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

Comprehensive yearly mortgage rate data showing starting rates, ending rates, volatility, and notable economic events

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

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.

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

Key mortgage statistics for second homes in 2024, including loan size, interest rates, and fees.

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 number of households who are currently in receipt of the support as well as the number who have received SMI loans so far. See the background information and methodology note for an explanation of households.

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 Department for Work and Pensions (DWP’s) main statistics.

Feedback

We welcome all feedback on the content, relevance, accessibility and timing of these statistics to help us in producing statistics that meet user needs. For non-media enquiries on these statistics email: laura.parkhurst@dwp.gov.uk

For media enquiries please contact the DWP press office.

Next releases

Support for Mortgage Interest statistics are published quarterly. The dates for future releases are listed in the statistics release calendar.

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.

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.

Fair lending statistics from 100+ million mortgage applications showing approval rates and demographic patterns by Homebuyer.com.

Mortgage market statistics from 100+ million applications covering rates, fees, loan types, and lender rankings by Homebuyer.com.

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.

Mortgage approval rates by year from 2018-2024 showing the percentage of applications approved by lenders across all loan types including conventional, FHA, VA, and USDA mortgages

Average closing costs by state for home purchases in 2025

Key mortgage statistics for primary residences in 2024, including loan size, interest rates, and fees.

The number of U.S. home sales in the United States declined in 2024, after soaring in 2021. A total of four million transactions of existing homes, including single-family, condo, and co-ops, were completed in 2024, down from 6.12 million in 2021. According to the forecast, the housing market is forecast to head for recovery in 2025, despite transaction volumes expected to remain below the long-term average. Why have home sales declined? The housing boom during the coronavirus pandemic has demonstrated that being a homeowner is still an integral part of the American dream. Nevertheless, sentiment declined in the second half of 2022 and Americans across all generations agreed that the time was not right to buy a home. A combination of factors has led to house prices rocketing and making homeownership unaffordable for the average buyer. A survey among owners and renters found that the high home prices and unfavorable economic conditions were the two main barriers to making a home purchase. People who would like to purchase their own home need to save up a deposit, have a good credit score, and a steady and sufficient income to be approved for a mortgage. In 2022, mortgage rates experienced the most aggressive increase in history, making the total cost of homeownership substantially higher. Are U.S. home prices expected to fall? The median sales price of existing homes stood at 413,000 U.S. dollars in 2024 and was forecast to increase slightly until 2026. The development of the S&P/Case Shiller U.S. National Home Price Index shows that home prices experienced seven consecutive months of decline between June 2022 and January 2023, but this trend reversed in the following months. Despite mild fluctuations throughout the year, home prices in many metros are forecast to continue to grow, albeit at a much slower rate.

According to Cognitive Market Research, The Global Ready to Move in Luxury Homes Market size is USD 600.5 billion in 2023 and will grow at a compound annual growth rate (CAGR) of 8.0% from 2023 to 2030.

Remote work fueled demand for Ready to Move-in Luxury Homes, emphasizing dedicated offices and advanced amenities, creating synergy with the evolving work landscape.
The dominant category in the Ready to Move-in Luxury Homes market is the 1000-3000 square feet segment.
In the ready to move-in luxury homes market, luxury homes dominate.
North America will continue to lead, whereas the Europe Ready to Move in Luxury Homes Market will experience the strongest growth until 2030.

Market Dynamics of the Ready-to-Move-in Luxury Home Market

Remote Work and Low-Interest Rates Drive Surge in Demand for Ready-to-Move-in Luxury Home 

The advent of widespread remote work became a driving force for the ready-to-move-in luxury homes market. As companies embraced flexible work arrangements, professionals sought residences that catered to remote work needs. The cause-and-effect relationship unfolded as the demand for homes with dedicated office spaces, high-speed internet, and enhanced amenities surged. The market responded by prioritizing features conducive to remote work, such as spacious home offices and advanced technology infrastructure, creating a symbiotic relationship between the evolving work landscape and the flourishing luxury real estate sector.

