Mortgage Lock-In Persists as Monthly Payments Cross $2,000 Threshold

Thursday, April 16th, 2026

The mortgage rate lock-in effect continues to keep a hold on the housing market, delaying relief in the constraints on existing inventory, according to the latest data from Realtor.com®.  Realtor.com’s Q4 2025 Outstanding Mortgage Data report broke down the current shares of rates in outstanding mortgages as follows: Outstanding Mortgage Rate Q4 2025 Share of…

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