Borrowers lean toward financing with easing refinancing pushing originations up. Average personal loan debt per borrower rose to about $11,829 early 2024, up from previous years. Recent data indicate rate cuts boosted originations in 2026. Around 6.1% was the 30-year mortgage rate in early 2026, FHA rates were modestly lower, amid inflation pressures and Fed guidance limiting rapid declines. Overall, lenders report more inquiries and originations as borrowers move from consideration to action.
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