MBA周报：房贷申请量再跌2.7% 30年期利率升至7.50%创2023年11月以来最高
美国抵押贷款银行家协会（MBA）10月14日在华盛顿发布每周抵押贷款申请调查：截至10月9日当周，市场综合指数经季节调整环比下跌2.7%，未经调整下跌2%。其中购房指数环比下跌4%，比去年同期低16%；再融资指数微跌0.4%，同比大跌56%。
利率上行是主要背景。符合贷款限额的30年期固定利率抵押贷款平均合同利率升至7.50%，前一周为7.49%，为2023年11月以来最高，比去年同期高出一个多百分点。MBA副总裁兼副首席经济学家乔尔·坎（Joel Kan）表示，利率走高令申请量回落，借款人更多转向浮动利率贷款以压低月供：浮动利率贷款（ARM）占申请总量的10.5%，为2025年10月以来最高；上周再融资的下滑主要由FHA再融资申请减少5%带动。
从结构看，再融资占申请总量的比重升至37.7%，前一周为37.0%；FHA占比持平于16.4%，退伍军人事务部（VA）贷款占比升至11.9%，农业部（USDA）贷款占比升至0.6%。据HousingWire报道，MBA首席经济学家迈克·弗拉坦托尼（Mike Fratantoni）在协会年会上表示，通胀仍处高位、长端利率受压，预计利率在今年余下时间维持在7.3%附近，2027年仍将高于7%。
（据MBA 10月14日《每周抵押贷款申请调查》）
Mortgage Applications Fall Another 2.7% as the 30-Year Rate Reaches 7.50%, the Highest Since November 2023, MBA Says
Mortgage applications in the United States fell 2.7 percent on a seasonally adjusted basis in the week ending October 9, 2026, the Mortgage Bankers Association (MBA) reported from Washington on October 14. The unadjusted Market Composite Index was down 2 percent. The Purchase Index fell 4 percent from the week before and was 16 percent lower than a year earlier, while the Refinance Index slipped 0.4 percent on the week and was 56 percent below its year-earlier level.
Higher rates are the backdrop. The average contract rate on 30-year fixed-rate mortgages with conforming loan balances rose to 7.50 percent, from 7.49 percent the week before - its highest level since November 2023 and more than a full percentage point above a year ago. Joel Kan, MBA's vice president and deputy chief economist, said applications eased as rates moved higher, and that borrowers are leaning more on adjustable-rate loans to lower monthly payments: the ARM share climbed to 10.5 percent of applications, its highest since October 2025. The week's refinance decline was driven mainly by a 5 percent drop in FHA refinance applications, he said.
Refinances accounted for 37.7 percent of all applications, up from 37.0 percent the week before. The FHA share held at 16.4 percent, the VA share rose to 11.9 percent and the USDA share to 0.6 percent. According to HousingWire, MBA chief economist Mike Fratantoni told the association's annual conference that with inflation still high and longer-term rates under pressure, he expects rates to stay around 7.3 percent for the rest of this year and above 7 percent through 2027.
(Source: MBA Weekly Mortgage Applications Survey, released October 14)
来源：MBA 《每周抵押贷款申请调查》
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