Fixed 30-year mortgage rates in the United States averaged 6.39 percent in the week ending September 12 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.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

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.

What are 30 year mortgage rates?

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

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.

This statistic shows the effects that increasing mortgage rates would have on home buying in the United States in 2018. During the survey, ** percent of respondents said they would slow down their search and wait for the rates to come back again.

30 Year Mortgage Rate in the United States decreased to 6.26 percent in September 18 from 6.35 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

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.

This dataset provides values for 30 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

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.

Mortgage Rates: Hot Economic Conjecture Puts the Squeeze on Homebuyers

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

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-09-18 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

Residential Mortgage Loan Market Outlook

The global residential mortgage loan market size was valued at approximately USD 15 trillion in 2023 and is projected to reach around USD 25 trillion by 2032, growing at a compound annual growth rate (CAGR) of 6.1% over the forecast period. The primary growth drivers for this market include increasing urbanization, rising disposable incomes, and favorable government policies aimed at promoting home ownership.

One of the most significant factors contributing to the growth of the residential mortgage loan market is urbanization. As more people move to urban areas in search of better opportunities and living conditions, the demand for residential properties has surged. This urban migration has led to a corresponding increase in the demand for mortgage loans, as individuals seek financial assistance to purchase homes. Additionally, the trend of nuclear families is gaining traction, further boosting the demand for residential properties and, consequently, mortgage loans.

Rising disposable incomes and improved economic conditions have also played a crucial role in the expansion of the residential mortgage loan market. As people earn more, they are more likely to invest in real estate, viewing homeownership as a long-term investment and a means of financial security. Furthermore, low-interest rates on mortgage loans, driven by monetary policies of various countries, have made borrowing more affordable, encouraging more people to take out mortgage loans.

Government policies and initiatives aimed at promoting homeownership have significantly fueled the growth of the residential mortgage loan market. Many countries offer tax incentives, subsidies, and lower interest rates for first-time homebuyers and low-income groups. Such policies are designed to make homeownership more accessible and affordable, driving the demand for mortgage loans. Additionally, governments are increasingly collaborating with financial institutions to provide affordable housing solutions, further stimulating market growth.

On a regional level, North America and Europe have traditionally dominated the residential mortgage loan market due to their mature real estate markets and high homeownership rates. However, emerging economies in the Asia Pacific and Latin America regions are witnessing rapid growth in this sector. Factors such as increasing population, urbanization, and rising middle-class incomes are driving the demand for residential mortgage loans in these regions. Moreover, favorable government policies and a growing number of financial institutions offering mortgage products are further contributing to market expansion.

Type Analysis

The residential mortgage loan market is segmented by type into fixed-rate mortgages, adjustable-rate mortgages, interest-only mortgages, and others. Fixed-rate mortgages are the most popular type, owing to their stability and predictability. Borrowers prefer fixed-rate mortgages because they offer a consistent monthly payment plan, making it easier for them to budget and plan their finances. This stability is particularly appealing during times of economic uncertainty or fluctuating interest rates.

Adjustable-rate mortgages (ARMs), on the other hand, offer lower initial interest rates compared to fixed-rate mortgages. However, the rate can fluctuate based on market conditions, which can either be an advantage or a risk for borrowers. ARMs are often chosen by those who plan to sell or refinance their homes before the adjustable period begins. This type of mortgage is popular among borrowers who are willing to take a risk for the potential benefit of lower initial costs.

Interest-only mortgages allow borrowers to pay only the interest on the loan for a specified period, usually between five to ten years. After this period, the borrower must start paying both the principal and the interest, resulting in higher monthly payments. Interest-only mortgages are typically utilized by investors or those expecting a significant increase in income in the future. This type allows for lower initial payments, providing greater cash flow flexibility in the short term.

