A Surprising Share of Homeowners Have High Mortgage Rates. Here’s the Breakdown

February 5, 2026

CNBC, Feb. 4, 226-Diana Olick
The share of U.S. homeowners with high rates on their mortgages has jumped sharply in just the last few years.

That’s having a marked impact on the refinance market and a somewhat more muted impact on home sales. Rates have been front and center in the debate over how to improve home affordability — and for good reason.
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