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.

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 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.

Source: From lending institutions and local authorities
The loan payments dataset stops in 2007.
The figures on fixed interest rate mortgages relate to mortgages which provide that the rate of interest may not be changed, or may only be changed at intervals of not less than one year.
The most current data is published on these sheets. Previously published data may be subject to revision. Any change from the originally published data will be highlighted by a comment on the cell in question. These comments will be maintained for at least a year after the date of the value change.

Mortgage rates surged at an unprecedented pace in 2022, with the average 10-year fixed rate doubling between March and December of that year. In response to mounting inflation, the Bank of England implemented a series of rate hikes, pushing borrowing costs steadily higher. By October 2025, the average 10-year fixed mortgage rate stood at **** percent. As financing becomes more expensive, housing demand has cooled, weighing on market sentiment and slowing house price growth. How have the mortgage hikes affected the market? After surging in 2021, the number of residential properties sold fell significantly in 2023, dipping to just above *** million transactions. This contraction in activity also dampened mortgage lending. Between the first quarter of 2023 and the first quarter of 2024, the value of new mortgage loans declined year-on-year for five consecutive quarters. Even as rates eased modestly in 2024 and housing activity picked up slightly, volumes remained well below the highs recorded in 2021. How are higher mortgages impacting homebuyers? For homeowners, the impact is being felt most acutely as fixed-rate deals expire. Mortgage terms in the UK typically range from two to ten years, and many borrowers who locked in historically low rates are now facing significantly higher repayments when refinancing. By the end of 2026, an estimated five million homeowners will see their mortgage deals expire. Roughly two million of these loans are projected to experience a monthly payment increase of up to *** British pounds by 2026, putting additional pressure on household budgets and constraining affordability across the market.

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.

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

This table contains 102 series, with data starting from 2013, and some select series starting from 2016. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Components (51 items: Total, funds advanced, residential mortgages, insured; Variable rate, insured; Fixed rate, insured, less than 1 year; Fixed rate, insured, from 1 to less than 3 years; ...), and Unit of measure (2 items: Dollars; Interest rate). For additional clarification on the component dimension, please visit the OSFI website for the Report on New and Existing Lending.

The benchmark interest rate in Canada was last recorded at 2.25 percent. This dataset provides - Canada Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Description

This data set represents thousands of loans made through the Lending Club platform, which is a platform that allows individuals to lend to other individuals. Of course, not all loans are created equal. Someone who is a essentially a sure bet to pay back a loan will have an easier time getting a loan with a low interest rate than someone who appears to be riskier. And for people who are very risky? They may not even get a loan offer, or they may not have accepted the loan offer due to a high interest rate. It is important to keep that last part in mind, since this data set only represents loans actually made, i.e. do not mistake this data for loan applications!

Format

A data frame with 10,000 observations on the following 55 variables.

emp_title

Job title.

emp_length

Number of years in the job, rounded down. If longer than 10 years, then this is represented by the value 10.

state

Two-letter state code.

homeownership

The ownership status of the applicant's residence.

annual_income

Annual income.

verified_income

Type of verification of the applicant's income.

debt_to_income

Debt-to-income ratio.

annual_income_joint

If this is a joint application, then the annual income of the two parties applying.

verification_income_joint

Type of verification of the joint income.

debt_to_income_joint

Debt-to-income ratio for the two parties.

delinq_2y

Delinquencies on lines of credit in the last 2 years.

months_since_last_delinq

Months since the last delinquency.

earliest_credit_line

Year of the applicant's earliest line of credit

inquiries_last_12m

Inquiries into the applicant's credit during the last 12 months.

total_credit_lines

Total number of credit lines in this applicant's credit history.

open_credit_lines

Number of currently open lines of credit.

total_credit_limit

Total available credit, e.g. if only credit cards, then the total of all the credit limits. This excludes a mortgage.

total_credit_utilized

Total credit balance, excluding a mortgage.

num_collections_last_12m

Number of collections in the last 12 months. This excludes medical collections.

num_historical_failed_to_pay

The number of derogatory public records, which roughly means the number of times the applicant failed to pay.

months_since_90d_late

Months since the last time the applicant was 90 days late on a payment.

