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Mortgages Above 6% Now Exceed Share of Mortgages Below 3%, Marking a Turning Point in the Rate Lock-In Era
As Buyers Adjust to 6%-Plus Rates, the Share of Higher-Rate Mortgages Is Poised to Rise AUSTIN, Texas, Jan. 14, 2026 /PRNewswire/ -- The share of U.S. homeowners carrying mortgage rates above 6% has officially surpassed the share holding ultra-low rates below 3%, signaling a meaningful shift in the housing market after years of historically low borrowing costs, according to new Realtor.com ® analysis of outstanding mortgage data. In the third quarter of 2025, 21.2% of outstanding mortgages carried interest rates of 6% or higher, edging past the 20.0% share with rates below 3%.
