The rate on 15-year fixed-rate mortgages in the United States decreased in the period after the Great Recession and reached its lowest level in 2021, followed by a steep increase in the next two years. In the early 1990s, the rate on a 15-year fixed rate mortgage was between six and nine percent. The rate then fell to 2.27 percent in 2021. After the Federal Reserve introduced several bank rate hikes to tackle the rising inflation, the mortgage rate soared to 6.11 percent — the highest rate observed since 2008. The rate for 30-year fixed mortgages and five-year ARM mortgages followed a similar trend.
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St. Louis Fed. (June 4, 2026). Rates on 15-year fixed rate mortgage in the United States from 1992 to 2026 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 27, 2026, from /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/
St. Louis Fed. "Rates on 15-year fixed rate mortgage in the United States from 1992 to 2026." Chart. June 4, 2026. ÌÇÐÄÆƽâ°æ. Accessed July 27, 2026. /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/
St. Louis Fed. (2026). Rates on 15-year fixed rate mortgage in the United States from 1992 to 2026. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 27, 2026. /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/
St. Louis Fed. "Rates on 15-year Fixed Rate Mortgage in The United States from 1992 to 2026." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 4 Jun 2026, /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/
St. Louis Fed, Rates on 15-year fixed rate mortgage in the United States from 1992 to 2026 ÌÇÐÄÆƽâ°æ, /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/ (last visited July 27, 2026)
Rates on 15-year fixed rate mortgage in the United States from 1992 to 2026 [Graph], St. Louis Fed, June 4, 2026. [Online]. Available: /statistics/187656/rates-on-conventional-15-year-fixed-mortgages-in-the-us/
