Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-06-26 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

Bank Lending Rate in Austria decreased to 4.22 percent in April from 4.39 percent in March of 2025. This dataset provides - Austria Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This table provides monthly and annual data, since 1999, on the official mortgage market reference interest rates applied in Spain. The information refers only to Spain as a member of the euro zone, so the reference rates are those applied by the European Central Bank for the entire eurosystem and by the Bank of Spain for the entire Spanish national territory. Annual data represent the monthly average for the year as a whole.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up, but remained stable throughout 2024. In the first quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

Graph and download economic data for Individual Income Tax Filing: Itemized Deductions: Home Mortgage Interest Paid (IMZIPHMIPA) from 1999 to 2016 about itemized deductions, deductions, individual, paid, mortgage, tax, interest, income, housing, and USA.

The benchmark interest rate in Brazil was last recorded at 15 percent. This dataset provides - Brazil Interest 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 ...).

The dataset shows structure of interest rates

Note: 1. For the year 1995-96, interest rate on deposits of maturity above 3 years, and from 1996-97 onwards, interest rates on deposit for all the maturities refer to the deposit rates of 5 major public sector banks as at end-March. 2. From 1994-95 onwards, data on minimum general key lending rates prescribed by RBI refers to the prime lending rates of 5 major public sector banks. 3. For 2011-12, data on deposit rates and Base rates of 5 major public sector banks refer to the period up to July 31, 2010. From July 1, 2010 BPLR System is replaced by Base Rate System. Accordingly the data reflects the Base Rate of five major public sector banks. Data for 2010-11 for Call/Notice Money rates are average of April-July 2010. 4. Data for dividend rate and yield rate for units of UTI are based on data received from Unit Trust of India. 5. Data on annual(gross) redemption yield of Government of India securities are based on redemption yield which is computed from 2000-01 as the mean of the daily weighted average yield of the transactions in each traded security. The weight is calculated as the share of the transaction in a given security in the aggregated value. 6. Data on prime lending rates for IDBI, IFCI and ICICI for the year 1999-00 relates to long-term prime lending rates in January 2000. 7. Data on prime lending rates for State Financial Corporation for all the years and for other term lending institutions from 2002-03 onwards relate to long-term (over 36-month) PLR. 8. Data on prime lending rate of IIBI/ IRBI from 2003-04 onwards relate to single PLR effective July 31, 2003. 9. IDBI ceased to be term lending institution on its conversion into a banking entity effective October 11, 2004. 10. ICICI ceased to be a term-lending institution after its merger with ICICI Bank. 11. Figures in brackets indicate lending rate charged to small-scale industries. 12. IFCI has become a non-bank financial company. 13. IIBI is in the process of voluntary winding up.

Key information about Jordan Bank Lending Rate

• Jordan Bank Lending Rate was reported at 8.240 % pa in Jan 2025.
• This records a decrease from the previous number of 8.260 % pa for Dec 2024.
• Jordan Bank Lending Rate data is updated monthly, averaging 8.750 % pa from Jan 1999 to Jan 2025, with 313 observations.
• The data reached an all-time high of 13.040 % pa in Feb 1999 and a record low of 6.800 % pa in Jul 2021.
• Jordan 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 Central Bank of Jordan provides monthly weighted average Bank Lending Rate.

Netherlands NL: Lending Interest Rate data was reported at 1.625 % pa in 2012. This records a decrease from the previous number of 2.000 % pa for 2011. Netherlands NL: Lending Interest Rate data is updated yearly, averaging 3.229 % pa from Dec 1999 (Median) to 2012, with 14 observations. The data reached an all-time high of 5.000 % pa in 2001 and a record low of 1.625 % pa in 2012. Netherlands NL: Lending Interest Rate data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Netherlands – Table NL.World Bank.WDI: Interest Rates. Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.; ; International Monetary Fund, International Financial Statistics and data files.; ;

Lending Rate In the Euro Area decreased to 2.40 percent in June from 2.65 percent in April of 2025. This dataset provides - Euro Area Lending Rate- actual values, historical data, forecast, chart, statistics, economic calendar and news.

