<p>来自 MBA 的消息：最新 MBA 周度调查显示抵押贷款申请减少 根据抵押贷款银行家协会（MBA）截至 2025 年 5 月 30 日的一周的周度抵押贷款申请调查数据，抵押贷款申请减少了 3.9%。本周的结果包括对阵亡将士纪念日假期的调整。市场综合指数，作为抵押贷款申请量的衡量标准，经过季节性调整后较前一周下降了 3.9%。在未调整的基础上，该指数较前一周下降了 15%。再融资指数较前一周下降了 4%，比去年同周高出 42%。经过季节性调整的购房指数较前一周下降了 4%。未调整的购房指数较前一周下降了 15%，比去年同周高出 18%。MBA 副总裁兼副首席经济学家 Joel Kan 表示：“上周大多数抵押贷款利率有所下降，30 年期固定利率降至 6.92%，自 4 月以来一直保持在 6.8% 到 7% 之间。” “抵押贷款申请在一周内减少，但仍显示出年度增长，购房申请比去年同期高出 18%。政府购房申请在一周内变化不大，主要是由于 FHA 购房申请略有增加。再融资活动在常规和政府部门均有所下降，整体平均再融资贷款金额为 2024 年 7 月以来的最低水平，因为潜在借款人希望等待更大的利率下降。”... 30 年期固定利率抵押贷款的平均合同利率（符合贷款余额标准的贷款，$806,500 或更少）从 6.98% 降至 6.92%，点数从 0.67 降至 0.66（包括发起费用），适用于 80% 的贷款价值比（LTV）贷款。强调部分 p 第一张图显示了 MBA 的购房指数。根据 MBA 的数据，购房活动在未调整的基础上同比增长了 18%。红色为四周平均（蓝色为每周数据）。购房申请活动仍然低迷，但高于 2023 年 10 月的低点，并且比房地产崩溃期间的最低水平高出 3%。第二张图显示了自 1990 年以来的再融资指数。再融资指数下降并保持在非常低的水平。</p>

AOMR

<p>根据 MBA 的每周调查，截止到 2025 年 5 月 30 日的一周，抵押贷款申请下降了 3.9%。市场综合指数季节性调整后下降了 3.9%，未调整则下降了 15%。再融资指数下降了 4%，尽管仍比去年高出 42%。购房指数也下降了 4%，但同比仍高出 18%。30 年期固定抵押贷款的平均利率降至 6.92%。尽管有所下降，购房申请显示出年度增长，表明市场韧性强</p>

<p>by From the MBA: Mortgage Applications Decrease in Latest MBA Weekly Survey Mortgage applications decreased 3.9 percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending May 30, 2025. This week’s results included an adjustment for the Memorial Day holiday. The Market Composite Index, a measure of mortgage loan application volume, decreased 3.9 percent on a seasonally adjusted basis from one week earlier. On an unadjusted basis, the Index decreased 15 percent compared with the previous week. The Refinance Index decreased 4 percent from the previous week and was 42 percent higher than the same week one year ago. The seasonally adjusted Purchase Index decreased 4 percent from one week earlier. The unadjusted Purchase Index decreased 15 percent compared with the previous week and was 18 percent higher than the same week one year ago. “Most mortgage rates moved lower last week, with the 30-year fixed rate declining to 6.92 percent and staying in the 6.8 to 7 percent range since April,” said Joel Kan, MBA’s Vice President and Deputy Chief Economist. “Mortgage applications decreased over the week, but continue to exhibit annual gains, with purchase applications running 18 percent ahead of last year’s place. Government purchase applications were little changed over the week driven by a slight increase in FHA purchase applications. Refinance activity fell across both conventional and government segment and the overall average refinance loan size was the smallest since July 2024, as potential borrowers hold out for larger rate drops.” ... The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($806,500 or less) decreased to 6.92 percent from 6.98 percent, with points decreasing to 0.66 from 0.67 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. emphasis added p The first graph shows the MBA mortgage purchase index. According to the MBA, purchase activity is up 18% year-over-year unadjusted. Red is a four-week average (blue is weekly). Purchase application activity is still depressed, but above the lows of October 2023 and is 3% above the lowest levels during the housing bust. The second graph shows the refinance index since 1990. The refinance index decreased and remained very low.</p>
<div class="lb-trans"><p>来自 MBA 的消息：最新 MBA 周度调查显示抵押贷款申请减少 根据抵押贷款银行家协会（MBA）截至 2025 年 5 月 30 日的一周的周度抵押贷款申请调查数据，抵押贷款申请减少了 3.9%。本周的结果包括对阵亡将士纪念日假期的调整。市场综合指数，作为抵押贷款申请量的衡量标准，经过季节性调整后较前一周下降了 3.9%。在未调整的基础上，该指数较前一周下降了 15%。再融资指数较前一周下降了 4%，比去年同周高出 42%。经过季节性调整的购房指数较前一周下降了 4%。未调整的购房指数较前一周下降了 15%，比去年同周高出 18%。MBA 副总裁兼副首席经济学家 Joel Kan 表示：“上周大多数抵押贷款利率有所下降，30 年期固定利率降至 6.92%，自 4 月以来一直保持在 6.8% 到 7% 之间。” “抵押贷款申请在一周内减少，但仍显示出年度增长，购房申请比去年同期高出 18%。政府购房申请在一周内变化不大，主要是由于 FHA 购房申请略有增加。再融资活动在常规和政府部门均有所下降，整体平均再融资贷款金额为 2024 年 7 月以来的最低水平，因为潜在借款人希望等待更大的利率下降。”... 30 年期固定利率抵押贷款的平均合同利率（符合贷款余额标准的贷款，$806,500 或更少）从 6.98% 降至 6.92%，点数从 0.67 降至 0.66（包括发起费用），适用于 80% 的贷款价值比（LTV）贷款。强调部分 p 第一张图显示了 MBA 的购房指数。根据 MBA 的数据，购房活动在未调整的基础上同比增长了 18%。红色为四周平均（蓝色为每周数据）。购房申请活动仍然低迷，但高于 2023 年 10 月的低点，并且比房地产崩溃期间的最低水平高出 3%。第二张图显示了自 1990 年以来的再融资指数。再融资指数下降并保持在非常低的水平。</p>
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MBA：最新 MBA 每周调查显示抵押贷款申请数量减少