Borrowers lean toward financing with easing refinancing pushing originations up. Personal loan debt per borrower averages around $11,829 roughly during early 2024, increases versus earlier years. Rate cuts have boosted 2026 originations. Around 6.1% was the 30-year mortgage rate in early 2026, FHA rates were modestly 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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