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

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 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 2025-11-26 about 15-year, mortgage, fixed, interest rate, interest, rate, and USA.

Graph and download economic data for 30-Year Fixed Rate Conforming Non-Adjusted Mortgage Index (OBMMIC30YFNA) from 2017-01-03 to 2025-12-01 about 30-year, mortgage, fixed, rate, indexes, and USA.

Mortgage rates surged at an unprecedented pace in 2022, with the average 10-year fixed rate doubling between March and December of that year. In response to mounting inflation, the Bank of England implemented a series of rate hikes, pushing borrowing costs steadily higher. By October 2025, the average 10-year fixed mortgage rate stood at **** percent. As financing becomes more expensive, housing demand has cooled, weighing on market sentiment and slowing house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold fell significantly in 2023, dipping to just above *** million transactions. This contraction in activity also dampened mortgage lending. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans declined year-on-year for five consecutive quarters. Even as rates eased modestly in 2024 and housing activity picked up slightly, volumes remained well below the highs recorded in 2021. How are higher mortgages impacting homebuyers? For homeowners, the impact is being felt most acutely as fixed-rate deals expire. Mortgage terms in the UK typically range from two to ten years, and many borrowers who locked in historically low rates are now facing significantly higher repayments when refinancing. By the end of 2026, an estimated five million homeowners will see their mortgage deals expire. Roughly two million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026, putting additional pressure on household budgets and constraining affordability across the market.

Rates have been trending downward in Canada for the last five years. The ebbs and flows are caused by changes in Canada’s bond yields (driven by Canadians economic developments and international rate movements, particularly U.S. rate fluctuations) and the overnight rate (which is set by the Bank of Canada). As of August 2022, there has been a 225 bps increase in the prime rate, since beginning of year 2022, from 2.45% to 4.70% as of Aug 24th 2022. The following are the historical conventional mortgage rates offered by the 6 major chartered banks in Canada in the past 20 years.

Evaluate Canada’s best mortgage rates in one place. RATESDOTCA’s Rate Matrix lets you compare pricing for all key mortgage types and terms. Rates are based on an average mortgage of $300,000

After a period of record-low mortgage interest rates, the cost of mortgage borrowing in Germany surged in 2022. In 2019, mortgage rates declined notably, falling as low as **** percent in December 2020. This downward trend reversed in 2021, as mortgage rates started to gradually pick up. Five-to-ten-year mortgage loans had the lowest rates in March 2025 at **** percent, while floating rate mortgages up to one year were the most expensive at **** percent. Mortgages with over **-year fixed period – the most popular loan type among homebuyers — had an interest rate of **** percent. Why did mortgage rates in Germany increase? In 2022, the annual inflation rate in Germany experienced a swift rise, prompting the central bank to raise interest rates to counter this surge. The European Central Bank (ECB) is responsible for determining Germany's central bank interest rate. In July 2022, following a prolonged period of stability, the average interest rates in Germany began a steady rise, which persisted consistently thereafter.  This increase is intended to stabilize prices, but it also means higher borrowing costs for those seeking mortgages. Downturn in Germany's home loan borrowing From 2022 onward, the gross residential mortgage lending in Germany fell dramatically. Besides the higher interest rates, the downturn can be explained by the slowed pace of economic growth, which makes individuals and businesses more cautious about big investments such as buying a home. Additionally, the German housing market suffers a chronic undersupply, meaning that homebuyers often struggle to find an affordable home to purchase.

30-year fixed mortgage rate trends showing stability in 2025

Mortgage Rate in the United Kingdom remained unchanged at 6.78 percent in October. This dataset provides - United Kingdom BBA Mortgage Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for 15-Year Fixed Rate Conforming Mortgage Index (OBMMIC15YF) from 2017-01-03 to 2025-11-06 about 15-year, mortgage, fixed, rate, indexes, and USA.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

IoT-Enabled Mortgage Monitor Market Outlook

According to our latest research, the Global IoT-Enabled Mortgage Monitor market size was valued at $1.2 billion in 2024 and is projected to reach $7.8 billion by 2033, expanding at a robust CAGR of 22.6% during the forecast period of 2024–2033. The primary factor driving the remarkable growth of this market is the increasing integration of Internet of Things (IoT) technologies with advanced analytics to provide real-time, data-driven insights for mortgage monitoring and risk management. As the mortgage industry faces mounting pressure to enhance efficiency, transparency, and compliance, IoT-enabled solutions are rapidly gaining traction among financial institutions and real estate stakeholders seeking to streamline processes and improve customer experiences.

