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Indicators/Topics/Housing/Mortgage rate/United States

United States

Mortgage rate

Representative mortgage lending rate.

IndicatorsHousingMortgage rate - United States
FRED
Frequencyannual · +2Transformlevel

Source: FRED · CXU980230LB1309M

Stored official data

Mortgage rate - United States in United States was 2.3% on January 1, 2017, higher by 0.01% (+0.4%) from the prior observation. Charted from annual observations in %.

Latest2.30%
YoY+0.44%
10Y Avg2.29%
Latest observationJanuary 1, 2017
Model surprise-0.01%

Timeframe

Value transform

Version overlay

Chart appearance

Overlays & outputNBER bandsAuto Y
Axis & export

Mortgage rate - United States time series chart. Showing observations from 1939 to 2017. Latest value 2.3%.

Min2.18%
Mean7.22%
Max15.45%
Latest observationJanuary 1, 2017

Source evidence

Tier 1 - criticalU.S. macro backbone via St. Louis Fed; revision/vintage capable.Action: deepen nowExpected coverage: 800,000 series.
Source noteProvider health
SourceFederal Reserve Bank of St. Louis (FRED)
FRED
Native keyProvider-native identifier used to reconcile this country/provider series.
CXU980230LB1309M
FreshnessDisplayed as stored official data.The provider-backed series is outside its expected freshness window, so this view should be refreshed before production use.Fetched: May 24, 2026.Latest observation flag: Preliminary.
Stored · 2017-01-01
HistoryPoint-in-time data via the FRED ALFRED endpoint. Each request returns the values as they were published on the supplied vintage date.Vintage history is derived from FRED ALFRED's realtime_start/realtime_end query parameters.
Source-native vintage
ReuseCommercial use: dataset specific.Redistribution: review required.Do not treat FRED as an automatically reusable commercial-display source. Prefer direct BEA, BLS, Census, FRB, Treasury, and EIA feeds where possible.Source: FRED, Federal Reserve Bank of St. Louis (CXU980230LB1309M). Accessed 2026-05-24. Underlying-source rights may differ.
Dataset exceptions

Research notes

80 · Acceptable
ComparabilityAggregator is not the statistical authority: Use the source agency, source code, and methodology link when citing or reconciling with official releases.Seasonal-adjustment status needs attention: Prefer same-adjustment comparisons, or transform to year-over-year changes before cross-series comparison.
2 notes
QualitySource authority: 82/100. Aggregator source: useful access layer, but official methodology remains with the originating agency.Methodology completeness: 100/100. 100% of core provider, geography, unit, frequency, citation, and revision fields are populated.Timeliness and freshness: 90/100. 929 observations available; latest observation 2017-01-01; platform fetch 2026-05-24T12:24:51.196Z; release status none; data status liveRevision and vintage depth: 100/100. Point-in-time data via the FRED ALFRED endpoint. Each request returns the values as they were published on the supplied vintage date.
3/6 strong
CitationMortgage rate - United States (FRED (St. Louis Fed): CXU980230LB1309M, United States, retrieved May 24, 2026)
Retrieved May 24, 2026

Continue browsing

Browse all Housing indicatorsAdjacent concepts across providers and countries.View United States macro coverageEvery curated indicator for this country.View FRED catalogFilter the discovery catalog by this provider.
Series details, provenance, and revision toolsMetadata, release notes, revision history, and related series.

Series details

SourceFederal Reserve Bank of St. Louis (FRED)
CategoryHousing
FrequencyAnnual
Unit%
Latest observationJanuary 1, 2017
Platform last fetchMay 24, 2026
Transformslevel, yoy, index 100
About this series

Consumer Unit Characteristics: Percent Homeowner with Mortgage by Education: Master's, Professional, Doctorate

Related measures

Adjacent and similar concepts available for United States.

Home prices
Open country pivot

The reading right now

As of January 2017, Mortgage rate for United States stood at 2.3%. That is up 0.01 percentage points from the prior year. Over the trailing five years, the series has averaged 2.93%, ranging from a low of 2.18% in August 2016 to a high of 3.66% in November 2012. The current reading sits 1.5 percentage points below its trailing ten-year mean of 3.76%.

Computed from the observation series on this page. Numbers update when the underlying provider revises the data.