third, with *** and *** index points, respectively. The Commercial/Multifamily Mortgage Bankers Originations Index shows the development of mortgage originations since 2001, which was chosen as a base year with an index value of 100. As of the fourth quarter of 2024, the index value for industrial real estate was 1404 index points - the highest among all property types and a fourteen-fold increase since 2001.

Graph and download economic data for Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States (DISCONTINUED) (MORTPTS15US) from 1991-08-30 to 2022-11-10 about points, 15-year, discount, fees, origination, mortgage, fixed, rate, and USA.

Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States was 0.90% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States reached a record high of 2.70 in July of 1984 and a record low of 0.30 in July of 2006. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 30-Year Fixed Rate Mortgage in the United States - last updated from the United States Federal Reserve on July of 2025.

The raw datasets provided here are intended for use in a Data in Brief article. These comprehensive files, sourced from the Freddie Mac website, offer quarterly snapshots of mortgage loans that have been originated in the USA since 1999, along with details of their subsequent repayment behaviours. This data remains current and is updated every three months. Specifically, the loan origination data present here encompasses amortized fixed-rate mortgage loans from 1999 up to June 2022. In contrast, the performance data is presented on a monthly basis, detailing loan repayment profiles from 1999 until September 30, 2022. Both the origination and performance datasets feature a unique loan ID, which can be utilized to integrate the data on loan originations with that of loan repayments.

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, 5-year, interest rate, interest, rate, and USA.

Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States was 1.00% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States reached a record high of 2.00 in January of 1992 and a record low of 0.30 in August of 2006. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 15-Year Fixed Rate Mortgage in the United States - last updated from the United States Federal Reserve on August of 2025.

Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States was 0.20% in November of 2022, according to the United States Federal Reserve. Historically, Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States reached a record high of 0.90 in March of 2008 and a record low of 0.00 in August of 2022. Trading Economics provides the current actual value, an historical data chart and related indicators for Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States - last updated from the United States Federal Reserve on August of 2025.

Graph and download economic data for Origination Fees and Discount Points for 5/1-Year Adjustable Rate Mortgage in the United States (DISCONTINUED) (MORTPTS5US) from 2005-01-06 to 2022-11-10 about points, discount, fees, origination, adjusted, mortgage, 5-year, rate, and USA.

With the digitalization trend picking pace across the world, the global e-Mortgage market is set to gain from this phenomenon and jump from a value of US$ 12.1 billion in 2024 to US$ 62.1 billion by 2034, expanding at a CAGR (compound annual growth rate) of 17.8% over the next ten years.

Report Attributes	Details
e-Mortgage Market Size (2024E)	US$ 12.1 Billion
Forecasted Market Value (2034F)	US$ 62.1 Billion
Global Market Growth Rate (2024 to 2034)	17.8% CAGR
Japan Market Growth Rate (2024 to 2034)	19.2% CAGR
East Asia Market Share (2034F)	26%
Market Share of Residential Sector (2034F)	62%
Key Companies Profiled	Cimmaron AmoCRM Encompass BNTouch Floify LLC HubSpot ICE Mortgage Technology, Inc. Maxwell Financial Labs, Inc. Keap Pipedrive Simple Nexus Zendesk Sell Unify Total Expert Whiteboard Velocity LoanEngage Podium MLO Shift TeamSupport Salesforce

Country-wise Insights

Attribute	United States
Market Value (2024E)	US$ 1.8 Billion
Growth Rate (2024 to 2034)	17.5% CAGR
Projected Value (2034F)	US$ 8.9 Billion

Attribute	China
Market Value (2024E)	US$ 1.4 Billion
Growth Rate (2024 to 2034)	18.7% CAGR
Projected Value (2034F)	US$ 7.7 Billion

Category-wise Insights

Attribute	Residential
Segment Value (2024E)	US$ 7.8 Billion
Growth Rate (2024 to 2034)	17.2% CAGR
Projected Value (2034F)	US$ 38.5 Billion

In 2022, bogeumjari mortgage sales in South Korea with over ** percent in loan-to-value ratio amounted to around ************ South Korean won. The loan-to-value ratio refers to the share of mortgage loans of the property sales price.

Global Mortgage Lender market size is expected to reach $2046.53 billion by 2029 at 12%, surging housing demand fuels growth in mortgage lender market

Qatar Mortgage/Loan Brokers Market size was valued at USD 18.2 Billion in 2024 and is projected to reach USD 28.5 Billion by 2032, growing at a CAGR of 5.78% during the forecast period 2026-2032.

Qatar Mortgage/Loan Brokers Market Drivers

1. Government Programs and Regulations National Vision 2030: Real estate investment and homeownership are promoted by Qatar's long-term economic policy.

Housing Support Programs: Demand for loan brokerage services is increased by government-backed mortgage programs, particularly for citizens.

Regulatory Reforms: The Qatar Central Bank's (QCB) simplified lending rules improve accessibility and transparency.

1. Infrastructure Expansion and Real Estate Market Growth: The need for housing is driven by significant projects like Lusail City, The Pearl, and FIFA World Cup 2022 legacy developments.

Foreign Investment: Mortgage brokerage activities have increased as a result of new rules that permit foreigners to own real estate in specific areas.

1. An environment with low interest rates Broker-assisted mortgage transactions increase when house loans are made more appealing through competitive lending rates and flexible financing alternatives.