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.

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.

In the United States, interest rates for all mortgage types started to increase in 2021. This was due to the Federal Reserve introducing a series of hikes in the federal funds rate to contain the rising inflation. In the second quarter of 2025, the 30-year fixed rate dropped slightly, to **** percent. The rate remained below the peak of **** percent in the fourth quarter of 2023. Why have U.S. home sales decreased? Cheaper mortgages normally encourage consumers to buy homes, while higher borrowing costs have the opposite effect. As interest rates increased in 2022, the number of existing homes sold plummeted. Soaring house prices over the past 10 years have further affected housing affordability. Between 2014 and 2024, the median price of an existing single-family home risen by about ** percent. On the other hand, the median weekly earnings have risen much slower. Comparing mortgage terms and rates Between 2008 and 2024, the average rate on a 15-year fixed-rate mortgage in the United States stood between **** and **** percent. Over the same period, a 30-year mortgage term averaged a fixed-rate of between **** and **** percent. Rates on 15-year loan terms are lower to encourage a quicker repayment, which helps to improve a homeowner’s equity.

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.

The average mortgage interest rate decreased in nearly every country in Europe between 2012 and 2021, followed by an increase in response to inflation. In the first quarter of 2025, Poland, Hungary, and Romania topped the ranking as the countries with the highest mortgage interest rates in Europe. Conversely, Finland, Belgium, and Spain displayed the lowest interest rates. The UK, which is the country with the largest value of mortgages outstanding, had an interest rate of **** percent.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

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.

Mortgage Pricing Engine Market Outlook

According to our latest research, the global mortgage pricing engine market size reached USD 1.85 billion in 2024, reflecting robust demand for advanced pricing automation solutions across the mortgage sector. The market is projected to grow at a CAGR of 8.3% during the forecast period, reaching USD 3.64 billion by 2033. This growth is fueled by the increasing digital transformation initiatives in the banking and financial services sector, the rising complexity of mortgage products, and the need for real-time, accurate pricing to enhance both compliance and customer experience.

One of the primary factors driving the expansion of the mortgage pricing engine market is the accelerating pace of digitalization within the financial services industry. Lenders and financial institutions are increasingly adopting mortgage pricing engines to automate the traditionally manual and error-prone process of mortgage rate calculation. This shift not only streamlines operations but also ensures that pricing remains competitive and compliant with evolving regulations. The integration of advanced analytics and artificial intelligence within these engines enables lenders to analyze vast datasets quickly, offering personalized rates and improving the overall decision-making process. As consumer expectations for faster and more transparent mortgage approvals rise, the adoption of mortgage pricing engines is becoming indispensable for institutions aiming to maintain a competitive edge.

Another significant growth factor is the ever-evolving regulatory landscape, which necessitates the use of sophisticated technology to ensure compliance. Mortgage pricing engines are designed to automatically incorporate regulatory updates, helping lenders avoid costly penalties and reputational damage. This capability is particularly crucial in regions where regulatory requirements are frequently updated or vary significantly between jurisdictions. The ability to provide audit trails and ensure transparency in pricing calculations further enhances the appeal of these solutions. As regulators continue to emphasize consumer protection and fair lending practices, the demand for robust, compliant mortgage pricing engines is expected to surge.

Furthermore, the growing complexity and diversity of mortgage products have made manual pricing unsustainable for most lenders. With multiple loan types, fluctuating interest rates, and borrower-specific criteria, the need for dynamic and flexible pricing tools has never been greater. Mortgage pricing engines enable lenders to quickly adapt to market changes, optimize pricing strategies, and offer tailored solutions to different customer segments. This flexibility not only improves profitability but also enhances customer satisfaction by offering more relevant and competitive loan options. As the mortgage landscape continues to evolve, the role of pricing engines in supporting innovation and agility will only increase.

