The year 2021 saw the peak in issuance of residential mortgage backed securities (MBS), at *** trillion U.S. dollars. Since then, MBS issuance has slowed, reaching *** trillion U.S. dollars in 2023. What are mortgage backed securities? A mortgage backed security is a financial instrument in which mortgages are bundled together and sold to investors. The idea is that the risk of these individual mortgages is pooled when they are packaged together. This is a sound investment policy, unless the foreclosure rate increases significantly in a short amount of time. Mortgage risk Since mortgages are loans backed by an asset, the house, the risk is often considered relatively low. However, the loan maturities are very long, sometimes decades, meaning lenders must factor in the risk of a shift in the economic climate. As such, interest rates on longer mortgages tend to be higher than on shorter loans. The ten-year treasury yield influences these rates, since it is a long-term rate that most investors accept as risk-free. Additionally, a decline in the value of homeowner equity could lead to a situation where the debtor is “underwater” and owes more than the home is worth.

United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data was reported at -0.011 Index in Mar 2025. This records a decrease from the previous number of 0.015 Index for Feb 2025. United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data is updated monthly, averaging -0.029 Index from Jan 1990 (Median) to Mar 2025, with 423 observations. The data reached an all-time high of 0.544 Index in Nov 2022 and a record low of -0.256 Index in Jan 1996. United States FCI-G Index: 1-Yr Lookback: Mortgage Rate data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.S021: Financial Conditions Impulse on Growth.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Education: Total, Less Than College Graduate (CXUOWNMORTGLB1302M) from 1996 to 2012 about no college, mortgage, education, expenditures, interest, and USA.

Mortgage credit interest rate, percent in Jamaica, July, 2025 The most recent value is 7.55 percent as of July 2025, an increase compared to the previous value of 7.54 percent. Historically, the average for Jamaica from January 1996 to July 2025 is 12.97 percent. The minimum of 6.2 percent was recorded in October 2009, while the maximum of 34.71 percent was reached in May 1996. | TheGlobalEconomy.com

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Education: Bachelor's Degree (CXUOWNMORTGLB1308M) from 1996 to 2012 about tertiary schooling, mortgage, education, expenditures, interest, and USA.

This data collection provides information on the characteristics of the housing inventory in nine selected Metropolitan Statistical Areas (MSAs). Data include year the structure was built, type and number of living quarters, occupancy status, presence of commercial or medical establishments on the property, and property value. Additional data focus on kitchen and plumbing facilities, type of heating fuel used, source of water, sewage disposal, and heating and air conditioning equipment. Data concerned with housing quality describe the condition of the walls and floors, adequacy of heat in the winter, information on heating equipment breakdowns, availability of room electrical outlets, concealed wiring, and basement and roof water leakage. Data relating to housing expenses include mortgage or monthly rent payments, utility costs, and fuel and garbage collection fees. Information solicited from respondents who moved recently included the characteristics of the previous unit and reasons for moving. Other data indicate the presence of and objection to neighborhood conditions such as street noise, crime, litter, commercial activity, and institutional industrial activity, as well as the availability of public transportation, schools, shopping facilities, police, and hospitals. Information on condominiums covers amount and frequency of mortgage payment, amount of property insurance, real estate tax, utility costs, and condominium fees. In addition to housing characteristics, data for each household member are available on age, sex, race, marital status, income, and relationship to householder. Additional data on years of school completed, Spanish origin, length of residence, and tenure are provided for the householder. Income sources identified in the data include wages, rent, dividends, Social Security, unemployment and workmen's compensation, government and private pensions, and alimony and child support.

Bank Lending Rate in Malaysia increased to 4.72 percent in September from 4.71 percent in August of 2025. This dataset provides - Malaysia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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

House prices in the Netherlands had been on an upward trend for nearly nine years, before starting to decline for most of 2023. In December 2023, the average house price rose by *** percent from the same period the year before. In comparison, in December 2022, house prices soared by *** percent because of the low mortgage rates, a recovering economy and a high level of consumer confidence at the time. According to a forecast released in October 2023, real estate prices were expected to decline in 2024.

Graph and download economic data for Expenditures: Mortgage Interest and Charges by Generation: Birth Year from 1981 to 1996 (CXUOWNMORTGLB1608M) from 2019 to 2023 about birth, mortgage, expenditures, interest, and USA.

Key information about Malaysia Bank Lending Rate

• Malaysia Bank Lending Rate was reported at 4.664 % pa in Oct 2025.
• This records a decrease from the previous number of 4.722 % pa for Sep 2025.
• Malaysia Bank Lending Rate data is updated monthly, averaging 4.850 % pa from Jan 1996 to Oct 2025, with 358 observations.
• The data reached an all-time high of 13.540 % pa in May 1998 and a record low of 3.277 % pa in Jan 2022.
• Malaysia Bank Lending Rate data remains active status in CEIC and is reported by CEIC Data.
• The data is categorized under World Trend Plus’s Global Economic Monitor – Table: Bank Lending Rate: Monthly.

