30 Year Mortgage Rate in the United States decreased to 6.77 percent in June 26 from 6.81 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Interactive historical chart showing the 30 year fixed rate mortgage average in the United States since 1971.

Fixed 30-year mortgage rates in the United States averaged 6.88 percent in the week ending June 20 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 30-Year Fixed Rate FHA Mortgage Index (OBMMIFHA30YF) from 2017-01-03 to 2025-06-26 about FHA, 30-year, fixed, mortgage, rate, indexes, and USA.

Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-06-26 about veterans, 30-year, fixed, mortgage, rate, indexes, and USA.

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.

Interactive monthly chart and 12 years of historical data from 2012 to 2024.

Graph and download economic data for Large Bank Consumer Mortgage Balances: 30 or More Days Past Due: Including Foreclosures Rates: Accounts Based (RCMFLBACTDPDPCT30P) from Q3 2012 to Q4 2024 about 30 days +, accounts, FR Y-14M, large, balance, mortgage, consumer, banks, depository institutions, rate, and USA.

Credit card delinquency reached its highest level since 2019 in the first quarter of 2024, whereas mortgage delinquency declined to its lowest level. This is according to consumer data supplied by large banks that have to report such figures when handling over 100 billion U.S. dollars worth of assets. 3.56 percent of credit card balances were 30 days late - the highest percentage since tracking began in 2012. First-lien mortgage origination remained historically low, likely due to high interest rates and housing prices. Note the graphic shown here is different from another source on credit card delinquency rates in the U.S., as those figures are aggregates.

Graph and download economic data for 30-Year Fixed Rate Jumbo Mortgage Index (OBMMIJUMBO30YF) from 2017-01-03 to 2025-06-26 about jumbo, 30-year, fixed, mortgage, rate, indexes, and USA.

United States - 30-Day AA Nonfinancial Commercial Paper Interest Rate was 4.30% in June of 2025, according to the United States Federal Reserve. Historically, United States - 30-Day AA Nonfinancial Commercial Paper Interest Rate reached a record high of 6.59 in June of 2000 and a record low of 0.02 in November of 2013. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - 30-Day AA Nonfinancial Commercial Paper Interest Rate - last updated from the United States Federal Reserve on June of 2025.

Federal Housing Administration (FHA) loans had the highest delinquency rate in the United States in 2024. As of the second quarter of the year, 10.6 percent of one-to-four family housing mortgage loans were 30 days or more delinquent. This percentage was lower for conventional loans and Veterans Administration loans. Despite a slight increase, the delinquency rate for all mortgages was one of the lowest on record.

Peru Lending Rate: Commercial Banks: Domestic Currency: Market Average: Last 30 Days data was reported at 20.126 % pa in Oct 2018. This records a decrease from the previous number of 20.639 % pa for Sep 2018. Peru Lending Rate: Commercial Banks: Domestic Currency: Market Average: Last 30 Days data is updated monthly, averaging 21.480 % pa from Jan 2002 (Median) to Oct 2018, with 202 observations. The data reached an all-time high of 28.265 % pa in Mar 2008 and a record low of 17.340 % pa in Apr 2002. Peru Lending Rate: Commercial Banks: Domestic Currency: Market Average: Last 30 Days data remains active status in CEIC and is reported by Central Reserve Bank of Peru. The data is categorized under Global Database’s Peru – Table PE.M007: Lending Rate: Commercial Banks.

Argentina Reference Interest Rate: Repo: 30 Days data was reported at 34.390 % pa in May 2021. This records an increase from the previous number of 33.990 % pa for Apr 2021. Argentina Reference Interest Rate: Repo: 30 Days data is updated monthly, averaging 14.790 % pa from Jul 2002 (Median) to May 2021, with 227 observations. The data reached an all-time high of 64.690 % pa in Aug 2019 and a record low of 1.550 % pa in Feb 2004. Argentina Reference Interest Rate: Repo: 30 Days data remains active status in CEIC and is reported by Central Bank of Argentina. The data is categorized under Global Database’s Argentina – Table AR.M001: Policy Rate.

Car loan interest rates in the United States decreased since mid-2024. Thus, the period of rapidly rising interest rates, when they increased from 3.85 percent in December 2021 to 7.91 percent in February 2024, has come to an end. The Federal Reserve interest rate is one of the main causes of the interest rates of loans rising or falling. If inflation stays under control, the Federal Reserve will start cutting the interest rates, which would have the effect of the cost of car loans falling too. How many cars have financing in the United States? Car financing exists because not everyone who wants or needs a car can purchase it outright. A financial institution will then lend the money to the customer for purchasing the car, which must then be repaid with interest. Most new vehicles in the United States in 2024 were purchased using car loans. It is not as common to use car loans for purchasing used vehicles as for new ones, although over a third of used vehicles were purchased using loans. The car industry in the United States The car financing business is huge in the United States, due to the high sales of both new and used vehicles in the country. A lot of the United States is very car-centric, which means that, outside large cities, it can often be difficult to do their daily commutes through other transportation methods. In fact, only a small percentage of U.S. workers used public transport to go to work. That is one of the factors that has helped establish the importance of the automotive sector in North America. Nevertheless, there are still countries in Asia-Pacific, Africa, the Middle East, and Europe with higher car-ownership rates than the United States.

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.

Share of first lien balances 30 or more days past due. All past due active mortgages are included in the days past due calculations, including foreclosures. Borrowers who qualify for forbearance and stop making payments are also recorded as past due for all past due rate calculations. Days past due rates are presented using dollars (balance based). For more detail see: methodology (https://www.philadelphiafed.org/-/media/frbp/assets/surveys-and-data/y14/y-14-data-methodology).

Brazil Swap Rate: Interbank Deposit & Fixed Rate: Monthly Average: 30 days data was reported at 6.389 % pa in Jun 2019. This records a decrease from the previous number of 6.406 % pa for May 2019. Brazil Swap Rate: Interbank Deposit & Fixed Rate: Monthly Average: 30 days data is updated monthly, averaging 12.185 % pa from Mar 2001 (Median) to Jun 2019, with 220 observations. The data reached an all-time high of 26.630 % pa in Mar 2003 and a record low of 6.337 % pa in May 2018. Brazil Swap Rate: Interbank Deposit & Fixed Rate: Monthly Average: 30 days data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.ME002: Interest Rate Swap: Monthly Average.

Delinquency rates rose across all U.S. states in 2022, with Mississippi ranking as the state with the highest share of mortgage loans which were between 30 and 89 days past due. As of December 2022, the average delinquency rate in the country was 1.4 percent, while in Mississippi, it stood at three percent. Wisconsin, Washington, and Oregon had the lowest delinquency rates during that period.

These rates are the daily secondary market quotation on the most recently auctioned Treasury Bills for each maturity tranche (4-week, 13-week, 26-week, and 52-week) that Treasury currently issues new Bills. Market quotations are obtained at approximately 3:30 PM each business day by the Federal Reserve Bank of New York. The Bank Discount rate is the rate at which a Bill is quoted in the secondary market and is based on the par value, amount of the discount and a 360-day year. The Coupon Equivalent, also called the Bond Equivalent, or the Investment Yield, is the bill's yield based on the purchase price, discount, and a 365- or 366-day year. The Coupon Equivalent can be used to compare the yield on a discount bill to the yield on a nominal coupon bond that pays semiannual interest.