Regional Outlook

North America currently holds the largest share of the Global IoT-Enabled Mortgage Monitor market, accounting for approximately 38% of total market value in 2024. This dominance is attributed to the mature financial services infrastructure, high adoption rates of digital technologies, and a strong regulatory focus on risk management and transparency. The United States, in particular, has been at the forefront of deploying IoT-enabled monitoring solutions, leveraging advanced analytics and cloud computing to manage vast mortgage portfolios. Leading banks and mortgage lenders in the region are investing heavily in automation and real-time monitoring, driven by the need to minimize default risks and streamline loan origination and servicing. Furthermore, supportive government policies around data security and digital transformation have further accelerated market growth in North America.

The Asia Pacific region is poised to be the fastest-growing market for IoT-Enabled Mortgage Monitor solutions, with a projected CAGR of 27.4% from 2024 to 2033. This rapid expansion is fueled by the burgeoning middle class, increasing urbanization, and a surge in property development across countries such as China, India, and Southeast Asia. Financial institutions in the region are rapidly digitizing their operations to cater to a tech-savvy population and to manage high-volume, high-value mortgage transactions. Significant foreign direct investment in the PropTech sector, coupled with government initiatives to promote smart cities and digital banking, has created fertile ground for the adoption of IoT-enabled mortgage monitoring platforms. As a result, Asia Pacific is expected to substantially increase its market share over the coming decade, challenging the traditional dominance of Western markets.

In emerging economies across Latin America and the Middle East & Africa, the adoption of IoT-Enabled Mortgage Monitor solutions is gradually gaining momentum, albeit at a slower pace compared to developed regions. These markets face unique challenges, including fragmented regulatory frameworks, limited digital infrastructure, and varying levels of financial literacy among end-users. However, localized demand for affordable housing, coupled with efforts to modernize the real estate and banking sectors, is driving incremental adoption. Governments in these regions are increasingly recognizing the benefits of IoT-enabled monitoring for enhancing transparency and combating mortgage fraud. Strategic partnerships between global technology providers and local financial institutions are also helping to overcome infrastructural and educational barriers, gradually paving the way for broader market penetration.

Report Scope

Mortgage Pipeline Hedging Platform Market Outlook

According to our latest research, the global mortgage pipeline hedging platform market size reached USD 1.14 billion in 2024, with a robust compound annual growth rate (CAGR) of 12.6% expected from 2025 to 2033. By the end of 2033, the market is forecasted to reach USD 3.38 billion. The primary growth factor driving this expansion is the increasing demand for advanced risk management tools in the mortgage industry, coupled with heightened market volatility and evolving regulatory requirements. Financial institutions are increasingly turning to automated and data-driven solutions, fueling the adoption of mortgage pipeline hedging platforms worldwide.

The growth of the mortgage pipeline hedging platform market is significantly influenced by the rising complexity of mortgage origination and secondary market transactions. As mortgage rates continue to fluctuate and origination volumes remain unpredictable, lenders face substantial exposure to interest rate risk. This has led to a heightened need for sophisticated hedging platforms that can provide real-time analytics, scenario modeling, and automated trade execution. Furthermore, the integration of artificial intelligence and machine learning technologies is enabling these platforms to deliver more accurate forecasts and optimize hedge strategies, thereby reducing potential losses and improving profitability for mortgage lenders and investors.

Another key driver for the mortgage pipeline hedging platform market is the increasingly stringent regulatory environment. Governments and regulatory bodies across the globe are imposing more rigorous compliance standards on mortgage lenders and financial institutions. This has necessitated the adoption of platforms that not only manage risk but also ensure transparency, auditability, and comprehensive reporting capabilities. The ability of modern hedging platforms to seamlessly integrate with existing loan origination systems and provide end-to-end compliance solutions is making them indispensable in the current market landscape. Additionally, the growing trend of digital transformation in the financial services sector is accelerating the shift from manual, spreadsheet-based processes to automated, cloud-based solutions.

The surge in digital mortgage solutions and the proliferation of cloud computing have further accelerated the adoption of mortgage pipeline hedging platforms. Cloud-based deployment offers scalability, cost-effectiveness, and ease of integration, making advanced hedging tools accessible to a broader range of institutions, including small and medium enterprises. As competition intensifies and customer expectations evolve, lenders are prioritizing platforms that offer seamless digital experiences, real-time data access, and robust security features. This technological evolution is expected to sustain the upward trajectory of the mortgage pipeline hedging platform market in the coming years.

Regionally, North America continues to dominate the mortgage pipeline hedging platform market, accounting for the largest share in 2024, driven by the presence of major financial institutions and advanced technological infrastructure. Europe is witnessing steady growth, supported by regulatory harmonization and the increasing adoption of digital lending solutions. The Asia Pacific region is emerging as a lucrative market, propelled by rapid urbanization, expanding mortgage markets, and rising investments in fintech innovation. Latin America and the Middle East & Africa are also showing promising growth potential, albeit from a smaller base, as financial institutions in these regions modernize their risk management frameworks and embrace digital transformation.

