US mortgage research

Original studies built from public data, with the method and a downloadable dataset for each. Journalists and bloggers are welcome to use the figures with a link to the study.

When does a mortgage become mostly principal?

The crossover point for a 30-year loan taken out in every year since 1971, and 15-year loans since 1991, from Freddie Mac rate data. Free to cite, with a CSV download.

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