The 'Others' category includes various specialized mortgage products tailored to meet specific borrower needs. These can include reverse mortgages, which allow seniors to convert part of their home equity into cash, and jumbo loans, which cater to borrowers looking to finance luxury homes that exceed conforming loan limits. The diversity in mortgage types ensures that there are suitab

Type of Mortgage Loan:Conventional Mortgage Loans: Backed by private investors and typically require a down payment of 20% or more.Jumbo Loans: Loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.Government-insured Mortgage Loans: Backed by the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), or U.S. Department of Agriculture (USDA).Others: Includes non-QM loans, reverse mortgages, and shared equity programs.Mortgage Loan Terms:30-year Mortgage: The most common term, offering low monthly payments but higher overall interest costs.20-year Mortgage: Offers a shorter repayment period and lower long-term interest costs.15-year Mortgage: The shortest term, providing lower interest rates and faster equity accumulation.Others: Includes adjustable-rate mortgages (ARMs) and balloons loans.Interest Rate:Fixed-rate Mortgage Loan: Offers a stable interest rate over the life of the loan.Adjustable-rate Mortgage Loan (ARM): Offers an initial interest rate that may vary after a certain period, potentially leading to higher or lower monthly payments.Provider:Primary Mortgage Lender: Originates and services mortgages directly to borrowers.Secondary Mortgage Lender: Purchases mortgages from originators and packages them into securities for sale to investors. 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.

The US mortgage lending market, a significant component of the broader financial landscape, is experiencing robust growth, driven by several key factors. Low interest rates in recent years stimulated demand, particularly for fixed-rate mortgages, fueling a surge in refinancing activity and new home purchases. The increasing homeownership aspirations among millennials and Gen Z, coupled with a persistent housing shortage in many areas, further contribute to market expansion. While home equity lines of credit (HELOCs) represent a smaller segment, their usage is expected to rise as homeowners tap into their equity for renovations or other investments. Competition in the sector is intense, with established commercial banks like Bank of America and Chase, alongside regional players such as PNC Bank and credit unions like PenFed, vying for market share. The shift towards online mortgage applications and processing offers convenience and efficiency, increasing accessibility and potentially driving down costs. However, challenges remain. Rising interest rates, inflation, and potential economic slowdown could temper future growth, impacting both affordability and demand. Moreover, stringent lending regulations and increased scrutiny of borrowers' creditworthiness may restrict lending practices. The market will likely see further consolidation among lenders, particularly smaller institutions. Despite these headwinds, the long-term outlook remains positive, projecting a continuation of moderate growth, particularly in segments catering to first-time homebuyers and those pursuing home improvements through HELOCs. Technological advancements and improved data analytics will play pivotal roles in shaping the competitive landscape and enhancing customer experience. The segmentation within the US mortgage lending market reflects diverse borrower needs and lender strategies. Fixed-rate mortgages remain the dominant product, providing predictable monthly payments. However, the rise of adjustable-rate mortgages and HELOCs provides borrowers with alternative financing options. The distribution channels are also varied, with both online and offline applications prevalent. The geographical distribution is concentrated, with the United States driving a significant portion of the overall market. Canada and Mexico contribute substantially to the North American market, while other regions show more moderate growth. Future market performance will depend critically on macroeconomic conditions, regulatory changes, and innovative financial products that cater to evolving consumer preferences. The increasing reliance on technology for lending, underwriting, and customer service will further reshape this dynamic and competitive market. This comprehensive report offers an in-depth analysis of the US mortgage lending market, covering the period from 2019 to 2033. With a base year of 2025 and an estimated year of 2025, this report provides a detailed forecast (2025-2033) and analysis of the historical period (2019-2024). We delve into key market segments, trends, and growth drivers, providing valuable insights for stakeholders across the industry. This report is essential for investors, lenders, financial institutions, and anyone seeking to understand the dynamics of this multi-billion-dollar market. Keywords: US Mortgage Lending, Mortgage Market Trends, Home Equity Loans, Fixed Rate Mortgages, Mortgage Industry Analysis, Mortgage Rates, Real Estate Finance, Mortgage Lending Market Size, Commercial Banks, Credit Unions, Online Mortgages, Mortgage Regulations, Mortgage Acquisitions Recent developments include: August 2023: Spring EQ, a provider of home equity financing solutions, has entered into a definitive agreement to be acquired by an affiliate of Cerberus Capital Management, L.P., a global leader in alternative investing. The main aim of the partnership is to support Spring EQ's mission to deliver offerings and expand its leadership in the home equity financing market., June 2023: VIU by HUB, a digital insurance brokerage platform subsidiary of Hub International Limited, has entered into a new partnership with Unison, a home equity-sharing company. The collaboration will allow homeowners to compare insurance coverage quotes from various carriers and receive expert advice throughout the process.. Key drivers for this market are: Home Renovation Trends are Driving the Market. Potential restraints include: Home Renovation Trends are Driving the Market. Notable trends are: Home Equity Lending Market is Being Stimulated By Rising Home Prices.

