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.

30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

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.

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.

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

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.

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

Snapshot img { margin: 10px !important; } About Housing Mortgage Mortgage is a debt instrument that the borrower is obliged to pay back with a fixed set of payments and is secured by the collateral of a specified real estate property. Mortgages enable individuals and businesses to make large real estate purchases without paying the entire value of the purchase in one go. Borrowers repay the loan along with interest over a period of many years until they eventually own the property free and clear. However, if borrowers stop paying the mortgage, the lender can foreclose and may evict the property’s owner and sell it, using the income from the sale to clear the mortgage debt. In a fixed-rate mortgage system, borrowers pay the same interest rate for the life of the loan. Most fixed-rate mortgages have a 15 or 30-year term. There is no influence on borrowers’ payment if market interest rates rise. However, if market interest rates decline significantly, borrowers may be able to secure that lower rate by means of refinancing the mortgage. TechNavio's analysts forecast the Housing Mortgage market in the US to grow at a CAGR of 1.75 percent over the period 2013-2018.Covered in this Report This report covers the present scenario and the growth prospects of the Housing Mortgage market in the US for the period 2014-2018. To calculate the market size, the report considers the loan volume of primary housing mortgage banks, credit unions, and financial institutions. It takes into consideration the various product segments such as Home Purchase, Home Improvement, and Refinancing. The report mentions the role played by Federal Government by the way of government-sponsored enterprises operating in the system. TechNavio's report, the Housing Mortgage Market in the US 2014-2018, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the US; it also covers the landscape of the Housing Mortgage market in the US and its growth prospects in the coming years. The report also includes a discussion of the key vendors operating in this market.Key Regions • USKey Vendors • Bank of America • Citigroup • JPMorgan Chase • U.S. Bancorp • Wells FargoOther Prominent Vendors • Ally Financial • Capital One Financial • Fifth Third Bancorp • Flagstar Bank, FSB • SunTrust Banks • Quicken Loans • Regions FinancialMarket Driver • Improved Demand for Home Loans • For a full, detailed list, view our reportMarket Challenge • Shrinking Lending Capacity • For a full, detailed list, view our reportMarket Trend • Less Incidence of Foreclosures • For a full, detailed list, view our reportKey Questions Answered in this Report • What will the market size be in 2018 and what will the growth rate be? • What are the key market trends? • What is driving this market? • What are the challenges to market growth? • Who are the key vendors in this market space? • What are the market opportunities and threats faced by the key vendors? • What are the strengths and weaknesses of the key vendors?

Graph and download economic data for 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-12-01 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

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 Q3 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Residential mortgage lending in Germany plummeted in 2022, amid an increase in mortgage rates. With interest rates gradually increasing as a response to the rising inflation, the mortgage market cooled. After reaching a low of around **** billion euros in February 2023, the value of new mortgage loans has gradually increased again, parallel to a decline in interest rates. In September 2025, new mortgage lending stood at about **** billion euros. During the observation period, 10-year fixed rate mortgages accounted for nearly half of mortgage lending, followed by 5 to 10 year fixed rate mortgages. More information on the Mortgage market in Western European countries can be found here.

The benchmark interest rate in Sweden was last recorded at 1.75 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Historical Prime Rates and Related Significant Events 1956-Present

Understanding Lending and Economic Trends

By Brandon Gadoci [source]

About this dataset

This dataset looks back at the history of lending rates from 1956 to present and investigates the effects of significant historical events on prime lending rate. The data, which was sourced from trusted sources, provides an insight into how major political and economic developments have influenced the cost of borrowing in different countries. By examining which events had an impact on interest rates and by how much, this dataset could prove invaluable for researchers looking to understand historical financial trends or for investors trying to understand past market behaviour. Take a step back in time with this comprehensive collection of lending data – it could be the key to unlocking greater insights into our financial history!

More Datasets

For more datasets, click here.

Featured Notebooks

• 🚨 Your notebook can be here! 🚨!

How to use the dataset

This dataset contains historical prime rates from 1956 to present, as well as significant events that may have affected the prime lending rate. With this data, you can analyze changes in the average majority prime rate charged by banks and any events that may have contributed to this change.

To get started with this dataset, you'll want to make sure you understand the columns it contains: Year: This is the year of the data point. (Integer)
Average Majority Prime Rate Charged By Banks: This is average prime rate charged by banks in the majority of he year for a given time period. (Float)
Significant Events: Significant events that may have impacted or shifted the Prime Lending Rate during a certain period or throughout history. (String)

You can then use this information to begin exploring and comparing periods where there were drastic shifts inside of one year within this data set as it provides an overall view intoprime lending during these different times periods along with what plausible external or internal factors could’ve caused them. To do so, you can use descriptive statistics such a means and medians, along with graphing tools such as line charts and scatter plots to observe any correlations between fluctuations inPrime Lending Rates and Significant Events taking place concurrently at different points in time throughout history over six decades §§ when both economic states seem prosperous or abysmal for comparison purposes so we can identify driving forces behind certain trends inside our data set

Research Ideas

• Create a timeline visualization of major prime rate events in the US to show the influence of various political and economic factors on interest rates.
• Superimpose this data over monthly trends of mortgage and auto loan interest rates to illustrate the impact that movements in the prime lending rate have on consumer borrowing.
• Determine which banks currently offer loans with the lowest prime rates, by tracking historic trends against current market conditions for lenders

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

License: Dataset copyright by authors - You are free to: - Share - copy and redistribute the material in any medium or format for any purpose, even commercially. - Adapt - remix, transform, and build upon the material for any purpose, even commercially. - You must: - Give appropriate credit - Provide a link to the license, and indicate if changes were made. - ShareAlike - You must distribute your contributions under the same license as the original. - Keep intact - all notices that refer to this license, including copyright notices.

Columns

File: historical_prime rate.csv | Column name | Description | |:-------------------------------------------------|:---------------------------------------------------------------------------| | Year | Year of the average majority prime rate charged by banks. (Integer) | | Average majority prime rate charged by banks | The average majority prime rate charged by banks in a given year. (Float) | | Significant Events | Significant events that may have had an effect on the prime rate. (String) |

Acknowledgements

If you use this dataset in your research, please cr...

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.

Mortgage Application in the United States increased by 0.20 percent in the week ending November 21 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Pakistan was last recorded at 11 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The FHFA House Price Index (FHFA HPI®) is the nation’s only collection of public, freely available house price indexes that measure changes in single-family home values based on data from all 50 states and over 400 American cities that extend back to the mid-1970s. The FHFA HPI incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data. ​ What does the FHFA HPI represent? The FHFA HPI is a broad measure of the movement of single-family house prices. The FHFA HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. This information is obtained by reviewing repeat mortgage transactions on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac since January 1975. The FHFA HPI serves as a timely, accurate indicator of house price trends at various geographic levels. Because of the breadth of the sample, it provides more information than is available in other house price indexes. It also provides housing economists with an improved analytical tool that is useful for estimating changes in the rates of mortgage defaults, prepayments and housing affordability in specific geographic areas. U.S. Federal Housing Finance Agency, All-Transactions House Price Index for Connecticut [CTSTHPI], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CTSTHPI, August 2, 2023.

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 second 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.