Abstract copyright UK Data Service and data collection copyright owner.The Survey of Mortgage Lenders (SML) was launched on 1st April 1992 to succeed the 5% Sample Survey of Building Society Mortgage Completions (BSM) (See GN:33191). The aims were to improve the survey in three principal ways: a) to broaden the range of institutions surveyed to incorporate other mortgage lenders in addition to building societies and Abbey National. With the entry of the high street banks and then the centralised lenders into the mortgage market, information provided by the building societies no longer represented the whole market in the way it did when the BSM was set up in the 1960s. b) to extend its coverage to include further advances, remortgages and top-up loans in addition to first mortgages. c) to increase the level of detail on the questionnaire especially with respect to the characteristics of the mortgage loan. An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period. Main Topics: Financial institution code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, type of advance, whether solely for purchase of property, period of mortgage, gross rate of interest, whether the interest charged is fixed or variable rate, whether interest payments are discounted or deferred, repayment method, source of mortgage business, purchase price and whether discounted in any way, location of dwelling, whether new, age of dwelling, type of dwelling, number of habitable rooms, number, sex and age of borrowers, basic income of main borrower, other income and total income on which mortgage is based, whether applicant previously owner occupier, previous tenure. The institutions are divided into four strata according to the size of their assets. All the largest were asked to complete questionnaires on a sample of 5 per cent of their new mortgage advances. Mortgages are included if their reference numbers end in specified digits chosen so that every twentieth mortgage is selected. Institutions in the next stratum are arranged in order of size of assets and alternate institutions chosen each of which are asked to complete questionnaires on 10 per cent of their mortgages. In the next stratum 20 per cent of the mortgages of every fourth institution are obtained. The smallest institutions are completely excluded.

This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...).

The dataset shows structure of interest rates

Note: 1. For the year 1995-96, interest rate on deposits of maturity above 3 years, and from 1996-97 onwards, interest rates on deposit for all the maturities refer to the deposit rates of 5 major public sector banks as at end-March. 2. From 1994-95 onwards, data on minimum general key lending rates prescribed by RBI refers to the prime lending rates of 5 major public sector banks. 3. For 2011-12, data on deposit rates and Base rates of 5 major public sector banks refer to the period up to July 31, 2010. From July 1, 2010 BPLR System is replaced by Base Rate System. Accordingly the data reflects the Base Rate of five major public sector banks. Data for 2010-11 for Call/Notice Money rates are average of April-July 2010. 4. Data for dividend rate and yield rate for units of UTI are based on data received from Unit Trust of India. 5. Data on annual(gross) redemption yield of Government of India securities are based on redemption yield which is computed from 2000-01 as the mean of the daily weighted average yield of the transactions in each traded security. The weight is calculated as the share of the transaction in a given security in the aggregated value. 6. Data on prime lending rates for IDBI, IFCI and ICICI for the year 1999-00 relates to long-term prime lending rates in January 2000. 7. Data on prime lending rates for State Financial Corporation for all the years and for other term lending institutions from 2002-03 onwards relate to long-term (over 36-month) PLR. 8. Data on prime lending rate of IIBI/ IRBI from 2003-04 onwards relate to single PLR effective July 31, 2003. 9. IDBI ceased to be term lending institution on its conversion into a banking entity effective October 11, 2004. 10. ICICI ceased to be a term-lending institution after its merger with ICICI Bank. 11. Figures in brackets indicate lending rate charged to small-scale industries. 12. IFCI has become a non-bank financial company. 13. IIBI is in the process of voluntary winding up. 14. Figures for 2015-16 are as on July 14, 2015. 15. 2024-25 data : As on September 1, 2024; except for WALRs, WADTDR and 1-year median MCLR (July 2023). 16. * : Data on deposit and lending rates relate to five major Public Sector Banks up to 2003-04. While for the subsequent years, they relate to five major banks. 17. # : Savings deposit rate from 2011-12 onwards relates to balance up to 1 lakh. Savings deposit rate was deregulated with effect from October 25, 2011. 18. $ : Data on Weighted Average Lending Rates (WALRs), weighted Average Domestic Term Deposit Rate (WADTDR) and 1-year median marginal cost of funds-based lending rate (MCLR) pertain to all scheduled commercial banks (excluding RRBs and SFBs). 19. Data on lending rates in column (7) relate to Benchmark Prime Lending Rate (BPLR) for the period 2004-05 to 2009-10; Base Rate for 2010-11 to 2015-16 and Marginal Cost of Funds Based Lending Rate (MCLR) (overnight) for 2016-17 onwards. BPLR system was replaced by the Base Rate System from July 1, 2010, which, in turn, was replaced by the MCLR System effective April 1, 2016.

