Pandemic home mortgage rates are locked in but those rates are becoming less common, with other homes increasing their rates

According to data from Homes.com, in the second half of 2025, more homeowners had mortgages with rates at or above 6% than those with loans below 3%.
Finance & Commerce

Easing mortgage ‘lock-in effect’ could boost housing inventory

The housing market recently crossed a noteworthy line: There are now more Americans with mortgage rates higher than 6% than below 3%. It matters because those ultralow, pandemic-era rates — while ...