Low Mortgage Rates Keep Half of Homeowners Locked Into Existing Loans

By Snejana Farberov · Realtor.com · 2026-07-24

A new quarterly report from Realtor.com highlights a persistent bottleneck in the residential sector as nearly 50% of all outstanding mortgages remain capped at interest rates of 4% or lower. While some buyers are slowly adjusting to the current 6.5% market, the volume of homeown

A new quarterly report from Realtor.com highlights a persistent bottleneck in the residential sector as nearly 50% of all outstanding mortgages remain capped at interest rates of 4% or lower. While some buyers are slowly adjusting to the current 6.5% market, the volume of homeown