Observations

Q3 2025: 7.17

Updated: Jan 21, 2026 2:02 PM CST

Units:

Percent,

Not Seasonally Adjusted

Frequency:

Quarterly,

End of Quarter

Notes

Title	Release Dates

Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by Credit Score - 30-YR Fixed Rate Mortgage: <680 Credit Score	2025-07-08	2026-01-21

Source

Federal Reserve Bank of Philadelphia	2025-07-08	2026-01-21

Release

FR Y-14M Large Bank Credit Card and Mortgage Data	2025-07-08	2026-01-21

Units

Percent	2025-07-08	2026-01-21

Frequency

Quarterly, End of Quarter	2025-07-08	2026-01-21

Seasonal Adjustment

Not Seasonally Adjusted	2025-07-08	2026-01-21

Notes

The average interest rate at origination for 30-year fixed rate mortgages with a borrower with a credit score less than 680 at the time of origination. For more detail see the methodology (https://sc103-philfed-prod-cm.sitecore-prod-ase4.appserviceenvironment.net/surveys-and-data/y14-methodology).	2025-07-08	2026-01-21

Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by Credit Score - 30-YR Fixed Rate Mortgage: <680 Credit Score (RCMFLRIGIRAPCTF30SLT680)