---
title: "US Mortgage Research and Data Studies | Owned Outright"
description: "Original data studies on US mortgages, calculated from public rate data with the same engine as our calculators. Free to cite, with downloadable data."
url: https://ownedoutright.com/us/research/
---

[US](https://ownedoutright.com/us/) › Research # 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.](https://ownedoutright.com/us/research/mortgage-crossover-study/) [All US mortgage calculators →](https://ownedoutright.com/us/)

Source: https://ownedoutright.com/us/research/