This dataset offers a detailed monthly overview of mortgage loan characteristics from 1986 to 2019. It includes vital metrics such as contract interest rates, initial fees and charges, effective interest rates, terms to maturity, mortgage loan amounts, purchase prices, and loan-to-price ratios. This extensive dataset is an invaluable resource for financial analysts, real estate market researchers, and economists seeking to understand long-term trends and patterns in the mortgage market. Its granularity and time span make it particularly useful for historical analysis, market forecasting, and policy formulation in the housing finance sector. The dataset's consistency in structure over the years aids in comparative analysis and trend identification across different economic cycles.