In this paper, we empirically examine how information about a neighborhood affects the level of lending activity in it. Specifically, do lenders deny mortgage applications at higher rates in neighborhoods where they have little experience in evaluating applications, and/or in neighborhoods where the lending community in general has little experience? The analysis uses data collected under the Home Mortgage Disclosure Act (HMDA) for 1990 and 1991 to construct denial rates for each lender in each census tract, controlling for applicant characteristics observed in the HMDA data. We then estimate the relationship between these lender-tract denial rates and both the number of applications processed by the lender in that neighborhood and the number of applications processed by all lenders in that neighborhood, controlling for other characteristics of the census tract and for the lender. We find that the more applications a lender processes from a given neighborhood, the lower the neighborhood-lender denial rates -- both statistically and economically. Furthermore, we find that the low number of applications taken by individual lenders from specific low-income and minority neighborhoods does contribute to the relatively high denial rates in these neighborhoods. These findings are consistent with recent theoretical models linking redlining to incomplete information.

House price index is based on average new house price value at loan approval stage and therefore has not been adjusted for changes in the mix of houses and apartments sold. Interest rates is based on building societies mortgage loans, published by Central Statistics Office up to 2007. From 2008 interest rates is average rate of all 'mortgage lenders' reporting to the Central Bank. From 2014 it is based on the floating rate for new customers as published by the Central Bank (Retail interest rates - Table B2.1). The reason for the drop between 2013 and 2014 is due to the difference in methodology - the 2014 data is the weighted average rate on new loan agreements. Further information can be found here: http://www.centralbank.ie/polstats/stats/cmab/Documents/Retail_Interest_Rate_Statistics_Explanatory_Notes.pdf Earnings is based on the average weekly earnings of adult workers in manufacturing industries, published by the Central Statistics Office. This series has been updated since 1996 using a new methodology and therefore it is not directly comparable with those for earlier years. House Construction Cost Index is based on the 1st day of the third month of each quarter. Consumer Price index is based on the Consumer Price Index, published by the Central Statistics Office. The most current data is published on these sheets. Previously published data may be subject to revision. Any change from the originally published data will be highlighted by a comment on the cell in question. These comments will be maintained for at least a year after the date of the value change.

Mortgage credit interest rate, percent in Jamaïque, juillet, 2025 Pour cet indicateur, Bank of Jamaica fournit des données pour la Jamaïque de janvier 1996 à juillet 2025. La valeur moyenne pour Jamaïque pendant cette période était de 12.97 pour cent avec un minimum de 6.2 pour cent en octobre 2009 et un maximum de 34.71 pour cent en mai 1996. | TheGlobalEconomy.com

MBA Mortgage Market Index in the United States increased to 317.60 points in November 21 from 316.90 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

The benchmark interest rate in Poland was last recorded at 4.25 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Mortgage credit interest rate, percent in Trinité-et-Tobago, mars, 2024 Pour cet indicateur, Central Bank of Trinidad and Tobago fournit des données pour la Trinité-et-Tobago de Q1 1996 à Q1 2024. La valeur moyenne pour Trinité-et-Tobago pendant cette période était de 10.62 pour cent avec un minimum de 4.88 pour cent en Q4 2002 et un maximum de 15.15 pour cent en Q2 1999. | TheGlobalEconomy.com

The U.S. housing market has slowed, after ** consecutive years of rising home prices. In 2021, house prices surged by an unprecedented ** percent, marking the highest increase on record. However, the market has since cooled, with the Freddie Mac House Price Index showing more modest growth between 2022 and 2024. In 2024, home prices increased by *** percent. That was lower than the long-term average of *** percent since 1990. Impact of mortgage rates on homebuying The recent cooling in the housing market can be partly attributed to rising mortgage rates. After reaching a record low of **** percent in 2021, the average annual rate on a 30-year fixed-rate mortgage more than doubled in 2023. This significant increase has made homeownership less affordable for many potential buyers, contributing to a substantial decline in home sales. Despite these challenges, forecasts suggest a potential recovery in the coming years. How much does it cost to buy a house in the U.S.? In 2023, the median sales price of an existing single-family home reached a record high of over ******* U.S. dollars. Newly built homes were even pricier, despite a slight decline in the median sales price in 2023. Naturally, home prices continue to vary significantly across the country, with West Virginia being the most affordable state for homebuyers.

The benchmark interest rate in Canada was last recorded at 2.25 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Hong Kong was last recorded at 4.25 percent. This dataset provides the latest reported value for - Hong Kong Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.