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.

The table below showcases the 10th, 25th, 50th, 75th, and 90th percentiles of mortgage rates for each zip code in Trump Island, Washington. It's important to understand that mortgage rates can vary greatly and can change yearly.

The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at **** percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to **** percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at **** percent but remained well below historical averages, indicating a relatively stable housing market. Impact of economic conditions on foreclosures The foreclosure rate is closely tied to broader economic trends and housing market conditions. During the aftermath of the 2008 financial crisis, the share of non-performing mortgage loans climbed significantly, with loans 90 to 180 days past due reaching *** percent. Since then, the share of seriously delinquent loans has dropped notably, demonstrating a substantial improvement in mortgage performance. Among other things, the improved mortgage performance has to do with changes in the mortgage approval process. Homebuyers are subject to much stricter lending standards, such as higher credit score requirements. These changes ensure that borrowers can meet their payment obligations and are at a lower risk of defaulting and losing their home. Challenges for potential homebuyers Despite the low foreclosure rates, potential homebuyers face significant challenges in the current market. Homebuyer sentiment worsened substantially in 2021 and remained low across all age groups through 2024, with the 45 to 64 age group expressing the most negative outlook. Factors contributing to this sentiment include high housing costs and various financial obligations. For instance, in 2023, ** percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

We use nationwide deed-level records on home foreclosures to examine the effects of economic distress on electoral outcomes and individual voter turnout. County-level difference-in-differences estimates show that counties that suffered larger increases in foreclosures did not punish or reward members of the incumbent president’s party more than less affected counties. Linking the Ohio voter file to individual foreclosures, difference-in-differences estimates show that individuals whose homes were foreclosed on were less likely to turn out, rather than being mobilized. However, in 2016 counties more exposed to foreclosures supported Trump at substantially higher rates. Taken together, the evidence suggests that the effect of local economic distress on incumbent performance is generally close to zero and only becomes substantial in unusual circumstances.

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 7.92 percent in June 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.

The Irish government holds hefty stakes in some of Ireland's largest lenders. However, the Department of Finance has been divesting some of its stakes in the sector recently – the Bank of Ireland became fully privatised in 2022. Allied Irish Banks also saw a big slump in its state-owned assets, from 71% at the start of 2022 to 3.3% in May 2025. Industry revenue is projected to climb at a compound annual rate of 11.7% over the five years through 2025 to €13 billion, including estimated growth of 21% in 2025. 2022 marked the end of low interest rates, supporting profit despite economic headwinds like rising inflation and subdued economic growth weighing on lending activity. Irish banks were also slow in passing these rate hikes to savers in the two years through 2023, ratcheting up net interest income. Although government pressure saw the likes of the Bank of Ireland hiking their savings rates on certain products in August 2023, Irish banks reported eyewatering profits during the year. Despite further rate cuts from the ECB, Irish banks continued to rake in record profit in the higher base rate environment and healthy domestic economy. In 2025, net interest income is set to drop in line with declining interest rates. However, a robust labour market and growth in consumer activity and house prices will keep bank balance sheets healthy. Industry revenue is set to jump at a compound annual rate of 4% to €15.9 billion over the five years through 2030. Irish banks are positioned to perform well in the short term despite multiple rate cuts expected from the ECB in the coming years, putting pressure on net interest margins. Lending activity will be supported by improving economic growth and a healthy housing market. However, uncertainty regarding Ireland’s strong connection with the US and Trump’s aggressive tariff policies will cast doubt on lending activity and mitigate the uptick in lending activity over the coming years. Technology adoption will continue on its upward trajectory, with banks closing branches to improve cost efficiencies and aid profitability.

On March 26, 2024, Truth Social entered the public market via the SPAC merger of Trump Media & Technology Group with the Digital World Acquisition Corp, at a valuation of eight billion U.S. dollars. The U.S.- based mortgage company Better.com, which went public via SPAC merger with the Aurora Acquisition Corp. in August 2023, enjoyed the implied valuation of almost seven billion U.S. dollars, despite having seen its profits deteriorate in the previous year.

SPAC mergers in the alt-tech scene SPAC mergers have become an increasingly common way for non-mainstream social media companies and alt-tech platforms to enter the public market. The number of Truth Social app downloads in the United States barely reached 100 thousand in February 2024. Despite this, Truth Social had a grandiose market debut, peaking at almost 80 U.S. dollars per share. Launched in February 2022, Truth Social is a microblogging platform that proposes to uphold freedom of expression by giving voice to the alt-right political figures in the American public debate. Similarly, online video platform Rumble, which monetizes content from creators such as Andrew Tate and Russell Brand, chose to go public via a SPAC merger with CF Acquisition Corp VI on September 15, 2022. The quarterly revenue generated by Rumble was almost 18 million U.S. dollars in the third quarter of 2023, down by 30 percent compared to the previous period. In comparison, the hours of uploaded video content on Rumble keep climbing to increasingly high output results, a sign that content creators have been using the platform more than in previous years.

Latest social media IPOs March 2024 marked the resurgence of social media IPOs. On March 21, 2024, social forum Reddit began officially trading on the New York exchange. The platform, which was launched in 2005, first expressed its wish to go public in December 2021. Reddit was valued at 6.5 billion U.S. dollars in its pre-IPO stand, but managed to surpass a 10 billion valuation after its market debut. Within the ranking of estimated valuation of selected social media platforms at their entrance into the public market, Reddit positions itself in the mid to low tier of the scale. Former president Donald Trump’s Truth Social, which went public via a SPAC merger in the same month, enjoyed a valuation of approximately eight billion U.S. dollars. The largest social media IPO recorded in the last 15 years was Facebook, which went public at a valuation of 104 billion U.S. dollars. Among the companies that have expressed the will to go public, communication and social networking platform Discord Inc. stands out thanks to its estimated 2022 valuation at 10 billion U.S. dollars.