Core Viewpoint - The latest data from the Mortgage Bankers Association (MBA) indicates a significant rebound in mortgage applications in the U.S., with a seasonally adjusted index rising by 36.1% for the week ending January 2, 2026, despite a 35.2% decline compared to four weeks prior [1]. Summary by Category Mortgage Application Trends - All types of loan applications showed a notable rebound, with purchase mortgage applications increasing by 27.9% and refinancing applications surging by 43.3% [1]. - Fixed-rate mortgage applications rose by 38.0%, while adjustable-rate mortgage (ARM) applications increased by 12.9% [1]. - Government-backed loan applications (e.g., FHA, VA) saw a particularly high increase of 46.5% [1]. Interest Rate Movements - Major mortgage rates generally declined, with the 30-year fixed mortgage rate falling by 7 basis points to 6.25% and the 15-year fixed rate decreasing by 5 basis points to 5.64% [1]. - Conversely, the 5-year ARM rate increased by 29 basis points to 5.90%, which may have limited its application growth [1]. Year-on-Year Comparison - Overall, mortgage application volume has increased by 50.0% compared to the same time last year, primarily driven by a significant drop in mortgage rates compared to January 2025 [1].
美国抵押贷款申请量激增 利率下行显著刺激再融资与购房需求
Xin Hua Cai Jing·2026-01-07 18:34