current_accounts_delinq

Number of accounts where the applicant is currently delinquent.

total_collection_amount_ever

The total amount that the applicant has had against them in collections.

current_installment_accounts

Number of installment accounts, which are (roughly) accounts with a fixed payment amount and period. A typical example might be a 36-month car loan.

accounts_opened_24m

Number of new lines of credit opened in the last 24 months.

months_since_last_credit_inquiry

Number of months since the last credit inquiry on this applicant.

num_satisfactory_accounts

Number of satisfactory accounts.

num_accounts_120d_past_due

Number of current accounts that are 120 days past due.

num_accounts_30d_past_due

Number of current accounts that are 30 days past due.

num_active_debit_accounts

Number of currently active bank cards.

total_debit_limit

Total of all bank card limits.

num_total_cc_accounts

Total number of credit card accounts in the applicant's history.

num_open_cc_accounts

Total number of currently open credit card accounts.

num_cc_carrying_balance

Number of credit cards that are carrying a balance.

num_mort_accounts

Number of mortgage accounts.

account_never_delinq_percent

Percent of all lines of credit where the applicant was never delinquent.

tax_liens

a numeric vector

public_record_bankrupt

Number of bankruptcies listed in the public record for this applicant.

loan_purpose

The category for the purpose of the loan.

application_type

The type of application: either individual or joint.

loan_amount

The amount of the loan the applicant received.

term

The number of months of the loan the applicant received.

interest_rate

Interest rate of the loan the applicant received.

installment

Monthly payment for the loan the applicant received.

grade

Grade associated with the loan.

sub_grade

Detailed grade associated with the loan.

issue_month

Month the loan was issued.

loan_status

Status of the loan.

initial_listing_status

Initial listing status of the loan. (I think this has to do with whether the lender provided the entire loan or if the loan is across multiple lenders.)

disbursement_method

Dispersement method of the loan.

balance

Current...

This dataset contains two sheets showing: The number of regulated mortgages outstanding as at end 2022 in the UK by region/country, broken down by interest rate type (for example fixed rate, Standard Variable Rate etc) The number regulated fixed rate mortgages outstanding as at end 2022 in the UK by region/country, broken down by the month in which the fixed rate ('incentive rate') ends The data was provided to the GLA by the FCA, and the source is FCA Mortgages Performance Product Sales Data (PSD007).

Comprehensive proprietary research analyzing 312,367 assumable mortgage homes from 2023-2025 across all 50 states, including interest rates, savings analysis, state distribution, price ranges, and down payment requirements.

The benchmark interest rate in Mexico was last recorded at 7.25 percent. This dataset provides - Mexico Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Deutsche Bank S.A. - Banco Alemao data was reported at 0.000 % per Month in 03 Jul 2019. This stayed constant from the previous number of 0.000 % per Month for 02 Jul 2019. Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Deutsche Bank S.A. - Banco Alemao data is updated daily, averaging 0.000 % per Month from Jan 2012 (Median) to 03 Jul 2019, with 1817 observations. The data reached an all-time high of 0.000 % per Month in 03 Jul 2019 and a record low of 0.000 % per Month in 03 Jul 2019. Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Deutsche Bank S.A. - Banco Alemao data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB011: Lending Rate: per Month: by Banks: Pre-Fixed: Individuals: Mortgages with Market Rates. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

Rental Affordability Analysis Based on Median Income

Trends in Tier-Based Affordability Across the U.S

By Zillow Data [source]

About this dataset

This dataset contains rental affordability data for different regions in the US, giving valuable insights into regional rental markets. Renters can use this information to identify where their budget will go the farthest. The cities are organized by rent tier in order to analyze affordability trends within and between different housing stock types. Within each region, the data includes median household income, Zillow Rent Index (ZRI), and percent of income spent on rent.

The Zillow Home Value Forecast (ZHVF) is used to calculate future combined mortgage pay/rent payments in each region using current median home prices, actual outstanding debt amounts and 30-year fixed mortgage interest rates reported through partnership with TransUnion credit bureau. Zillow also provides a breakdown of cash vs financing purchases for buyers looking for an investment or cash option solution.

