USA: Mortgage credit interest rate
* indicates monthly or quarterly data series
The most recent value is 5.9 percent as of September 2025, a decline compared to the previous value of 6.13 percent. Historically, the average for the USA from August 1991 to September 2025 is 5.56 percent. The minimum of 2.42 percent was recorded in December 2020, while the maximum of 9.01 percent was reached in November 1994.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Freddie Mac
| Recent values | USA: Mortgage credit interest rate, percent |
|---|---|
| 2025 Sep | 5.9 |
| 2025 Aug | 6.13 |
| 2025 Jul | 6.29 |
| 2025 Jun | 6.33 |
| 2025 May | 6.46 |
| 2025 Apr | 6.38 |
| 2025 Mar | 6.27 |
| 2025 Feb | 6.35 |
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Definition: The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.9 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 1.0000 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 22,329.80 | 11/2025 | billion |
| Consumer Price Index (CPI) | 153.6870 | 5/2026 | index points |
| Inflation, monthly | 0.63 | 5/2026 | percent |
| Inflation, annual | 4.25 | 5/2026 | percent |
| Private sector credit | 10,368.98 | 1/2026 | billion |
| Business credit | 5,802.32 | 1/2026 | billion |
| Household credit | 4,566.65 | 1/2026 | billion |
| Mortgage credit | 2,682.77 | 1/2026 | billion |
| Consumer credit | 1,883.88 | 1/2026 | billion |
| Business credit interest rate | 6.75 | 6/2026 | percent |
| Mortgage credit interest rate | 5.90 | 9/2025 | percent |
| Policy rate | 3.63 | 6/2026 | percent |
| Household debt to GDP | 68.10 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 14.10 | Q4/2025 | percent |
| Bank deposits, total | 19,182.40 | 5/2026 | billion local currency units |