Historic Low-Interest Rates Propel Demand for Ready to Move-in Luxury Homes

The ready to move-in luxury homes market experienced a boost driven by historically low-interest rates. As central banks implemented measures to stimulate economies amidst the pandemic, mortgage rates reached unprecedented lows. This led to increased buyer confidence and heightened affordability, catalyzing demand in the luxury real estate sector. The cause-and-effect relationship materialized as favorable financing conditions encouraged prospective buyers to invest in ready-to-move-in luxury homes, fostering a climate of increased transactions and market activity. Low-interest rates emerged as a pivotal driver shaping the positive trajectory of the luxury real estate market.

Restraints of the Ready-to-Move-in Luxury Homes

Supply Chain Disruptions and Construction Slowdown Impacting Ready-to-Move-in Luxury Homes Market

Supply chain disruptions emerged as a significant restraint in the ready to move-in luxury homes market. The cause-and-effect dynamic unfolded as the pandemic disrupted the flow of construction materials and labor, leading to a slowdown in construction activities. Delays in obtaining essential materials and the inability to secure skilled labor hindered project timelines. This restraint underscored the market's vulnerability to external factors affecting the construction industry, impacting the timely delivery of luxury homes and potentially dissuading prospective buyers who sought immediate occupancy.

Impact of COVID-19 on the Ready-to-Move-in Luxury Homes Market

The ready-to-move-in luxury homes market faced a dual impact from the COVID-19 pandemic. Lockdowns and economic uncertainties caused a slowdown in transactions and construction activities. However, as remote work gained prominence, there was a notable shift in demand toward spacious and well-equipped luxury homes. The market adapted by incorporating features like home offices and private amenities. Low interest rates further stimulated demand, leading to a rebound. Despite initial challenges, the pandemic catalyzed a transformation in the luxury real estate sector, aligning offerings with the evolving lifestyle preferences shaped by the new normal.

Opportunity for the growth of the Ready-to-Move-in Luxury Homes Market.

The increasing preference among affluent buyers for hassle-free, immediate occupancy solutions that combine convenience with high-end amenities.

One key opportunity for the growth of the ready-to-move-in luxury homes market lies in the increasing preference among affluent buyers for hassle-free, immediate occupancy solutions that combine convenience with high-end amenities. With rising disposable incomes and evolving lifestyles, especially among urban professionals, HNIs, and NRIs, there is a growing demand for premium properties that are fully constructed, elegantly designed, and equipped with smart home techno...

E-book Lending Platforms Market Outlook

According to our latest research, the global e-book lending platforms market size reached USD 5.18 billion in 2024, reflecting a robust adoption curve in digital content access. The market is projected to expand at a CAGR of 12.6% during the forecast period, reaching an estimated USD 15.11 billion by 2033. This significant growth is primarily driven by the rising demand for remote learning, digital libraries, and the increasing penetration of internet-enabled devices. As per our research, the digital transformation of educational and library services, coupled with the growing popularity of subscription-based reading models, is accelerating the adoption of e-book lending platforms globally.

A key growth factor for the e-book lending platforms market is the rapid digitalization of educational resources and the proliferation of online learning environments. Educational institutions and libraries are increasingly leveraging these platforms to provide students and readers with seamless access to a vast array of e-books, journals, and reference materials. The integration of e-book lending platforms with learning management systems (LMS) and academic networks has made it easier for users to borrow, read, and return digital content, thereby reducing logistical challenges associated with physical books. Furthermore, the COVID-19 pandemic accelerated the adoption of digital learning tools, creating a lasting impact on the way educational content is accessed and distributed. This shift is expected to persist, further fueling the growth of the e-book lending platforms market over the coming years.

