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.

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.

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.

View weekly updates and historical trends for 30 Year Mortgage Rate. from United States. Source: Freddie Mac. Track economic data with YCharts analytics.

Mortgage interest rates in Europe soared in 2022 and remained elevated in the following two years. In many countries, this resulted in mortgage interest rates across the region more than doubling. In the first quarter of 2025, the average mortgage interest rate in the UK stood at **** percent. Spain had the lowest rate, at **** percent, while Poland had the highest, at *** percent. Why did mortgage interest rates increase? Mortgage rates have risen as a result of the European Central Bank (ECB) interest rate increase. The ECB increased its interest rates to tackle inflation. As inflation calms, the ECB is expected to cut rates, which allows mortgage lenders to reduce mortgage interest rates. What is the impact of interest rates on home buying? Lower interest rates make taking out a housing loan more affordable, and thus, encourage home buying. That can be seen in many countries across Europe: In France, the number of residential properties sold rose in the years leading up to 2021, and fell as interest rates increased. The number of houses sold in the UK followed a similar trend.

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.

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.

The USA home loan market is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 18% from 2025 to 2033. While the exact market size for 2025 is not provided, considering a typical large market size and the substantial growth rate, a reasonable estimate would place the market value at approximately $2 trillion in 2025. This significant expansion is driven by several key factors, including a rising population, increasing urbanization, favorable government policies promoting homeownership, and historically low-interest rates (though this last factor is less significant in recent years). The market is witnessing a shift towards digital platforms and online mortgage applications, streamlining the process for borrowers and increasing competition amongst lenders. However, challenges remain, such as fluctuating interest rates, potential economic downturns impacting affordability, and stringent lending regulations designed to protect borrowers. The competitive landscape is dominated by major players like Rocket Mortgage, LoanDepot, Wells Fargo, and Bank of America, along with regional and independent mortgage lenders. These companies are constantly innovating to cater to evolving customer preferences, offering personalized services, and leveraging data analytics for improved risk assessment. The market segmentation is likely diverse, encompassing various loan types (e.g., fixed-rate, adjustable-rate, FHA, VA loans), loan amounts, and borrower demographics. Future growth will depend on macroeconomic factors, including inflation, employment rates, and overall consumer confidence. Continued technological advancements and regulatory changes will significantly influence the market trajectory throughout the forecast period. Key drivers for this market are: Increase in digitization in mortgage lending market, Increase in innovations in software designs to speed up the mortgage-application process. Potential restraints include: Increase in digitization in mortgage lending market, Increase in innovations in software designs to speed up the mortgage-application process. Notable trends are: Growth in Nonbank Lenders is Expected to Drive the Market.

Mortgage rates in the United Kingdom (UK) have risen dramatically since the beginning of 2022, causing concerns about households with loans up for renewal facing notable increases in costs. That is the case for 1.4 million fixed rate mortgages up for renewal in 2023. This type of mortgage is a popular choice among homebuyers because it allows them to lock in the interest rate for a specific period. After the period runs out, homebuyers need to renegotiate the loan or switch to a variable interest rate. The vast majority of loans up for renewal until 2024 have an initial effective mortgage rate of less than 2.5 percent - significantly lower than the current mortgage rates.

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

15 Year Mortgage Rate in the United States decreased to 5.51 percent in November 27 from 5.54 percent in the previous week. This dataset includes a chart with historical data for the United States 15 Year Mortgage Rate.

France Mortgage Rate: Avg: Consumer: Up to 1 Year data was reported at 3.780 % in Mar 2025. This records an increase from the previous number of 3.750 % for Feb 2025. France Mortgage Rate: Avg: Consumer: Up to 1 Year data is updated monthly, averaging 3.120 % from Jan 2003 (Median) to Mar 2025, with 267 observations. The data reached an all-time high of 5.380 % in Dec 2008 and a record low of 1.160 % in Feb 2022. France Mortgage Rate: Avg: Consumer: Up to 1 Year data remains active status in CEIC and is reported by Banque de France. The data is categorized under Global Database’s France – Table FR.M007: Mortgage Rate. http://www.banque-france.fr/gb/stat_conjoncture/series/statmon/html/statmon.htm [COVID-19-IMPACT]

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.

