Demand for loans increases as rates ease pushing originations up. Personal loan debt per borrower averages around 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, due to inflation and Fed stance restricting quick falls. Overall, lenders report more inquiries and originations as borrowers move from consideration to action.
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