The average value of mortgage loans granted increased in Romania from approximately 39,600 euros in 2009 to almost 53,700 euros in 2023. The lowest average value of mortgage loans granted was seen in 2013 when the average mortgage loan granted amounted to just over 24,200 euros.

The 10-year treasury constant maturity rate in the U.S. is forecast to decline by 0.8 percent by 2026, while the 30-year fixed mortgage rate is expected to fall by 1.6 percent. From seven percent in the third quarter of 2023, the average 30-year mortgage rate is projected to reach 5.4 percent in 2026.

Fixed 30-year mortgage rates in the United States averaged 6.71 percent in the week ending March 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.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-03-20 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

This data collection provides information on the characteristics of a national sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

The Global Financial Crisis of 2008-09 was a period of severe macroeconomic instability for the United States and the global economy more generally. The crisis was precipitated by the collapse of a number of financial institutions who were deeply involved in the U.S. mortgage market and associated credit markets. Beginning in the Summer of 2007, a number of banks began to report issues with increasing mortgage delinquencies and the problem of not being able to accurately price derivatives contracts which were based on bundles of these U.S. residential mortgages. By the end of 2008, U.S. financial institutions had begun to fail due to their exposure to the housing market, leading to one of the deepest recessions in the history of the United States and to extensive government bailouts of the financial sector.

Subprime and the collapse of the U.S. mortgage market

The early 2000s had seen explosive growth in the U.S. mortgage market, as credit became cheaper due to the Federal Reserve's decision to lower interest rates in the aftermath of the 2001 'Dot Com' Crash, as well as because of the increasing globalization of financial flows which directed funds into U.S. financial markets. Lower mortgage rates gave incentive to financial institutions to begin lending to riskier borrowers, using so-called 'subprime' loans. These were loans to borrowers with poor credit scores, who would not have met the requirements for a conventional mortgage loan. In order to hedge against the risk of these riskier loans, financial institutions began to use complex financial instruments known as derivatives, which bundled mortgage loans together and allowed the risk of default to be sold on to willing investors. This practice was supposed to remove the risk from these loans, by effectively allowing credit institutions to buy insurance against delinquencies. Due to the fraudulent practices of credit ratings agencies, however, the price of these contacts did not reflect the real risk of the loans involved. As the reality of the inability of the borrowers to repay began to kick in during 2007, the financial markets which traded these derivatives came under increasing stress and eventually led to a 'sudden stop' in trading and credit intermediation during 2008.

Market Panic and The Great Recession

As borrowers failed to make repayments, this had a knock-on effect among financial institutions who were highly leveraged with financial instruments based on the mortgage market. Lehman Brothers, one of the world's largest investment banks, failed on September 15th 2008, causing widespread panic in financial markets. Due to the fear of an unprecedented collapse in the financial sector which would have untold consequences for the wider economy, the U.S. government and central bank, The Fed, intervened the following day to bailout the United States' largest insurance company, AIG, and to backstop financial markets. The crisis prompted a deep recession, known colloquially as The Great Recession, drawing parallels between this period and The Great Depression. The collapse of credit intermediation in the economy lead to further issues in the real economy, as business were increasingly unable to pay back loans and were forced to lay off staff, driving unemployment to a high of almost 10 percent in 2010. While there has been criticism of the U.S. government's actions to bailout the financial institutions involved, the actions of the government and the Fed are seen by many as having prevented the crisis from spiraling into a depression of the magnitude of The Great Depression.

The annual average interest rate on new residential loans in Italy rose to 4.42 in 2023 - the highest rate recorded since 2009. In contrast, the lowest interest rate was observed in 2020, when it stood at 1.25 percent.

This data collection is part of the American Housing Metropolitan Survey (AHS-MS, or "metro") which is conducted in odd-numbered years. It cycles through a set of 21 metropolitan areas, surveying each one about once every six years. The metro survey, like the national survey, is longitudinal. This particular survey provides information on the characteristics of a Seattle metropolitan sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data was reported at 4.861 % pa in Jan 2025. This records an increase from the previous number of 4.754 % pa for Dec 2024. Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data is updated monthly, averaging 5.106 % pa from Jun 2004 (Median) to Jan 2025, with 235 observations. The data reached an all-time high of 12.602 % pa in Mar 2009 and a record low of 0.000 % pa in Dec 2009. Kosovo Lending Rate: NB: Households: Mortgage Loans: Over 10 Years data remains active status in CEIC and is reported by Central Bank of the Republic of Kosovo. The data is categorized under Global Database’s Kosovo – Table KS.M004: Other Depository Corporations Lending Rate: New Business: by Type and Maturity.

Mortgage rates increased at a record pace in 2022, with the 10-year fixed mortgage rate doubling between March 2022 and December 2022. With inflation increasing, the Bank of England introduced several bank rate hikes, resulting in higher mortgage rates. In September 2023, the average 10-year fixed rate interest rate reached 5.1 percent. As borrowing costs get higher, demand for housing is expected to decrease, leading to declining market sentiment and slower house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold declined in 2022, reaching close to 1.3 million. Despite the number of transactions falling, this figure was higher than the period before the COVID-10 pandemic. The falling transaction volume also impacted mortgage borrowing. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans fell year-on-year for fourth straight quarters in a row. How are higher mortgages affecting homebuyers? Homeowners with a mortgage loan usually lock in a fixed rate deal for two to ten years, meaning that after this period runs out, they need to renegotiate the terms of the loan. Many of the mortgages outstanding were taken out during the period of record-low mortgage rates and have since faced notable increases in their monthly repayment. About five million homeowners are projected to see their deal expire by the end of 2026. About two million of these loans are projected to experience a monthly payment increase of up to 199 British pounds by 2026.

Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data was reported at 3.800 % pa in Jan 2018. This records an increase from the previous number of 3.783 % pa for Dec 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data is updated monthly, averaging 4.700 % pa from Jan 2005 (Median) to Jan 2018, with 157 observations. The data reached an all-time high of 6.866 % pa in Jan 2009 and a record low of 3.440 % pa in Sep 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: > 20 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate.

Lending Rate: Foreign Currencies Mortgage Loans: YB: SB: Republic of Tyva data was reported at 8.800 % pa in Dec 2009. This stayed constant from the previous number of 8.800 % pa for Nov 2009. Lending Rate: Foreign Currencies Mortgage Loans: YB: SB: Republic of Tyva data is updated monthly, averaging 8.800 % pa from Dec 2008 (Median) to Dec 2009, with 4 observations. The data reached an all-time high of 9.800 % pa in Dec 2008 and a record low of 8.800 % pa in Dec 2009. Lending Rate: Foreign Currencies Mortgage Loans: YB: SB: Republic of Tyva data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q4 2024 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

The U.S. housing market has slowed, after 13 consecutive years of rising home prices. In 2021, house prices surged by an unprecedented 18 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 4.2 percent. That was lower than the long-term average of 4.4 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 2.96 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 389,000 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.

Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Smolensk Region data was reported at 10.700 % pa in Dec 2014. This records a decrease from the previous number of 11.160 % pa for Sep 2014. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Smolensk Region data is updated quarterly, averaging 10.770 % pa from Sep 2006 (Median) to Dec 2014, with 29 observations. The data reached an all-time high of 11.760 % pa in Dec 2012 and a record low of 6.700 % pa in Sep 2009. Lending Rate: Foreign Currencies Mortgage Loans: YB: Quarterly: CF: Smolensk Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB012: Lending Rate: Foreign Currencies Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Lending Rate: RUB Mortgage Loans: YB: NW: Pskov Region data was reported at 10.560 % pa in Jan 2025. This records an increase from the previous number of 9.170 % pa for Dec 2024. Lending Rate: RUB Mortgage Loans: YB: NW: Pskov Region data is updated monthly, averaging 11.780 % pa from Dec 2008 (Median) to Jan 2025, with 194 observations. The data reached an all-time high of 14.390 % pa in Dec 2009 and a record low of 4.340 % pa in Jun 2022. Lending Rate: RUB Mortgage Loans: YB: NW: Pskov Region data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2024-12-20 about prime, loans, interest rate, banks, interest, depository institutions, rate, and USA.

Lending Rate: RUB Mortgage Loans: YB: SB: Altay Territory data was reported at 9.560 % pa in Jan 2025. This records a decrease from the previous number of 9.850 % pa for Dec 2024. Lending Rate: RUB Mortgage Loans: YB: SB: Altay Territory data is updated monthly, averaging 11.825 % pa from Dec 2008 (Median) to Jan 2025, with 194 observations. The data reached an all-time high of 15.230 % pa in Jan 2009 and a record low of 7.160 % pa in Jun 2021. Lending Rate: RUB Mortgage Loans: YB: SB: Altay Territory data remains active status in CEIC and is reported by Bank of Russia. The data is categorized under Russia Premium Database’s Interest and Foreign Exchange Rates – Table RU.MB010: Lending Rate: RUB Housing Loans: ow Mortgage: by Region: Average from Year Beginning.

The American Community Survey (ACS) is a nationwide survey conducted by the U.S. Census Bureau that is designed to provide communities a fresh look at how they are changing. It is a critical element in the Census Bureau's reengineered decennial census program, incorporating the detailed socioeconomic and housing questions that were previously asked on the decennial census long form into the ACS questionnaire. The ACS now collects and produces this detailed population and housing information every year instead of every ten years. Data are collected on an on-going basis throughout the year and are released each year for large geographic areas, those with 65,000 persons or more. However, sample sizes are not large enough for annual releases that cover smaller areas, those with less than 65,000 persons. Data that are suitable for areas with 20,000 to 65,000 persons are accumulated over three years and termed a three-year period estimate, the first of which was for the 2005-2007 period. Data that are suitable for areas with less than 20,000 persons are accumulated over five years and termed a five-year period estimate, the first of which was for the 2005-2009 period. The data in this series of RGIS Clearinghouse tables are for all New Mexico counties and are based on the 2005-2009 ACS Five-Year Period Estimates collected between January 2005 and December 2009. These data tables are a summary of all major housing topics published through the ACS, providing information about the condition of housing, and illuminating various financial characteristics of the housing stock. Major topics include housing occupancy, year structure built, rooms and bedrooms, housing tenure (owners and renters), year householder moved into unit, vehicles available, type of house heating fuel, units without complete plumbing and kitchen facilities or without telephone service, occupants per room, home value, mortgage status, monthly owner costs, owner costs as a percentage of household income, gross rent, and gross rent as a percentage of household income. Percentages are shown along with numeric estimates for most data items. Because the data are based on a sample the Census Bureau also provides information about the magnitude of sampling error. Consequently, the estimated margin of error (MOE) is shown next to each data item. Each housing topic is covered in a separate file in both Excel and CSV formats. These files, along with file-specific descriptions (in Word and text formats) are available in a single zip file.