Jumbo 30-Year Fixed Mortgage Rates

Zillow Home Value Forecast and Cash Buyer Data

By Zillow Data [source]

About this dataset

This dataset tracks the average jumbo mortgage rate quoted on Zillow Mortgages for a 30-year, fixed-rate, jumbo mortgage in one-hour increments during business hours. It provides insight into changes in the housing market and helps consumers make wiser decisions with their investments. In addition to tracking monthly mortgage rates, our dataset also covers consumer's home types and housing stock, cash buyer data, Zillow Home Value Forecast (ZHVF), negative equity metrics, affordability forecasts for both mortgages and rents as well as historic data including historical ZHVI and household income. With this unique blend of financial and real estate information, users are empowered to make more informed decisions about their investments. The data is updated weekly with the most recent statistics available so that users always have access to up-to-date information

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How to use the dataset

How to Use This Dataset:

• To start exploring this dataset, identify what type of home you are interested in by selecting one of the four categories: “all homes” (Zillow defines all homes as single family, condominiums and coops with a county record); multifamily 5+; duplex/triplex; or condos/coops.
• Understand additional data products that are included such as Zillow Home Value Forecast (ZHVF), Cash Buyers % share, affordability metrics like mortgage affordability or rental affordability and historical ZHVI values along with its median value for particular households or geographies which needs deeper insights into other endogenous variables such detailed information like how many bedrooms a house has etc.

• Choose your geographic region on which you would want to collect more information– regions could include city breakdowns from nationwide level down till specific metropolitan etc . Also use special crosswalks available if needed between federally defined metrics for counties / metro areas combined with Zillow's own ones for greater accuracy when analysing external facors effect on data . To download all datasets at once - click here. .

• Gather more relevant external factors for analysis such as home values forecasts using our published methodology post given url , further to mention TransUnion credit bureau related debt amounts also consider median household incomes vis Bureaus of Labor Cost Indexes ; All these give us greater dimensional insights into market dynamics affecting any particular region finally culminating into deeper research findings when taken together . The reasons behind any fluctions observed can be properly derived as a result .

          Finally make sure that proper attribution is alwys done following mentioned Terms Of Use while downloading since 'All Data Accessed And Downloaded From This Page Is Free For Public Use By Consumers , Media
  

Research Ideas

• Using the Mortgage Rate Data to devise strategies to help persons purchasing jumbo mortgages determine the best time and rates to acquire a loan.
• Analyzing trends in the market by investigating changes in affordability over time by studying rent and mortgage affordability, price-to-income ratios, and historical ZHVIs with cash buyers.
• Comparing different areas of housing markets over diverse geographies using data on all homes, condos/co-ops, multifamily dwellings 5+ units, duplexes/triplexes across various counties or metro areas

Acknowledgements

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

License

See the dataset description for more information.

Columns

File: MortgageRateJumboFixed.csv | Column name | Description | |:---------------------------|:---------------------------------------------------------------------------------------------------------------| | Date | The date of the mortgage rate. (Date) | | TimePeriod | The time period of the ...

Graph and download economic data for 5/1-Year Adjustable Rate Mortgage Average in the United States (DISCONTINUED) (MORTGAGE5US) from 2005-01-06 to 2022-11-10 about adjusted, mortgage, 5-year, interest rate, interest, rate, and USA.

Mortgage Rate in Australia decreased to 5.51 percent in September from 5.52 percent in August of 2025. This dataset includes a chart with historical data for Australia Mortgage Rate.

Data for households in receipt of Support for Mortgage Interest (SMI) loans is available in Stat-Xplore on a quarterly basis.

These quarterly experimental statistics include the number of households who are currently in receipt of the support as well as the number who have received SMI loans so far.

The statistics are broken down by:

• Quarter
• Country, Region
• Qualifying Benefit

Background information

Read the background information and methodology note for guidance on these statistics, such as timeliness and interpretation.

Interactive statistics

Find further breakdowns of these statistics on https://stat-xplore.dwp.gov.uk/webapi/jsf/login.xhtml">Stat-Xplore, an online tool for exploring some of DWP’s main statistics.

Next release

Support for Mortgage Interest statistics are released quarterly.
Next release: 29 June 2021

Pre-release access

In addition to staff who are responsible for the production and quality assurance of the statistics, up to 24-hour pre-release access is provided to ministers and other officials. We publish the job titles and organisations of the people who have been granted up to 24-hour pre-release access to the latest Support for Mortgage Interest statistics.

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.

Graph and download economic data for 30-Year Fixed Rate Conforming Mortgage Index (OBMMIC30YF) from 2017-01-03 to 2025-11-13 about 30-year, mortgage, fixed, rate, indexes, and USA.