From a regional perspective, North America continues to dominate the mortgage pricing engine market, accounting for the largest share in 2024. This leadership is underpinned by the region's advanced financial infrastructure, high adoption of digital technologies, and stringent regulatory environment. Europe follows closely, driven by increasing digitalization in banking and growing demand for efficient mortgage origination solutions. Meanwhile, the Asia Pacific region is emerging as a high-growth market, supported by rapid urbanization, expanding middle class, and rising homeownership rates. Latin America and the Middle East & Africa are also witnessing steady adoption, although market penetration remains lower compared to developed regions. As financial institutions worldwide seek to modernize their lending processes, regional dynamics will continue to shape the evolution of the global mortgage pricing engine market.

Component Analysis

The mortgage pricing engine market is segmented by component into software and services, each playing a vital role in the overall ecosystem. The software segment is the primary revenue generator, accounting for a significant portion of the market in 2024. Mortgage pricing engine software provides the core functionality required for real-time rate calculation, compliance checks, and integration with other banking systems. The demand for advanced software solutions is being driven by the need for seamless, automated work

Track real-time 10 Year Treasury Rate yields and explore historical trends from year start to today. View interactive yield curve data with YCharts.

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.

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** percent. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

Bank Lending Rate in the United States decreased to 7 percent in October from 7.25 percent in September of 2025. This dataset provides - United States Average Monthly Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

The table below showcases the 10th, 25th, 50th, 75th, and 90th percentiles of mortgage rates for each city in Live Oak County, Texas. It's important to understand that mortgage rates can vary greatly and can change yearly.

Mortgage Pricing Engine Software Market Outlook

According to our latest research, the Mortgage Pricing Engine Software Market size reached USD 1.52 billion in 2024, with a robust year-on-year growth trajectory. The market is projected to expand at a CAGR of 9.2% from 2025 to 2033, leading to an anticipated value of USD 3.28 billion by 2033. This remarkable growth is primarily driven by the increasing digitization of lending processes, stringent regulatory requirements, and the growing demand for real-time mortgage pricing solutions across global financial institutions. As per the latest research, the market is witnessing accelerated adoption among both large enterprises and small and medium-sized enterprises, propelled by the need for enhanced operational efficiency and compliance.

The rapid evolution of the mortgage industry, characterized by the proliferation of digital lending platforms and heightened competition among financial institutions, is a significant growth factor for the Mortgage Pricing Engine Software Market. The shift from manual, paper-based processes to automated and data-driven platforms is transforming how banks, credit unions, mortgage lenders, and brokers operate. This transformation is fueled by the demand for accurate, real-time pricing, which enables lenders to respond swiftly to market fluctuations and customer preferences. Additionally, the integration of advanced analytics and artificial intelligence within mortgage pricing engine software is further optimizing loan origination and underwriting processes, reducing errors, and enhancing customer satisfaction.

Another pivotal growth driver is the regulatory landscape governing the mortgage industry. With increasing scrutiny from regulatory bodies such as the Consumer Financial Protection Bureau (CFPB) and similar agencies worldwide, financial institutions are compelled to adopt robust software solutions that ensure transparency, compliance, and auditability. Mortgage pricing engine software offers automated compliance checks, rate lock management, and documentation capabilities, which help institutions mitigate risks associated with regulatory violations. This, in turn, reduces operational costs and potential penalties, making such software indispensable for sustainable business operations in the mortgage sector.

Furthermore, the competitive dynamics within the financial services sector are intensifying the adoption of mortgage pricing engine software. Lenders are under constant pressure to deliver personalized loan offers, streamline customer experiences, and maintain profitability amidst fluctuating interest rates and market volatility. The ability of mortgage pricing engines to aggregate data from multiple sources, analyze borrower profiles, and generate optimized pricing scenarios in real time is a game-changer. This not only enhances decision-making but also enables lenders to capture a larger market share by offering competitive and compliant mortgage products.

From a regional perspective, North America continues to dominate the Mortgage Pricing Engine Software Market due to its mature financial ecosystem and early adoption of digital technologies. However, Asia Pacific is emerging as a high-growth region, driven by rapid urbanization, increasing homeownership rates, and the expansion of fintech startups. Europe is also witnessing significant traction, particularly in countries with progressive regulatory frameworks and a strong focus on digital transformation within the banking sector. Latin America and the Middle East & Africa are gradually catching up, supported by growing investments in financial infrastructure and digital lending initiatives.

