Top Quality and Affordable Homes
National |
Average Rate* |
| 30-Year FHA Rate | 5.94% |
| 30-Year Fixed Rate | 6.31% |
| 20-Year Fixed Rate | 6.06% |
| 15-Year Fixed Rate | 5.70% |
| * Conforming FNMA Loan Amount. Rates may include points. | |
Information updated: 11/13/2025
Credit Conditions for Builders Continue to Be Tight
Credit conditions on loans for residential Land Acquisition, Development & Construction (AD&C) were still tightening in the third quarter of 2025, according to NAHB’s quarterly survey on AD&C Financing. The net easing index derived from the survey posted a reading of -11.0 (the negative number indicating that credit tightened since the previous quarter). This is […]Unchanged Lending Conditions for Residential Mortgages in Third Quarter
Lending standards for most types of residential mortgages were essentially unchanged, according to the recent release of the Senior Loan Officer Opinion Survey (SLOOS). For commercial real estate (CRE) loans, lending standards for construction & development were modestly tighter, while multifamily was essentially unchanged. Demand for both CRE categories was essentially unchanged for the quarter. Two […]Adjustable-Rate Mortgage Applications Rise
All types of mortgage activity rose on a year-over-year basis in October, supported by recent declines in interest rates. Notably, adjustable-rate mortgage (ARM) applications more than doubled from a year ago, and refinancing activity continued to strengthen. The Mortgage Bankers Association’s (MBA) Market Composite Index, a measure of total mortgage application volume, fell 7.7% from […]Employment Loss and Post-COVID Recovery Across U.S. Metro Areas
In April 2020, total payroll employment in the United States fell by an unprecedented 20.5 million, following a loss of 1.4 million in March, as the COVID-19 pandemic brought the economy to a sudden halt. The unemployment rate surged by 10.4 percentage points to 14.8% in April. It was the highest rate effectively since the […]Credit Card and Auto Loan Balances Continue to Slow
Overall consumer credit continued to rise for the third quarter of 2025, but the pace of growth remains slow. Student loan balances continue to rise as well, slowly returning to pre-COVID growth. Furthermore, credit card and auto loan balances continue to grow but at historically low rates. Although interest rates are still elevated, credit card […]Orange County, Riverside County, San Bernardino County, Los Angeles County, San Diego Real Estate!
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