Observations

Q4 2025: 6.81

Updated: Apr 8, 2026 8:33 AM CDT

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	2026-04-08

Source

Federal Reserve Bank of Philadelphia	2025-07-08	2026-04-08

Release

FR Y-14M Large Bank Credit Card and Mortgage Data	2025-07-08	2026-04-08

Units

Percent	2025-07-08	2026-04-08

Frequency

Quarterly, End of Quarter	2025-07-08	2026-04-08

Seasonal Adjustment

Not Seasonally Adjusted	2025-07-08	2026-04-08

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	2026-04-08

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