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Mortgage activity continues to cool, with the latest data from the Ένωση Τραπεζιτών Υποθηκών (MBA) showing a third straight week of declining application volume. For the week ending 30 Μαΐου 2025, mortgage applications dropped 3.9% on a seasonally adjusted basis, according to the MBA’s Weekly Mortgage Applications Survey. This week’s results reflect adjustments for the Διακοπές ημέρας μνήμης.
On an unadjusted basis, the drop was even steeper overall mortgage application activity Μειώθηκε κατά 15% compared to the previous week. Both αγορά και refinance applications υποχώρησε κατά 4%.
Still, there’s a silver lining: application volume remains higher than it was a year ago. Refinance submissions are up 42% από έτος σε έτος, while purchase applications have grown by 18%.
“Rates came down slightly last week, but that wasn’t enough to boost applications in the short term,” said Τζόελ Καν, MBA’s Vice President and Deputy Chief Economist. “Despite the weekly dip, purchase applications are still tracking well ahead of last year’s pace, which reflects improved buyer interest overall.”
Στιγμιότυπο αγοράς
- 30-year fixed mortgage rates eased to 6.92%, continuing a two-month pattern of hovering between 6.8% και 7%.
- Refinance activity declined across both conventional and government-backed loans.
- The average refinance loan size hit its lowest point since Ιούλιος 2024, suggesting borrowers are holding off for more favorable rate drops.
“Government purchase applications held steady, with FHA activity rising slightly,” Kan added.
Application Breakdown by Segment
- Refinance share of total activity: 35.2% (από 34.6%)
- Στεγαστικά δάνεια με ρυθμιζόμενο επιτόκιο (ARMs): 7.1% of applications (down from 7.7%)
- Δάνεια FHA: 18.7% (από 17.9%)
- Δάνεια VA: 12.6% (από 12.3%)
- Δάνεια USDA: 0.5% (unchanged)
Weekly Rate Averages (with 80% Loan-to-Value Ratio)
| Τύπος δανείου | Τιμή | Αλλαγή | σημεία |
|---|---|---|---|
| 30-year conforming | 6.92% | ↓ from 6.98% | ↓ to 0.66 |
| 30-year jumbo | 6.92% | ↓ from 6.93% | ↓ to 0.60 |
| 30-year FHA | 6.68% | ↑ from 6.66% | ↓ to 0.93 |
| Σταθερό 15 χρόνια | 6.25% | ↑ from 6.23% | steady at 0.67 |
| 5/1 ΑΡΜ | 6.14% | ↓ from 6.22% | ↓ to 0.43 |
The MBA survey, a closely watched indicator of mortgage demand, has been conducted weekly since 1990. It reflects data collected from a wide range of institutions, including mortgage bankers, banks, thrifts, and credit unions.
Bottom Line:
Even as mortgage rates edge lower, many buyers and refinancers remain cautious. Although application activity has declined week over week, strong year-over-year gains suggest underlying interest remains. Borrowers may be holding out for more significant rate drops before making a move. Learn more about finance visit Nadlan Capital Group.
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