Demand for loans increases with easing refinancing pushing originations up. Average personal loan debt per borrower rose to roughly $11,829 in early 2024, up from prior years. Recent data indicate rate cuts boosted originations in 2026. Around 6.1% was the 30-year mortgage rate in early 2026, FHA rates ticked lower, as inflation pressure and Fed signals keep headwinds for rapid declines. More inquiries and originations reported as borrowers transition from consideration to action.
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