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.

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.

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.

In May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.

Graph and download economic data for Contract Rate on 30-Year, Fixed-Rate Conventional Home Mortgage Commitments (DISCONTINUED) (MORTG) from Apr 1971 to Sep 2016 about conventional, 30-year, mortgage, interest rate, interest, rate, and USA.

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 market daily updates and historical trends for US Bank Prime Loan Rate. from United States. Source: Federal Reserve. Track economic data with YCharts…

Graph and download economic data for Bank Prime Loan Rate (DPRIME) from 1955-08-04 to 2025-11-28 about prime, loans, interest rate, banks, depository institutions, interest, rate, and USA.

In 2022, Portugal overturned the sinking mortgage interest rate it had gone through during the coronavirus (COVID-19) pandemic. The country did not escape from the overall trend of falling mortgage interest rates observed in Europe during the COVID-19 crisis, which positioned national mortgage interest rates at **** percent in the fourth quarter of 2021. Interest rates as a weapon against inflation Even though interest rates are affected by economic growth, monetary policies, the bond market, the stability of lenders, and the overall conditions of the housing market, inflation currently leads the European Central Bank (ECB)’s decisions regarding them. As inflation had been low in Europe since the 2008 financial crisis, the ECB lowered interest rates in an attempt to promote economic growth. However, the economic difficulties brought up by the coronavirus pandemic and the Russian-Ukrainian war have fueled inflation. To counteract this rise, the ECB increased interest rates. Portugal’s abrupt rise in interest rates on new residential loans from **** percent in 2021 to **** percent in 2023 demonstrates the balanced and calculated act between the two financial indices. High interest rates and low mortgage lending Compared to other European nations, Portugal has a low gross residential mortgage lending. In the third and fourth quarters of 2022, mortgage lending decreased in the country due to rising interest rates and worsening economic conditions, but have increased dramatically until 2024. Despite being in a rising trajectory in terms of outstanding residential mortgage lending since the second quarter of 2021, 2023 registered decreasing figures caused by the same economic contingencies. 2024 shows a different trend, however.

Russia has recorded a decrease in the average weighted interest rate on mortgage loans issued to residents in the national currency in April 2025. In that month, the mortgage loan rate stood at **** percent.

The benchmark interest rate in Sweden was last recorded at 1.75 percent. This dataset provides the latest reported value for - Sweden Interest 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 2025-12-01 about FHA, 30-year, mortgage, fixed, rate, indexes, and USA.

The benchmark interest rate in China was last recorded at 3 percent. This dataset provides the latest reported value for - China Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.

Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-12-01 about veterans, 30-year, mortgage, fixed, rate, indexes, and USA.

The HUD monthly interest rate survey provides information on interest rates, loan terms, and house prices. The survey is conducted by property type, loan type, and lender type. How the survey is conducted The survey provides information on all properties, new properties, and previously occupied properties.The survey provides information on fixed-rate and adjustable-rate loans.The survey provides information on lenders such as savings associations, mortgage companies, commercial banks, and savings banks.What the survey includes The survey provides information on interest rates, loan terms, and house prices.The survey provides information on property type, loan type, and lender type.Update on the Discontinuation of FHFA's Monthly Interest Rate Survey (MIRS)On May 29, 2019, FHFA published its final Monthly Interest Rate Survey (MIRS), due to dwindling participation by financial institutions. MIRS had provided information on a monthly basis on interest rates, loan terms, and house prices by property type (all, new, previously occupied); by loan type (fixed- or adjustable-rate), and by lender type (savings associations, mortgage companies, commercial banks and savings banks); as well as information on 15-year and 30-year, fixed-rate loans. Additionally, MIRS provided quarterly information on conventional loans by major metropolitan area and by Federal Home Loan Bank district, and was used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders,” also known as the ARM Index.As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year Primary Mortgage Market Survey® (PMMS®) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.

The benchmark interest rate in Poland was last recorded at 4.25 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

The benchmark interest rate in Norway was last recorded at 4 percent. This dataset provides the latest reported value for - Norway Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.