Bank Lending Rate In the Euro Area decreased to 3.81 percent in May from 3.92 percent in April of 2025. This dataset provides - Euro Area Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Switzerland was last recorded at 0 percent. This dataset provides - Switzerland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Chile Mortgage Rate: Bills: Term: > 20 Years data was reported at 2.800 % pa in Jun 2016. This records an increase from the previous number of 2.600 % pa for Feb 2016. Chile Mortgage Rate: Bills: Term: > 20 Years data is updated monthly, averaging 4.763 % pa from Dec 2000 (Median) to Jun 2016, with 170 observations. The data reached an all-time high of 7.255 % pa in Dec 2000 and a record low of 0.000 % pa in Apr 2015. Chile Mortgage Rate: Bills: Term: > 20 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate. The Jan-2015 is as per information released by Superintendency of Banks and Financial Institutions. Being verified with source.

Chile Mortgage Rate: Bills: Term: 1 to 8 Years data was reported at 3.000 % pa in Jun 2015. This stayed constant from the previous number of 3.000 % pa for Apr 2015. Chile Mortgage Rate: Bills: Term: 1 to 8 Years data is updated monthly, averaging 4.319 % pa from Dec 2000 (Median) to Jun 2015, with 144 observations. The data reached an all-time high of 7.162 % pa in Dec 2000 and a record low of 0.000 % pa in Feb 2015. Chile Mortgage Rate: Bills: Term: 1 to 8 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate. The data for Dec-2014 and Jan-2015 are as per information released by Superintendency of Banks and Financial Institutions. Being verified with source.

Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 1 to 8 Years data was reported at 2.949 % pa in Jan 2018. This records an increase from the previous number of 2.882 % pa for Dec 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 1 to 8 Years data is updated monthly, averaging 4.572 % pa from Dec 2000 (Median) to Jan 2018, with 206 observations. The data reached an all-time high of 8.844 % pa in Dec 2000 and a record low of 2.683 % pa in May 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 1 to 8 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate.

Abstract

The purpose of the SEPHER data set is to allow for testing, assessing and generating new analysis and metrics that can address inequalities and climate injustice. The data set was created by Tedesco, M., C. Hultquist, S. E. Char, C. Constantinides, T. Galjanic, and A. D. Sinha.

Methodology

SEPHER draws upon four major source datasets: CDC Social Vulnerability Index, FEMA National Risk Index, Home Mortgage Disclosure Act, and Evictions datasets. The data from these source datasets have been merged, cleaned, and standardized and all of the variables documented in the data dictionary.

CDC Social Vulnerability Index

CDC Social Vulnerability Index (SVI) dataset is a dataset prepared for the Centers for Disease Control and Prevention for the purpose of assessing the degree of social vulnerability of American communities to natural hazards and anthropogenic events. It contains data on 15 social factors taken or derived from Census reports as well as rankings of each tract based on these individual factors, groups of factors corresponding to four related themes (Socioeconomic, Household Composition & Disability, Minority Status & Language, and Housing Type & Transportation) and overall. The data is available for the years 2000, 2010, 2014, 2016, and 2018.

FEMA National Risk Index

The National Risk Index (NRI) dataset compiled by the Federal Emergency Management Agency (FEMA) consists of historic natural disaster data from across the United States at a tract-level. The dataset includes information about 18 natural disasters including earthquakes, tsunamis, wildfires, volcanic activity and many others. Each disaster is detailed out in terms of its frequency, historic impact, potential exposure, expected annual loss and associated risk. The dataset also includes some summary variables for each tract including the total expected loss in terms of building loss, human loss and agricultural loss, the population of the tract, and the area covered by the tract. It finally includes a few more features to characterize the population such as social vulnerability rating and community resilience.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA) dataset contains loan-level data for home mortgages including information on applications, denials, approvals, and institution purchases. It is managed and expanded annually by the Consumer Financial Protection Bureau based on the data collected from financial institutions. The dataset is used by public officials to make decisions and policies, uncover lending patterns and discrimination among mortgage applicants, and investigate if lenders are serving the housing needs of the communities. It covers the period from 2007 to 2017.

Evictions

The Evictions dataset is compiled and managed by the Eviction Lab at Princeton University and consists of court records related to eviction cases in the United States between 2000 and 2016. Its purpose is to estimate the prevalence of court-ordered evictions and compare eviction rates among states, counties, cities, and neighborhoods. Besides information on eviction filings and judgments, the dataset includes socioeconomic and real estate data for each tract including race/ethnic origin, household income, poverty rate, property value, median gross rent, rent burden, and others.

The purpose of the SEPHER data set is to allow for testing, assessing and generating new analysis and metrics that can address inequalities and climate injustice. The data set was created by Tedesco, M., C. Hultquist, S. E. Char, C. Constantinides, T. Galjanic, and A. D. Sinha.

SEPHER draws upon four major source datasets: CDC Social Vulnerability Index, FEMA National Risk Index, Home Mortgage Disclosure Act, and Evictions datasets. The data from these source datasets have been merged, cleaned, and standardized and all of the variables documented in the data dictionary.