This dataset provides an effective tool for consumers who want to better understand how their budget fits into diverse rental markets across the US; from condominiums and co-ops, multifamily residences with five or more units, duplexes and triplexes - every renter can determine how their housing budget should be adjusted as they consider multiple living possibilities throughout the country based on real-time price data!

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How to use the dataset

Introduction

Getting Started

• First, you'll need to download the TieredAffordability_Rental.csv dataset from this Kaggle page onto your computer or device.

• After downloading the data set onto your device, open it with any CSV viewing software of your choice (ex: Excel). It will include columns for RegionName**RegionName** , homes type/housing stock (All Homes or Condo/Co-op) SizeRank , Rent tier tier , Date date , median household income income , Zillow Rent Index zri and PercentIncomeSpentOnRent percentage (what portion of monthly median house-hold goes toward monthly mortgage payment) .

• To begin analyzing rental prices across different regions using this dataset, look first at column four: SizeRank; which ranks each region based on size - smallest regions listed first and largest at last - so that you can compare a similar range of Regions when looking at affordability by home sizes larger than one unit multiplex dwellings.*Duples/Triplex*. Once there is an understanding of how all homes compare overall now it is time to consider home types Multifamily 5+ units according to rent tiers tier .

• Next, choose one or more region(s) for comparison based on their rank in SizeRank column –so that all information gathered about them reflects what portionof households fall into certain categories ; eg; All Homes / Small Home /Large Home / MultiPlex Dwelling and what tier does each size rank falls into eg.: Affordable/Slightly Expensive/ Moderately Expensive etc.. This will enable further abstraction from other elements like date vs inflation rate per month or periodical intervals set herein by Rate segmentation i e dates givenin ‘Date’Columns – making the task easier and more direct while analyzing renatalAffordibility Analysis Based On Median Income zri 00 zwi & PCISOR 00 PCIRO

Research Ideas

• Use the PercentIncomeSpentOnRent column to compare rental affordability between regions within a particular tier and determine optimal rent tiers for relocating families.
• Analyze how market conditions are affecting rental affordability over time by using the income, zri, and PercentageIncomeSpentOnRent columns.
• Identify trends in housing prices for different tiers over the years by comparing SizeRank data with Zillow Home Value Forecast (ZHVF) numbers across different regions in order to identify locations that may be headed up or down in terms of home values (and therefore rent levels)

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: TieredAffordability_Rental.csv | Column name | Description | |:-----------------------------|:-------------------------------------------------------------| | RegionName | The name of the region. (String) ...

15 Year Mortgage Rate in the United States decreased to 5.51 percent in November 27 from 5.54 percent in the previous week. This dataset includes a chart with historical data for the United States 15 Year Mortgage Rate.

Mortgage Rate in Sweden decreased to 2.80 percent in September from 2.84 percent in August of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Portoseg S.A. Credito Financiamento e Investimento data was reported at 0.000 % per Month in 03 Jul 2019. This stayed constant from the previous number of 0.000 % per Month for 02 Jul 2019. Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Portoseg S.A. Credito Financiamento e Investimento data is updated daily, averaging 0.000 % per Month from Jan 2012 (Median) to 03 Jul 2019, with 1817 observations. The data reached an all-time high of 0.000 % per Month in 03 Jul 2019 and a record low of 0.000 % per Month in 03 Jul 2019. Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: Portoseg S.A. Credito Financiamento e Investimento data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB011: Lending Rate: per Month: by Banks: Pre-Fixed: Individuals: Mortgages with Market Rates. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

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.

Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: BIORC CFI data was reported at 0.000 % per Month in 03 Jul 2019. This stayed constant from the previous number of 0.000 % per Month for 02 Jul 2019. Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: BIORC CFI data is updated daily, averaging 0.000 % per Month from Jan 2012 (Median) to 03 Jul 2019, with 1817 observations. The data reached an all-time high of 0.000 % per Month in 03 Jul 2019 and a record low of 0.000 % per Month in 03 Jul 2019. Lending Rate: per Month: Pre-Fixed: Individuals: Mortgages with Market Rates: BIORC CFI data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB011: Lending Rate: per Month: by Banks: Pre-Fixed: Individuals: Mortgages with Market Rates. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this