Mortgage News Daily is a leading news and analysis provider of U.S. mortgage markets and publish Mortgage News Daily rate index which is published daily.

Fixed 30-year mortgage rates in the United States averaged 6.77 percent in the week ending August 1 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 Application in the United States increased by 3.10 percent in the week ending August 1 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 National Survey of Mortgage Originations (NSMO) is a component of the National Mortgage Database (NMDB®) program. It is a quarterly mail survey jointly funded and managed by the Federal Housing Finance Agency (FHFA) and the Consumer Financial Protection Bureau (CFPB). NSMO provides unique and rich information for a nationally representative sample of newly originated closed-end first-lien residential mortgages in the United States, particularly about borrowers’ experiences getting a mortgage, their perceptions of the mortgage market, and their future expectations. This voluntary survey is administered by Westat, a survey and data collection corporation, to the borrowers associated with the sample mortgages. The respondents can either return the English questionnaire by mail or complete the survey online in English or Spanish. NSMO draws its sample from newly originated mortgages that are part of the NMDB, which is a 1-in-20 sample of closed-end first-lien residential mortgages newly reported to one of the three national credit bureaus. Beginning with mortgages originated in 2013, a simple random sample of about 6,000 mortgages per quarter is drawn for NSMO from loans newly added to the NMDB. The NSMO survey has been conducted quarterly since the first quarter of 2014. The current survey package sent to the respondents can be viewed here.The NSMO public use file was updated on July 1, 2024 to append additional survey records and additional quarters of mortgage performance information. It replaced the public use file released on March 3, 2023. The updated file contains 50,542 sample mortgages originated from 2013 through 2021 based on the first 34 quarterly waves of the NSMO survey. For these mortgages, the updated file contains mortgage performance information through the third quarter of 2023.The original NSMO public use file was published on November 8, 2018, containing mortgages originated from 2013 through 2016. It was first updated on February 20, 2020, containing mortgages originated through 2017. Subsequent updates were published on July 29, 2021 (containing mortgages originated through 2019) and on December 13, 2022 and March 3, 2023 (both containing mortgages originated through 2020).

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations, amounted to 190 billion U.S. dollars in the fourth quarter of 2024, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 304 billion U.S. dollars in the fourth quarter of 2024. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment, and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

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 fourth quarter of 2024, the 30-year fixed rate rose slightly, to **** percent. Despite the increase, the rate remained below the peak of **** percent in the same quarter a year ago. 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 2013 and 2023, 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 2023, 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.

This page provides links to summary statistical information on the major student loan programs administered by the U.S. Department of Education.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

Mortgage Rates: Hot Economic Conjecture Puts the Squeeze on Homebuyers

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

HMDA Data PublicationThe HMDA data and reports are the most comprehensive publicly available information on mortgage market activity. The data and reports can be used along with the Census demographic information for data analysis purposes. Available below are the data and reports for HMDA data collected in or after 2017. For HMDA data and reports for prior years, visit https://www.ffiec.gov/hmda/hmdaproducts.htm.For information about changes to HMDA Publications visit the Updates and Notes page.

United States Mortgage Adjustable Rate: Mth Avg: 5 Year data was reported at 4.110 % pa in Nov 2018. This records an increase from the previous number of 4.080 % pa for Oct 2018. United States Mortgage Adjustable Rate: Mth Avg: 5 Year data is updated monthly, averaging 3.540 % pa from Jan 2005 (Median) to Nov 2018, with 167 observations. The data reached an all-time high of 6.360 % pa in Jul 2006 and a record low of 2.610 % pa in May 2013. United States Mortgage Adjustable Rate: Mth Avg: 5 Year data remains active status in CEIC and is reported by Federal Home Loan Mortgage Corporation, Freddie Mac. The data is categorized under Global Database’s United States – Table US.M012: Mortgage Interest Rate.

Digital Mortgage Solution Market Outlook

The global digital mortgage solution market size was valued at approximately USD 4.2 billion in 2023 and is projected to reach USD 13.8 billion by 2032, growing at a compound annual growth rate (CAGR) of 14.2% during the forecast period. The growth of this market is primarily driven by the increasing demand for streamlined and efficient mortgage processes, enhanced user experience, and the adoption of advanced technologies such as artificial intelligence and blockchain within the mortgage industry.

A significant growth factor for the digital mortgage solution market is the rising consumer expectation for faster and more transparent mortgage processes. As consumers become more digitally savvy, there is an increasing demand for mortgage solutions that offer quick approvals and seamless processing. This has led financial institutions to invest heavily in digital transformation to stay competitive and meet customer expectations. Moreover, the utilization of AI and machine learning in assessing credit risk and automating paperwork has significantly reduced the time and cost associated with traditional mortgage processes.

