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.

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.

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.

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.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up but remained stable throughout 2024. In the second quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

The number of home sales in the United States peaked in 2021 at almost ************* after steadily rising since 2018. Nevertheless, the market contracted in the following year, with transaction volumes falling to ***********. Home sales remained muted in 2024, with a mild increase expected in 2025 and 2026. A major factor driving this trend is the unprecedented increase in mortgage interest rates due to high inflation. How have U.S. home prices developed over time? The average sales price of new homes has also been rising since 2011. Buyer confidence seems to have recovered after the property crash, which has increased demand for homes and also the prices sellers are demanding for homes. At the same time, the affordability of U.S. homes has decreased. Both the number of existing and newly built homes sold has declined since the housing market boom during the coronavirus pandemic. Challenges in housing supply The number of housing units in the U.S. rose steadily between 1975 and 2005 but has remained fairly stable since then. Construction increased notably in the 1990s and early 2000s, with the number of construction starts steadily rising, before plummeting amid the infamous housing market crash. Housing starts slowly started to pick up in 2011, mirroring the economic recovery. In 2022, the supply of newly built homes plummeted again, as supply chain challenges following the COVID-19 pandemic and tariffs on essential construction materials such as steel and lumber led to prices soaring.

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.

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.

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.

The foreclosure rate in the United States has experienced significant fluctuations over the past two decades, reaching its peak in 2010 at **** percent following the financial crisis. Since then, the rate has steadily declined, with a notable drop to **** percent in 2021 due to government interventions during the COVID-19 pandemic. In 2024, the rate stood slightly higher at **** percent but remained well below historical averages, indicating a relatively stable housing market. Impact of economic conditions on foreclosures The foreclosure rate is closely tied to broader economic trends and housing market conditions. During the aftermath of the 2008 financial crisis, the share of non-performing mortgage loans climbed significantly, with loans 90 to 180 days past due reaching *** percent. Since then, the share of seriously delinquent loans has dropped notably, demonstrating a substantial improvement in mortgage performance. Among other things, the improved mortgage performance has to do with changes in the mortgage approval process. Homebuyers are subject to much stricter lending standards, such as higher credit score requirements. These changes ensure that borrowers can meet their payment obligations and are at a lower risk of defaulting and losing their home. Challenges for potential homebuyers Despite the low foreclosure rates, potential homebuyers face significant challenges in the current market. Homebuyer sentiment worsened substantially in 2021 and remained low across all age groups through 2024, with the 45 to 64 age group expressing the most negative outlook. Factors contributing to this sentiment include high housing costs and various financial obligations. For instance, in 2023, ** percent of non-homeowners reported that student loan expenses hindered their ability to save for a down payment.

This data collection is part of the American Housing Metropolitan Survey (AHS-MS, or "metro") which is conducted in odd-numbered years. It cycles through a set of 21 metropolitan areas, surveying each one about once every six years. The metro survey, like the national survey, is longitudinal. This particular survey provides information on the characteristics of a New Orleans metropolitan sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

This data collection provides information on the characteristics of a national sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

Car loan interest rates in the United States decreased since mid-2024. Thus, the period of rapidly rising interest rates, when they increased from 3.85 percent in December 2021 to 7.92 percent in June 2024, has come to an end. The Federal Reserve interest rate is one of the main causes of the interest rates of loans rising or falling. If inflation stays under control, the Federal Reserve will start cutting the interest rates, which would have the effect of the cost of car loans falling too. How many cars have financing in the United States? Car financing exists because not everyone who wants or needs a car can purchase it outright. A financial institution will then lend the money to the customer for purchasing the car, which must then be repaid with interest. Most new vehicles in the United States in 2024 were purchased using car loans. It is not as common to use car loans for purchasing used vehicles as for new ones, although over a third of used vehicles were purchased using loans. The car industry in the United States The car financing business is huge in the United States, due to the high sales of both new and used vehicles in the country. A lot of the United States is very car-centric, which means that, outside large cities, it can often be difficult to do their daily commutes through other transportation methods. In fact, only a small percentage of U.S. workers used public transport to go to work. That is one of the factors that has helped establish the importance of the automotive sector in North America. Nevertheless, there are still countries in Asia-Pacific, Africa, the Middle East, and Europe with higher car-ownership rates than the United States.

This data collection is part of the American Housing Metropolitan Survey (AHS-MS, or "metro") which is conducted in odd-numbered years. It cycles through a set of 21 metropolitan areas, surveying each one about once every six years. The metro survey, like the national survey, is longitudinal. This particular survey provides information on the characteristics of a Seattle metropolitan sample of housing units, including apartments, single-family homes, mobile homes, and vacant housing units in 2009. The data are presented in eight separate parts: Part 1, Home Improvement Record, Part 2, Journey to Work Record, Part 3, Mortgages Recorded, Part 4, Housing Unit Record (Main Record), Recodes (One Record per Housing Unit), and Weights, Part 5, Manager and Owner of Rental Units Record, Part 6, Person Record, Part 7, High Burden Unit Record, and Part 8, Recent Mover Groups Record. Part 1 data include questions about upgrades and remodeling, cost of alterations and repairs, as well as the household member who performed the alteration/repair. Part 2 data include journey to work or commuting information, such as method of transportation to work, length of trip, and miles traveled to work. Additional information collected covers number of hours worked at home, number of days worked at home, average time respondent leaves for work in the morning or evening, whether respondent drives to work alone or with others, and a few other questions pertaining to self-employment and work schedule. Part 3 data include mortgage information, such as type of mortgage obtained by respondent, amount and term of mortgages, as well as years needed to pay them off. Other items asked include monthly payment amount, reason mortgage was taken out, and who provided the mortgage. Part 4 data include household-level information, including demographic information, such as age, sex, race, marital status, income, and relationship to householder. The following topics are also included: data recodes, unit characteristics, and weighting information. Part 5 data include information pertaining to owners of rental properties and whether the owner/resident manager lives on-site. Part 6 data include individual person level information, in which respondents were queried on basic demographic information (i.e. age, sex, race, marital status, income, and relationship to householder), as well as if they worked at all last week, month and year moved into residence, and their ability to perform everyday tasks and whether they have difficulty hearing, seeing, and concentrating or remembering things. Part 7 data include verification of income to cost when the ratio of income to cost is outside of certain tolerances. Respondents were asked whether they receive help or assistance with grocery bills, clothing and transportation expenses, child care payments, medical and utility bills, as well as with rent payments. Part 8 data include recent mover information, such as how many people were living in last unit before move, whether last residence was a condo or a co-op, as well as whether this residence was outside of the United States.

Housing Starts in the United States decreased to 1307 Thousand units in August from 1429 Thousand units in July of 2025. This dataset provides the latest reported value for - United States Housing Starts - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

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

MBA Mortgage Market Index in the United States increased to 317.60 points in November 21 from 316.90 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

Graph and download economic data for Average Sales Price of Houses Sold for the United States (ASPUS) from Q1 1963 to Q2 2025 about sales, housing, and USA.

Existing Home Sales in the United States increased to 4100 Thousand in October from 4050 Thousand in September of 2025. This dataset provides the latest reported value for - United States Existing Home Sales - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.