NOTE: Data based on a sample except in P3, P4, H3, and H4. For.information on confidentiality protection, sampling error,.nonsampling error, definitions, and count corrections see.http://www.census.gov/prod/cen2000/doc/sf3.pdf

NOTE: Data based on a sample except in P3, P4, H3, and H4. For.information on confidentiality protection, sampling error,.nonsampling error, definitions, and count corrections see.http://www.census.gov/prod/cen2000/doc/sf3.pdf

Aruba: Interest rates on bank credit to the private sector: The latest value from 2022 is 6.1 percent, a decline from 6.4 percent in 2021. In comparison, the world average is 11.81 percent, based on data from 93 countries. Historically, the average for Aruba from 1986 to 2022 is 9.56 percent. The minimum value, 5.7 percent, was reached in 2019 while the maximum of 13.14 percent was recorded in 1999.

NOTE: Data based on a sample except in P3, P4, H3, and H4. For.information on confidentiality protection, sampling error,.nonsampling error, definitions, and count corrections see.http://www.census.gov/prod/cen2000/doc/sf3.pdf

Abstract copyright UK Data Service and data collection copyright owner.

The Survey of Mortgage Lenders (SML) was launched on 1st April 1992 to succeed the 5% Sample Survey of Building Society Mortgage Completions (BSM) (See GN:33191). The aims were to improve the survey in three principal ways:
a) to broaden the range of institutions surveyed to incorporate other mortgage lenders in addition to building societies and Abbey National. With the entry of the high street banks and then the centralised lenders into the mortgage market, information provided by the building societies no longer represented the whole market in the way it did when the BSM was set up in the 1960s.
b) to extend its coverage to include further advances, remortgages and top-up loans in addition to first mortgages.
c) to increase the level of detail on the questionnaire especially with respect to the characteristics of the mortgage loan.
An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period.
Main Topics:
Financial institution code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, type of advance, whether solely for purchase of property, period of mortgage, gross rate of interest, whether the interest charged is fixed or variable rate, whether interest payments are discounted or deferred, repayment method, source of mortgage business, purchase price and whether discounted in any way, location of dwelling, whether new, age of dwelling, type of dwelling, number of habitable rooms, number, sex and age of borrowers, basic income of main borrower, other income and total income on which mortgage is based, whether applicant previously owner occupier, previous tenure.

The rate on the marginal lending facility, which offers overnight credit to banks from the Eurosystem. Data refer to the changing composition of the Euro Area, taking into account the composition of the euro area at the time to which the statistics relate. For more details, see the ECB Statistics Bulletin's General Notes (https://sdw.ecb.europa.eu/reports.do?node=10000023).

Copyright, 2021, European Central Bank (ECB). Reprinted with permission.

Spain ECB Interest Rate: Marginal Lending Facility data was reported at 2.650 % pa in Apr 2025. This records a decrease from the previous number of 2.900 % pa for Mar 2025. Spain ECB Interest Rate: Marginal Lending Facility data is updated monthly, averaging 2.125 % pa from Jan 1999 (Median) to Apr 2025, with 316 observations. The data reached an all-time high of 5.750 % pa in Apr 2001 and a record low of 0.250 % pa in Jun 2022. Spain ECB Interest Rate: Marginal Lending Facility data remains active status in CEIC and is reported by European Central Bank. The data is categorized under Global Database’s Spain – Table ES.M001: Key Interest Rates: European Central Bank.

In June 2024, the European Central Bank (ECB) reduced the interest rate on its marginal lending facility by 0.25 percentage points, marking the first cut since 2016. Three months later, the ECB implemented another cut, setting the rate at 3.9 percent. It was followed by two further cuts at the end of 2024 and three more in early 2025, the latter one setting the rate at 2.65 percent. The marginal lending rate had previously been adjusted on March 16, 2016, when it was lowered from 0.3 percent to 0.25 percent, remaining unchanged until July 2022, when it was raised to 0.75 percent. After September 2022, the rate saw regular increases, reaching 4.75 percent by April 2024.