Another driving factor is the regulatory landscape that mandates compliance and risk management within the mortgage industry. Traditional mortgage processes often involve a significant amount of paperwork and manual intervention, increasing the chances of errors and non-compliance. Digital mortgage solutions mitigate these risks by offering automated compliance checks and real-time updates, ensuring that all transactions adhere to the latest regulatory requirements. This not only reduces the compliance burden on financial institutions but also enhances the overall efficiency of the mortgage process.

The integration of blockchain technology in digital mortgage solutions is another key growth factor. Blockchain offers a secure and transparent way to record and share information, which is crucial in the mortgage industry. By utilizing blockchain, financial institutions can reduce fraud, enhance data security, and provide a more transparent and trustworthy service to their customers. This technological advancement is expected to further fuel the growth of the digital mortgage solution market in the coming years.

Regionally, North America is expected to dominate the digital mortgage solution market due to the high adoption rate of advanced technologies and the presence of major financial institutions. Europe is also anticipated to show significant growth, driven by regulatory changes and the demand for efficient mortgage processes. The Asia Pacific region is likely to witness substantial growth as well, propelled by increasing digitalization efforts and the expanding middle-class population seeking home loans. Latin America and the Middle East & Africa are expected to show moderate growth due to evolving financial landscapes and increasing investments in digital infrastructure.

Reverse Mortgage Providers are becoming increasingly relevant in the digital mortgage landscape as they offer unique solutions tailored to senior homeowners. These providers specialize in converting home equity into cash, allowing older adults to access funds without the need to sell their homes. As the population ages, the demand for reverse mortgages is expected to rise, prompting digital mortgage solution providers to integrate features that cater to this market segment. By leveraging digital tools, reverse mortgage providers can offer streamlined processes, enhanced customer service, and improved compliance with regulatory standards. This integration not only benefits the providers but also enhances the overall digital mortgage ecosystem by offering diverse financial solutions to a broader audience.

Component Analysis

The digital mortgage solution market can be segmented by components into software and services. The software segment is expected to hold the largest market share, driven by the increasing adoption of mortgage management software that automates various aspects of the mortgage process. These software solutions offer features such as document management, loan origination, underwriting, and closing, which significantly reduce processing time and improve accuracy. The need for customizable software solutions that can integrate with existing systems is also driving the growth of this segment.

Within the software segment, cloud-based solutions are gaining p

MBA Mortgage Market Index in the United States increased to 253.40 points in August 1 from 245.70 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

The table shows the level of mortgage credit extended by banks around the world including the most recent value and recent changes. This is the level of outstanding housing credit at a given point in time. The numbers are in billion local currency units and are updated right after the new data are released by the national authorities. Mortgage credit is by far the main component of household credit which also includes consumer credit. In many countries it exceeds the level of business credit. Greater access to mortgage credit makes it easier for households to buy real estate which is very beneficial but it does not contribute to long-term economic growth. In fact, if its growth is excessive it could lead to banking crises.

Discover the power of McGRAW’s comprehensive data solutions, the industry's largest and most complete property and ownership database in the nation. Additionally, the mortgage industry's most sought-after analytics solutions for loan quality, risk management, compliance, and collateral valuation. These data sets are built to empower businesses with reliable, accurate, and actionable insights across the mortgage, real estate, and title sectors. With access to over 150 million records and 200 attributes, our expansive data repository enables you to streamline decision-making, optimize marketing, and enhance customer targeting across industries. Take a look at the comprehensive data sets below:

Mortgage Data Our mortgage data encompasses loan origination, borrower profiles, mortgage terms, and payment statuses, providing a complete view of borrowers and mortgage landscapes. We deliver details on active and historical mortgages, including lender information, loan types, interest rates, and mortgage maturity. This empowers financial institutions and analysts to predict market trends, assess creditworthiness, and personalize customer outreach with accuracy.

Property Data McGRAW’s property data includes detailed attributes on residential and commercial properties, spanning property characteristics, square footage, zoning information, construction dates, and much more. Our data empowers real estate professionals, property appraisers, and investors to make well-informed decisions based on current and historical property details.

Title Data Our title data service provides a clear view of ownership history and title status, ensuring comprehensive information on property chain-of-title, lien positions, encumbrances, and transaction history. This invaluable data assists title companies, legal professionals, and financial institutions in validating title claims, mitigating risks, and reducing time-to-close.

Ownership Data McGRAW ownership data supplies in-depth insights into individual and corporate property ownership, offering information on property owners, purchase prices, and ownership duration. This dataset is crucial for due diligence, investment planning, and market analysis, giving businesses the competitive edge to identify opportunities and assess ownership patterns in the marketplace.

Unmatched Data Quality & Coverage Our data covers the full spectrum of residential and commercial properties in the United States, with attributes verified for accuracy and updated regularly. From state-of-the-art technology to rigorous data validation practices, McGRAW’s data quality stands out, providing the confidence that businesses need to make strategic decisions.

