MBA建筑商调查：9月新房购买贷款申请同比降8.3% 估算新房销售年率58.4万套为2020年4月以来最弱
华盛顿——美国抵押贷款银行家协会（MBA）10月15日在华盛顿发布建筑商申请调查（BAS）9月数据：全美新房购买抵押贷款申请较去年同期下降8.3%，较8月下降8%；该组数据未作季节性调整。这是与MBA每周抵押贷款申请调查不同的一份月度调查，专门追踪全国各地住宅建筑商旗下抵押贷款子公司的申请量。
MBA据此估算，9月新建独栋住宅销售按经季节性调整的年率计算为58.4万套，较8月的66.4万套下降12%；未调整口径下，9月新房销售约4.7万套，较8月的5.2万套下降9.6%。MBA副总裁兼副首席经济学家乔尔·坎（Joel Kan）表示，58.4万套是2020年4月以来最弱的销售速度；他指出，9月抵押贷款利率上行对新房购买活动产生抑制作用，申请量与新房销售双双回落、进一步落后于去年同期，利率升高对首次购房者购买决策的影响更大。
从贷款结构看，9月新房贷款申请中，常规贷款占50.2%，联邦住房管理局（FHA）贷款占34.7%，退伍军人事务部（VA）贷款占14.1%，农村住房服务／农业部（RHS/USDA）贷款占1.0%；FHA占比下降。新房平均贷款金额由8月的373,194美元升至9月的374,724美元。
MBA表示，建筑商申请调查汇集建筑商抵押贷款子公司的申请数据，协会结合其他来源对全国、各州与都市区的新房销售量作出早期估算，该估算一直是美国人口普查局《新建住宅销售》报告的领先指标；人口普查局的官方数据以销售合同签署时点记录新房销售，该时点通常与抵押贷款申请时点重合。协会总部位于华盛顿特区M街西北1919号。
New Home Purchase Applications Fall 8.3% in September; MBA Estimates Sales Pace Weakest Since April 2020
Washington, D.C. — Mortgage applications for new home purchases decreased 8.3 percent from a year ago in September 2026, the Mortgage Bankers Association (MBA) reported on October 15 in its Builder Application Survey (BAS). Compared with August 2026, applications decreased 8 percent; the figures are not adjusted for typical seasonal patterns. The monthly BAS, distinct from MBA's weekly applications survey, tracks application volume from the mortgage subsidiaries of home builders across the country.
MBA estimated that new single-family home sales were running at a seasonally adjusted annual rate of 584,000 units in September, down 12 percent from the August pace of 664,000 units. On an unadjusted basis, MBA estimated 47,000 new home sales in September, a decrease of 9.6 percent from 52,000 in August. Joel Kan, MBA's vice president and deputy chief economist, said the 584,000-unit estimate was the weakest sales pace since April 2020. He said the increase in mortgage rates in September had a chilling effect on new home purchase activity, with both applications and sales falling further behind last year's pace, and that higher rates had a greater impact on first-time homebuyers' purchase decisions.
By product type, conventional loans composed 50.2 percent of new home loan applications, FHA loans 34.7 percent, VA loans 14.1 percent, and RHS/USDA loans 1.0 percent; the FHA share decreased from August. The average loan size for new homes increased from $373,194 in August to $374,724 in September.
MBA said the Builder Application Survey allows it to provide an early estimate of new home sales volumes at the national, state and metro levels, and that the estimate has consistently been a leading indicator of the U.S. Census Bureau's New Residential Sales report. The Census Bureau records new home sales at contract signing, which is typically coincident with the mortgage application. The association is headquartered at 1919 M Street NW in Washington, D.C.
发布：GSM·美国（发布链接）
图片来源：图：美国郊区住宅区环形路旁的联排住宅（资料图），画面不含价格或利率数字。图片来源：Carol M. Highsmith 摄，美国国会图书馆藏品（LCCN2011635725），公共领域，取自维基共享资源 / Photo: Townhouses along a suburban cul-de-sac in the United States (file photo). Carol M. Highsmith, Library of Congress (LCCN2011635725), public domain, via Wikimedia Commons
GSM Global · 本篇英文版 English edition of this story
