Table Data - Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by Credit Score - 30-YR Fixed Rate Mortgage: >=740 Credit Score
| Title | Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by Credit Score - 30-YR Fixed Rate Mortgage: >=740 Credit Score |
|---|---|
| Series ID | RCMFLRIGIRAPCTF30SGTE740 |
| Source | Federal Reserve Bank of Philadelphia |
| Release | FR Y-14M Large Bank Credit Card and Mortgage Data |
| Seasonal Adjustment | Not Seasonally Adjusted |
| Frequency | Quarterly, End of Quarter |
| Units | Percent |
| Date Range | 2012-07-01 to 2025-07-01 |
| Last Updated | 2026-01-21 2:02 PM CST |
| Notes | The average interest rate at origination for 30-year fixed rate mortgages with a borrower with a credit score greater than or equal to 740 at the time of origination. For more detail see the methodology. |
| DATE | VALUE |
|---|---|
| 2012-07-01 | 3.99 |
| 2012-10-01 | 3.78 |
| 2013-01-01 | 3.72 |
| 2013-04-01 | 3.67 |
| 2013-07-01 | 4.19 |
| 2013-10-01 | 4.53 |
| 2014-01-01 | 4.54 |
| 2014-04-01 | 4.45 |
| 2014-07-01 | 4.30 |
| 2014-10-01 | 4.34 |
| 2015-01-01 | 3.96 |
| 2015-04-01 | 3.92 |
| 2015-07-01 | 4.09 |
| 2015-10-01 | 4.03 |
| 2016-01-01 | 4.01 |
| 2016-04-01 | 3.82 |
| 2016-07-01 | 3.70 |
| 2016-10-01 | 3.69 |
| 2017-01-01 | 4.16 |
| 2017-04-01 | 4.22 |
| 2017-07-01 | 4.07 |
| 2017-10-01 | 4.04 |
| 2018-01-01 | 4.23 |
| 2018-04-01 | 4.59 |
| 2018-07-01 | 4.68 |
| 2018-10-01 | 4.84 |
| 2019-01-01 | 4.65 |
| 2019-04-01 | 4.27 |
| 2019-07-01 | 3.94 |
| 2019-10-01 | 3.79 |
| 2020-01-01 | 3.74 |
| 2020-04-01 | 3.39 |
| 2020-07-01 | 3.14 |
| 2020-10-01 | 2.92 |
| 2021-01-01 | 2.83 |
| 2021-04-01 | 3.05 |
| 2021-07-01 | 3.26 |
| 2021-10-01 | 3.09 |
| 2022-01-01 | 3.47 |
| 2022-04-01 | 4.63 |
| 2022-07-01 | 5.31 |
| 2022-10-01 | 6.04 |
| 2023-01-01 | 6.19 |
| 2023-04-01 | 6.45 |
| 2023-07-01 | 6.76 |
| 2023-10-01 | 7.29 |
| 2024-01-01 | 6.73 |
| 2024-04-01 | 6.90 |
| 2024-07-01 | 6.72 |
| 2024-10-01 | 6.36 |
| 2025-01-01 | 6.77 |
| 2025-04-01 | 6.67 |
| 2025-07-01 | 6.65 |