Another major driver is the growing consumer preference for mobile reading and the convenience offered by digital platforms. With the increasing penetration of smartphones, tablets, and e-readers, users can now access e-books anytime and anywhere, making reading more accessible and flexible. Subscription-based platforms and public library e-lending services have capitalized on this trend by offering user-friendly interfaces, personalized recommendations, and seamless cross-device synchronization. The adoption of cloud-based solutions has further enhanced the scalability and accessibility of e-book lending services, enabling providers to reach a wider audience without the constraints of physical infrastructure. These technological advancements are not only improving user experiences but also driving higher engagement and retention rates among readers.

The expansion of e-book lending platforms is also being supported by favorable government initiatives and partnerships between technology providers, publishers, and educational institutions. Governments in several regions are investing in digital literacy programs and supporting public libraries in their transition to digital services. Strategic collaborations between e-book platform providers and publishers ensure a steady supply of diverse and up-to-date content, catering to the varied preferences of users. Additionally, the adoption of advanced analytics and artificial intelligence (AI) by platform operators is enabling more effective content curation, user engagement, and resource allocation. As the market matures, these collaborative efforts and policy frameworks are expected to play a crucial role in shaping the competitive landscape and driving sustainable growth.

Regionally, North America remains the dominant market for e-book lending platforms, accounting for the largest share in 2024, followed by Europe and Asia Pacific. The presence of leading technology providers, high internet penetration, and well-established library networks have contributed to the strong adoption in North America. Meanwhile, the Asia Pacific region is witnessing the fastest growth, driven by the rapid digitalization of educational infrastructure and increasing investments in e-learning solutions. Europe continues to experience steady growth, supported by government initiatives promoting digital libraries and reading culture. Latin America and the Middle East & Africa are emerging markets with significant untapped potential, as digital literacy and internet access continue to improve.

Platform Type Analysis

The platform type segment of the e-book lending platforms market encompasses public library platforms, subscription-based platforms, academic library platforms, and others. Public library platforms have historically played a pivotal role in democratiz

US loan brokers encountered revenue declines over the past five years as high interest rates increased borrowing costs and hindered demand for loans and a weakened residential market hindered demand for mortgages. The significant rise in the 30-year conventional mortgage rate over the past five years slowed housing starts and existing home sales as borrowing costs increased and loan demand fell. However, interest rate cuts in the latter part of the period will reduce borrowing costs and increase demand for loans, helping to limit revenue losses for the industry. Interest rate cuts are expected to be cut further in 2025. In addition, loan brokers will continue to contend with educated consumers attracted to the easy lending processes popularized by online lenders. Also, access to credit has climbed during the current period, which has limited revenue declines as consumers were able to increasingly borrow during the high interest rate environment. Overall, industry revenue declined at a CAGR of 4.1% to $16.6 billion over the five years to 2025. Industry revenue is also anticipated to decline 0.6% in 2025 alone, with profit falling to 10.2% of revenue in the same year. Loan originations for new homes and remodeling declined due to the persistent high interest rate environment. High interest rates discouraged consumers from taking on new loans amid the skeptical economic outlook. Since loan brokers generate revenue through commission or on a fee basis, the decrease in loan originations contributed to falling revenue generation and profit, measured as earnings before interest and taxes. Profit has been under pressure as industry wages have begun to outpace revenue growth. As this trend continues into the outlook period, profit will be constrained. Over the next five years, revenue for loan brokers is set to grow at a CAGR of 0.7% to $17.2 billion over the five years to 2030. Rekindling consumer confidence and greater access to credit will be the predominant drivers of industry growth over the coming years. In addition, the growth rate will climb as the Federal Reserve is anticipated to make further rate cuts at the onset of the outlook period. Demand for new loans will be strong, with the lending market being accommodating by historical standards.

Annual market share for fixed-rate and ARM mortgages from 2018-2024.

When comparing the mortgage or rental costs incurred by owners with mortgage, private renters and social renters in England, private renters pay a considerably larger share of their income than the other two groups. While owner occupiers with mortgages paid approximately **** percent of their income on mortgage in 2024, private renters paid ** percent, or more than *********. In terms of average monthly costs, renting a three-bedroom house is more expensive than buying.