Core Viewpoint - The recent decline in mortgage rates in the U.S. has led to a significant increase in refinancing applications, marking the lowest rates since early April [1] Group 1: Mortgage Rate Changes - The 30-year fixed mortgage rate decreased by 9 basis points to 6.79% as of the week ending June 27 [1] - The 15-year mortgage rate fell to 6.06%, marking the fourth consecutive week of decline [1] Group 2: Refinancing Activity - The Mortgage Bankers Association's refinancing index rose by 6.5%, reaching its highest level since the week of April 11 [1]