CDC Social Vulnerability Index

CDC Social Vulnerability Index (SVI) dataset is a dataset prepared for the Centers for Disease Control and Prevention for the purpose of assessing the degree of social vulnerability of American communities to natural hazards and anthropogenic events. It contains data on 15 social factors taken or derived from Census reports as well as rankings of each tract based on these individual factors, groups of factors corresponding to four related themes (Socioeconomic, Household Composition & Disability, Minority Status & Language, and Housing Type & Transportation) and overall. The data is available for the years 2000, 2010, 2014, 2016, and 2018.

FEMA National Risk Index

The National Risk Index (NRI) dataset compiled by the Federal Emergency Management Agency (FEMA) consists of historic natural disaster data from across the United States at a tract-level. The dataset includes information about 18 natural disasters including earthquakes, tsunamis, wildfires, volcanic activity and many others. Each disaster is detailed out in terms of its frequency, historic impact, potential exposure, expected annual loss and associated risk. The dataset also includes some summary variables for each tract including the total expected loss in terms of building loss, human loss and agricultural loss, the population of the tract, and the area covered by the tract. It finally includes a few more features to characterize the population such as social vulnerability rating and community resilience.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA) dataset contains loan-level data for home mortgages including information on applications, denials, approvals, and institution purchases. It is managed and expanded annually by the Consumer Financial Protection Bureau based on the data collected from financial institutions. The dataset is used by public officials to make decisions and policies, uncover lending patterns and discrimination among mortgage applicants, and investigate if lenders are serving the housing needs of the communities. It covers the period from 2007 to 2017.

Evictions

The Evictions dataset is compiled and managed by the Eviction Lab at Princeton University and consists of court records related to eviction cases in the United States between 2000 and 2016. Its purpose is to estimate the prevalence of court-ordered evictions and compare eviction rates among states, counties, cities, and neighborhoods. Besides information on eviction filings and judgments, the dataset includes socioeconomic and real estate data for each tract including race/ethnic origin, household income, poverty rate, property value, median gross rent, rent burden, and others.

Chile Mortgage Rate: Bills: Term: 8 to 12 Years data was reported at 2.100 % pa in Aug 2016. This records a decrease from the previous number of 2.700 % pa for Feb 2016. Chile Mortgage Rate: Bills: Term: 8 to 12 Years data is updated monthly, averaging 4.300 % pa from Dec 2000 (Median) to Aug 2016, with 165 observations. The data reached an all-time high of 7.300 % pa in Dec 2000 and a record low of 0.000 % pa in Apr 2015. Chile Mortgage Rate: Bills: Term: 8 to 12 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate. The data for Dec-2014 and Jan-2015 are as per information released by Superintendency of Banks and Financial Institutions. Being verified with source.

Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 8 to 12 Years data was reported at 3.144 % pa in Jan 2018. This records an increase from the previous number of 3.099 % pa for Dec 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 8 to 12 Years data is updated monthly, averaging 4.571 % pa from Dec 2000 (Median) to Jan 2018, with 206 observations. The data reached an all-time high of 9.296 % pa in Dec 2000 and a record low of 2.834 % pa in Sep 2017. Chile Mortgage Rate: Mortgage Loan: Endorsable: Term: 8 to 12 Years data remains active status in CEIC and is reported by Financial Market Commission. The data is categorized under Global Database’s Chile – Table CL.M008: Mortgage Rate.

Canada Conventional Mortgage: 5 Years: Weekly data was reported at 6.490 % pa in 07 May 2025. This stayed constant from the previous number of 6.490 % pa for 30 Apr 2025. Canada Conventional Mortgage: 5 Years: Weekly data is updated weekly, averaging 5.700 % pa from Jan 2000 (Median) to 07 May 2025, with 1323 observations. The data reached an all-time high of 8.750 % pa in 31 May 2000 and a record low of 4.640 % pa in 12 Jul 2017. Canada Conventional Mortgage: 5 Years: Weekly data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.M005: Conventional Mortgage Rate. [COVID-19-IMPACT]

Bank Lending Rate in Estonia decreased to 5.33 percent in May from 5.62 percent in April of 2025. This dataset provides - Estonia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

South Africa Prime Lending Rate data was reported at 11.000 % pa in Mar 2025. This stayed constant from the previous number of 11.000 % pa for Feb 2025. South Africa Prime Lending Rate data is updated monthly, averaging 10.500 % pa from Jan 2000 (Median) to Mar 2025, with 303 observations. The data reached an all-time high of 17.000 % pa in May 2003 and a record low of 7.000 % pa in Oct 2021. South Africa Prime Lending Rate data remains active status in CEIC and is reported by South African Reserve Bank. The data is categorized under Global Database’s South Africa – Table ZA.M005: Prime Lending Rate.

The benchmark interest rate in India was last recorded at 5.50 percent. This dataset provides - India Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The benchmark interest rate in Australia was last recorded at 3.85 percent. This dataset provides - Australia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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

Bank Lending Rate in Hungary remained unchanged at 7.50 percent in June. This dataset provides the latest reported value for - Hungary Interest Rate on Collateralized Loans - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

The benchmark interest rate in Germany was last recorded at 4.50 percent. This dataset provides - Germany Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.