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.

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.

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.

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.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

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

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.

30-Year Fixed Rate Mortgage Average in the United States was 6.23% in November of 2025, according to the United States Federal Reserve. Historically, 30-Year Fixed Rate Mortgage Average in the United States reached a record high of 18.63 in October of 1981 and a record low of 2.65 in January of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for 30-Year Fixed Rate Mortgage Average in the United States - last updated from the United States Federal Reserve on December of 2025.

The average mortgage interest rate decreased in nearly every country in Europe between 2012 and 2021, followed by an increase in response to inflation. In the first quarter of 2025, Poland, Hungary, and Romania topped the ranking as the countries with the highest mortgage interest rates in Europe. Conversely, Finland, Belgium, and Spain displayed the lowest interest rates. The UK, which is the country with the largest value of mortgages outstanding, had an interest rate of **** percent.

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

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.

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 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.

30-Year Fixed USDA Mortgage Rates - Historical chart and current data through 2025.

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.

View quarterly updates and historical trends for US Mortgage Transition Rate: Current to 30-60 Days Delinquent. from United States. Source: Federal Reserv…

Track real-time 10 Year Treasury Rate yields and explore historical trends from year start to today. View interactive yield curve data with YCharts.

Mortgage Pricing Engine Market Outlook

According to our latest research, the global mortgage pricing engine market size reached USD 1.85 billion in 2024, reflecting robust demand for advanced pricing automation solutions across the mortgage sector. The market is projected to grow at a CAGR of 8.3% during the forecast period, reaching USD 3.64 billion by 2033. This growth is fueled by the increasing digital transformation initiatives in the banking and financial services sector, the rising complexity of mortgage products, and the need for real-time, accurate pricing to enhance both compliance and customer experience.

One of the primary factors driving the expansion of the mortgage pricing engine market is the accelerating pace of digitalization within the financial services industry. Lenders and financial institutions are increasingly adopting mortgage pricing engines to automate the traditionally manual and error-prone process of mortgage rate calculation. This shift not only streamlines operations but also ensures that pricing remains competitive and compliant with evolving regulations. The integration of advanced analytics and artificial intelligence within these engines enables lenders to analyze vast datasets quickly, offering personalized rates and improving the overall decision-making process. As consumer expectations for faster and more transparent mortgage approvals rise, the adoption of mortgage pricing engines is becoming indispensable for institutions aiming to maintain a competitive edge.

Another significant growth factor is the ever-evolving regulatory landscape, which necessitates the use of sophisticated technology to ensure compliance. Mortgage pricing engines are designed to automatically incorporate regulatory updates, helping lenders avoid costly penalties and reputational damage. This capability is particularly crucial in regions where regulatory requirements are frequently updated or vary significantly between jurisdictions. The ability to provide audit trails and ensure transparency in pricing calculations further enhances the appeal of these solutions. As regulators continue to emphasize consumer protection and fair lending practices, the demand for robust, compliant mortgage pricing engines is expected to surge.

Furthermore, the growing complexity and diversity of mortgage products have made manual pricing unsustainable for most lenders. With multiple loan types, fluctuating interest rates, and borrower-specific criteria, the need for dynamic and flexible pricing tools has never been greater. Mortgage pricing engines enable lenders to quickly adapt to market changes, optimize pricing strategies, and offer tailored solutions to different customer segments. This flexibility not only improves profitability but also enhances customer satisfaction by offering more relevant and competitive loan options. As the mortgage landscape continues to evolve, the role of pricing engines in supporting innovation and agility will only increase.

From a regional perspective, North America continues to dominate the mortgage pricing engine market, accounting for the largest share in 2024. This leadership is underpinned by the region's advanced financial infrastructure, high adoption of digital technologies, and stringent regulatory environment. Europe follows closely, driven by increasing digitalization in banking and growing demand for efficient mortgage origination solutions. Meanwhile, the Asia Pacific region is emerging as a high-growth market, supported by rapid urbanization, expanding middle class, and rising homeownership rates. Latin America and the Middle East & Africa are also witnessing steady adoption, although market penetration remains lower compared to developed regions. As financial institutions worldwide seek to modernize their lending processes, regional dynamics will continue to shape the evolution of the global mortgage pricing engine market.

Component Analysis

The mortgage pricing engine market is segmented by component into software and services, each playing a vital role in the overall ecosystem. The software segment is the primary revenue generator, accounting for a significant portion of the market in 2024. Mortgage pricing engine software provides the core functionality required for real-time rate calculation, compliance checks, and integration with other banking systems. The demand for advanced software solutions is being driven by the need for seamless, automated work

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.