Demand for loans increases amid lower rates driving originations higher. Average personal loan debt per borrower rose to about $11,829 in early 2024, up from prior years. 2026 originations rise as cuts take effect. Mortgage rates hovered around 6.1% for 30-year loans in early 2026, with FHA rates slightly 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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