Component Analysis

The Component segment of the Mortgage Pricing Engine Software Market is bifurcated into Software and Services. The software component constitutes the core of the market, encompassing platforms and applications that automate mortgage pricing, manage rate sheets, and facilitate compliance. These solutions are increasingly leveraging artificial intelligence and machine learning algorithms to enhance pricing accuracy and predictive analytics. The growing need for scalable, customizable, and user-friendly software solutions is fueling innovation among vendors, resulting in a diverse portfolio of offerings tailored to various lender requirements.

On the othe

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

Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at **** percent at the end of 2023, the European Central Bank deposit rate at **** percent, and the Swiss National Bank policy rate at **** percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to *** percent, the ECB refi rate to **** percent, the Bank of England bank rate to **** percent, and the Swiss National Bank policy rate to **** percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

Mortgage POS Analytics Market Outlook

According to our latest research, the global Mortgage POS Analytics market size reached USD 1.82 billion in 2024, with robust momentum driven by rapid digital transformation in the mortgage industry. The market is expected to grow at a CAGR of 13.5% during the forecast period, reaching a projected value of USD 5.67 billion by 2033. This significant expansion is primarily fueled by the increasing demand for advanced analytics to optimize loan origination, enhance customer experience, and ensure regulatory compliance across financial institutions. As per our analysis, the integration of artificial intelligence and machine learning into mortgage POS analytics platforms is a core growth driver, enabling lenders to streamline operations and deliver data-driven insights in real time.

A key growth factor propelling the Mortgage POS Analytics market is the accelerating adoption of digital lending platforms by banks, credit unions, and mortgage lenders. Traditional mortgage processes, often fraught with inefficiencies and manual intervention, are being rapidly replaced by automated, analytics-driven solutions that enhance the borrower experience. These platforms leverage advanced analytics to reduce loan processing times, improve accuracy in underwriting, and minimize operational costs. Furthermore, the ability to harness big data and predictive analytics allows lenders to offer personalized loan products and make informed decisions, leading to higher conversion rates and customer satisfaction. The growing preference for seamless, omnichannel mortgage experiences is pushing financial institutions to invest heavily in sophisticated POS analytics tools, thereby driving market growth.

Another significant driver for the Mortgage POS Analytics market is the escalating need for regulatory compliance and risk management in the mortgage sector. With evolving regulatory frameworks and heightened scrutiny from governing bodies, mortgage providers are increasingly turning to analytics platforms to ensure compliance with local and international standards. These solutions offer real-time monitoring, automated reporting, and comprehensive audit trails, reducing the risk of non-compliance and potential penalties. Additionally, advanced risk analytics help institutions proactively identify and mitigate potential defaults or fraudulent activities, safeguarding both lenders and borrowers. The integration of compliance and risk management features within POS analytics platforms not only streamlines internal processes but also builds trust with stakeholders and regulatory authorities.

The surge in data-driven decision-making within the mortgage industry further amplifies the demand for robust analytics solutions. Financial institutions are recognizing the value of leveraging customer data, market trends, and loan performance metrics to optimize their portfolios and enhance profitability. Mortgage POS analytics platforms enable real-time data visualization, trend analysis, and performance benchmarking, empowering lenders to respond swiftly to market changes. The growing emphasis on data transparency, coupled with the need for actionable insights, is pushing organizations to adopt advanced analytics tools that facilitate strategic planning and operational efficiency. As competition intensifies, the ability to harness analytics for informed decision-making becomes a critical differentiator in the mortgage sector.

Regionally, North America remains the dominant force in the Mortgage POS Analytics market, accounting for the largest share in 2024. This leadership is attributed to the high penetration of digital mortgage solutions, the presence of major financial institutions, and a mature regulatory environment. Europe and Asia Pacific are also witnessing substantial growth, driven by increasing investments in fintech infrastructure and the rising adoption of cloud-based analytics platforms. Emerging markets in Latin America and the Middle East & Africa are gradually embracing mortgage POS analytics, supported by digitalization initiatives and expanding mortgage markets. The regional outlook indicates a shift towards global adoption, with tailored solutions catering to diverse regulatory and market requirements.