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Median mortgage rate in the United States from 1st quarter 2019 to 3rd quarter 2025, by race

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Source

Release date

February 2026

Region

United States

Survey time period

Q1 2019 to Q3 2025

Supplementary notes

Median interest rates for conventional conforming loans based on mortgage applications.

Citation formats

Median mortgage rate in the U.S. 2019-2025, by race

Published by ÌÇÐÄÆƽâ°æ Research Department, Feb 3, 2026

The median mortgage rate among Black, Hispanic, and White mortgage applicants was **** percent in the third quarter of 2025. Asian mortgage applicants for conventional conforming loans had lower interest rate, amounting to **** percent.

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