This dataset provides values for 15 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Canada Conventional Mortgage: 5 Years: Weekly data was reported at 6.490 % pa in 07 May 2025. This stayed constant from the previous number of 6.490 % pa for 30 Apr 2025. Canada Conventional Mortgage: 5 Years: Weekly data is updated weekly, averaging 5.700 % pa from Jan 2000 (Median) to 07 May 2025, with 1323 observations. The data reached an all-time high of 8.750 % pa in 31 May 2000 and a record low of 4.640 % pa in 12 Jul 2017. Canada Conventional Mortgage: 5 Years: Weekly data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate. [COVID-19-IMPACT]

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.

Mortgage Rates Soar, Making Homeownership Out of Reach for Many

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

Forecast: Household Expenditure on Mortgage Interest and Charges in the US 2022 - 2026 Discover more data with ReportLinker!

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 US mortgage lending market, a cornerstone of the American economy, is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) exceeding 5% from 2025 to 2033. This expansion is fueled by several key factors. Firstly, a consistently increasing population and household formations drive demand for housing, consequently boosting mortgage loan originations. Secondly, historically low interest rates in recent years have stimulated borrowing, making homeownership more accessible. Furthermore, government initiatives aimed at supporting homeownership, along with increasing disposable incomes in certain segments of the population, contribute to the market's positive trajectory. The market is segmented by loan type (fixed-rate mortgages and home equity lines of credit), service providers (commercial banks, financial institutions, credit unions, and other lenders), and application mode (online and offline). Competition is intense among major players like Bank of America, Chase Bank, and US Bank, with smaller institutions and credit unions vying for market share. While the overall trend is positive, potential headwinds include fluctuations in interest rates, economic downturns impacting consumer confidence, and stringent regulatory environments which can impact lending practices. The geographical distribution of the US mortgage lending market reflects regional economic variations. While the United States dominates North America's market share, growth potential exists across various international markets. European and Asian markets, though characterized by distinct regulatory landscapes and consumer behaviors, present opportunities for expansion. The market's future trajectory will depend on several interconnected factors, including macroeconomic conditions, demographic shifts, and technological advancements influencing the mortgage lending process. The continued adoption of digital technologies is expected to streamline lending processes and expand access, impacting the future of the market significantly. Strategic partnerships and acquisitions are also anticipated, further consolidating the market landscape and driving innovation. Recent developments include: August 2023: Spring EQ, a provider of home equity financing solutions, has entered into a definitive agreement to be acquired by an affiliate of Cerberus Capital Management, L.P., a global leader in alternative investing. The main aim of the partnership is to support Spring EQ's mission to deliver offerings and expand its leadership in the home equity financing market., June 2023: VIU by HUB, a digital insurance brokerage platform subsidiary of Hub International Limited, has entered into a new partnership with Unison, a home equity-sharing company. The collaboration will allow homeowners to compare insurance coverage quotes from various carriers and receive expert advice throughout the process.. Key drivers for this market are: Home Renovation Trends are Driving the Market. Potential restraints include: Home Renovation Trends are Driving the Market. Notable trends are: Home Equity Lending Market is Being Stimulated By Rising Home Prices.