Component Analysis

The component segment of the mortgage pipeline hedging platform market is bifurcated into software and services, each playing a pivotal role in the overall ecosystem. Software solutions form the backbone of mortgage pipeline hedging, offering functionalities such as real-time risk analytics, scenario modeling, automated trade execution, and comprehensive reporting. These platforms are designed to seamlessly integrate with loan origination and servicing systems, enabling lenders to monitor and manage their pipeline risk efficiently. The increasing adoption of cloud-based and AI-driven software is enhancing the accuracy and speed of hedg

Key information about Uruguay Bank Lending Rate

• Uruguay Bank Lending Rate was reported at 16.537 % pa in Oct 2025.
• This records a decrease from the previous number of 19.397 % pa for Sep 2025.
• Uruguay Bank Lending Rate data is updated monthly, averaging 17.608 % pa from Jan 1998 to Oct 2025, with 334 observations.
• The data reached an all-time high of 169.991 % pa in Oct 2002 and a record low of 11.771 % pa in Jul 2021.
• Uruguay 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.

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about Hong Kong SAR (China) Bank Lending Rate

• Hong Kong SAR (China) Bank Lending Rate was reported at 5.000 % pa in Dec 2025.
• This stayed constant from the previous number of 5.000 % pa for Dec 2025.
• Hong Kong SAR (China) Bank Lending Rate data is updated daily, averaging 5.000 % pa from Jan 1981 to 02 Dec 2025, with 16407 observations.
• The data reached an all-time high of 5.875 % pa in 19 Sep 2024 and a record low of 5.000 % pa in 02 Dec 2025.
• Hong Kong SAR (China) 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: Daily.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2025-10-30 about prime, loans, interest rate, banks, depository institutions, interest, rate, and USA.

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.

Mortgage Rep and Warranty Analytics Market Outlook

According to our latest research, the global mortgage rep and warranty analytics market size reached USD 1.42 billion in 2024, reflecting robust adoption of analytics solutions across the financial sector. The market is expected to exhibit a CAGR of 13.7% from 2025 to 2033, with the forecasted market size projected to reach USD 4.19 billion by 2033. This accelerated growth is driven by increasing regulatory scrutiny, the need for advanced risk management, and the rising integration of AI and machine learning into mortgage analytics platforms.

One of the primary growth factors fueling the mortgage rep and warranty analytics market is the intensification of regulatory requirements imposed on financial institutions and mortgage lenders. The aftermath of the global financial crisis led to the implementation of stringent compliance frameworks such as the Dodd-Frank Act and Basel III, compelling organizations to adopt advanced analytics solutions to ensure compliance and minimize repurchase risk. These platforms enable organizations to proactively monitor, identify, and resolve potential loan defects or misrepresentations, significantly reducing the likelihood of costly buybacks and legal penalties. As a result, institutions are increasingly investing in sophisticated software and services that provide real-time insights, automated monitoring, and comprehensive reporting capabilities, thereby ensuring adherence to evolving regulatory standards and safeguarding institutional reputations.

Another significant driver is the escalating complexity and volume of mortgage transactions, which necessitate enhanced fraud detection and risk management capabilities. With the mortgage industry facing heightened threats from fraud schemes, misrepresentation, and data inaccuracies, analytics platforms equipped with AI and machine learning algorithms are becoming indispensable. These technologies enable real-time fraud detection, predictive risk scoring, and anomaly identification, allowing lenders to make informed decisions and mitigate potential losses. Furthermore, the integration of big data analytics facilitates the analysis of vast datasets from disparate sources, uncovering hidden patterns and providing actionable intelligence for portfolio optimization and loss mitigation. The growing need for operational efficiency, cost reduction, and improved loan quality is prompting financial institutions to embrace these advanced analytics solutions at an unprecedented rate.

The rapid digital transformation of the mortgage industry, accelerated by the COVID-19 pandemic, has further catalyzed the adoption of cloud-based analytics platforms. As organizations shift towards remote operations and digital mortgage processes, the demand for scalable, flexible, and secure analytics solutions has surged. Cloud deployment models offer significant advantages, including lower upfront costs, seamless integration with existing systems, and the ability to scale resources based on demand. This transition is enabling even small and medium-sized lenders to leverage advanced analytics without the need for substantial capital investment in IT infrastructure. Additionally, the proliferation of digital mortgage platforms and the increasing use of electronic documents and e-signatures are generating new data streams, which can be harnessed by analytics tools to enhance loan quality, streamline workflows, and improve customer experiences.

Regionally, North America dominates the mortgage rep and warranty analytics market, accounting for the largest share in 2024, followed by Europe and Asia Pacific. The United States, in particular, leads in terms of technology adoption, regulatory enforcement, and the presence of major market players. However, emerging markets in Asia Pacific and Latin America are witnessing rapid growth, driven by expanding mortgage markets, rising homeownership rates, and increasing investments in digital transformation. The regional outlook is further influenced by varying regulatory landscapes, economic conditions, and technological readiness, with each region presenting unique opportunities and challenges for market participants.