Why Choose McGRAW Data?

Extensive Reach: Over 150 million records provide unparalleled depth and breadth of data coverage across all 50 states.

Diverse Attributes: With 200 attributes across mortgage, property, title, and ownership data, businesses can customize data views for specific needs.

Actionable Insights: Our data analytics tools and customizable reports translate raw data into valuable insights, helping you stay ahead in the competitive landscape.

Leverage McGRAW’s data solutions to unlock a holistic view of the mortgage, property, title, and ownership landscapes. For real estate professionals, lenders, and investors seeking data-driven growth, McGRAW provides the tools to elevate decision-making, enhance operational efficiency, and drive business success in today’s data-centric market.

Graph and download economic data for 15-Year Fixed Rate Mortgage Average in the United States (MORTGAGE15US) from 1991-08-30 to 2025-08-07 about 15-year, fixed, mortgage, interest rate, interest, rate, and USA.

Digital Mortgage Platforms Market Outlook

The global market size for Digital Mortgage Platforms was valued at $10 billion in 2023 and is projected to reach $25 billion by 2032, growing at a CAGR of 11%. This growth is driven by the increased adoption of digital technologies and a strong demand for efficient, user-friendly mortgage processing solutions. The mortgage industry, traditionally known for its paperwork-intensive processes, is undergoing a significant transformation due to advancements in digital technologies, resulting in faster, more secure, and more streamlined mortgage processes.

Several factors contribute to the robust growth of the digital mortgage platforms market. The most significant driver is the increasing demand for enhanced customer experience. Modern borrowers expect seamless, fast, and transparent mortgage processes. Digital platforms offer features such as document automation, digital signatures, and real-time status updates, which significantly improve the borrower experience. Furthermore, the COVID-19 pandemic has accelerated digital transformation across various industries, including the mortgage sector, as remote interactions become the norm.

Another critical growth factor is the cost-efficiency associated with digital mortgage platforms. Traditional mortgage processes involve substantial manual labor and paperwork, leading to higher operational costs and longer processing times. By adopting digital solutions, financial institutions can significantly reduce these costs and improve efficiency. For example, automated data entry and verification can minimize errors and speed up the process, leading to quicker loan approvals and disbursements. This cost-saving potential is making digital mortgage platforms highly attractive to lenders and financial institutions.

Regulatory compliance and risk management are also driving the adoption of digital mortgage platforms. These platforms are equipped with advanced compliance tools that ensure adherence to stringent regulatory requirements. Automated compliance features can help in early detection and mitigation of risks, reducing the likelihood of fraud and non-compliance penalties. As regulatory environments become more complex, the ability to manage compliance efficiently through digital platforms is becoming increasingly essential for lenders.

From a regional perspective, North America holds the largest market share due to early adoption of digital technologies and a well-established mortgage market. However, rapid digitalization in the Asia Pacific region is expected to generate significant growth opportunities. Countries like China and India are witnessing a surge in digital mortgage platform adoption due to increasing internet penetration and government initiatives promoting digital transactions. Europe also presents a promising market, with regulations such as the European Mortgage Credit Directive driving the need for digital compliance solutions.

Component Analysis

The digital mortgage platforms market is segmented by component into software and services. The software segment holds the largest share due to the extensive range of functionalities it offers, including loan origination, processing, closing, and compliance management. Software solutions are designed to automate and streamline the entire mortgage lifecycle, reducing the need for manual intervention and minimizing errors. The demand for advanced software solutions is further propelled by the need for improved borrower experience and operational efficiency.

On the other hand, the services segment is also witnessing significant growth. Services include training, implementation, consulting, and support, which are crucial for the successful adoption and utilization of digital mortgage platforms. Financial institutions often require expert guidance to integrate these platforms with their existing systems and to ensure that their staff is adequately trained to use the new technologies. Ongoing support and maintenance services are essential to address any technical issues and to keep the platforms updated with the latest regulatory changes.

Another factor driving the services segment is the rising demand for customization and personalization. Lenders seek tailored solutions that meet their specific requirements and cater to their unique business processes. Service providers play a crucial role in customizing digital mortgage platforms to align with the distinct needs of different lenders. As the market matures, the demand for specialized services is expected to grow, further contributing to the

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 Q1 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Mortgage Approvals in the United Kingdom increased to 64.17 Thousand in June from 63.29 Thousand in May of 2025. This dataset provides the latest reported value for - United Kingdom Mortgage Approvals - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Includes all terminated HUD Multifamily insured mortgages. It includes the Holder and Servicer at the time the mortgage was terminated. Data is updated monthly and is extracted from MFIS.

The Mortgage Debt Outstanding table is no longer being updated. All of the series that were published in this table can be found in the Financial Accounts of the United States.