MBA周报：房贷申请连续第七周下滑、降幅5.3% 30年期利率两个多月来首次回落至7.41%
美国抵押贷款银行家协会（Mortgage Bankers Association，MBA）10月21日在华盛顿发布每周房贷申请调查：截至10月16日的一周，全美房贷申请量较前一周下降5.3%（经季节调整），为连续第七周下滑；未经调整的指数较前一周下降5%。
分项看，再融资指数较前一周下降2%，较去年同期低59%；购房指数经季节调整下降7%，未经调整的购房指数较前一周下降7%、较去年同期低18%。再融资占全部申请的比重升至39.0%，前一周为37.7%；可调利率房贷（ARM）占比持平于10.5%。联邦住房管理局（FHA）担保贷款占比由16.4%降至16.3%，退伍军人事务部（VA）担保贷款占比由11.9%降至11.5%，农业部（USDA）担保贷款占比由0.6%降至0.5%。
利率方面，30年期固定利率房贷（符合限额贷款，余额83.275万美元及以下）平均合同利率由7.50%降至7.41%，为两个多月来首次下降；大额贷款30年期利率由7.49%降至7.33%，FHA 30年期利率由7.19%降至7.13%，15年期固定利率由6.87%降至6.73%，5/1可调利率由6.54%降至6.46%。
MBA副总裁兼副首席经济学家Joel Kan表示，房贷利率两个多月来首次下降、30年期固定利率降至7.41%，但降幅不足以提振申请活动，购房与再融资申请双双继续下滑；购房申请较去年同期落后18%，高利率正把买家挤出市场。他说，ARM利率比30年期固定利率低近一个百分点，为符合条件的借款人提供了利率较低的购房选项，并表示高利率环境已明显给今秋楼市降温。
MBA这项调查自1990年起每周进行，覆盖通过零售与消费者直销渠道受理的美国封闭式住房抵押贷款申请，受访机构包括抵押贷款银行、商业银行、储蓄机构与信用合作社。
MBA Weekly Survey: Mortgage Applications Fall 5.3% for a Seventh Straight Week as 30-Year Rate Eases to 7.41%
The Mortgage Bankers Association (MBA) released its Weekly Mortgage Applications Survey in Washington on October 21: for the week ending October 16, 2026, mortgage applications decreased 5.3 percent from one week earlier on a seasonally adjusted basis, a seventh straight weekly decline. On an unadjusted basis, the Market Composite Index decreased 5 percent compared with the previous week.
The Refinance Index decreased 2 percent from the previous week and was 59 percent lower than the same week one year ago. The seasonally adjusted Purchase Index decreased 7 percent from one week earlier, and the unadjusted Purchase Index was 18 percent lower than the same week one year ago. The refinance share of mortgage activity increased to 39.0 percent of total applications from 37.7 percent the previous week, while the adjustable-rate mortgage (ARM) share remained unchanged at 10.5 percent. The FHA share decreased to 16.3 percent from 16.4 percent, the VA share to 11.5 percent from 11.9 percent, and the USDA share to 0.5 percent from 0.6 percent.
On rates, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($832,750 or less) decreased to 7.41 percent from 7.50 percent, its first decline in over two months. The jumbo 30-year rate fell to 7.33 percent from 7.49 percent, the FHA 30-year rate to 7.13 percent from 7.19 percent, the 15-year fixed rate to 6.73 percent from 6.87 percent, and the 5/1 ARM rate to 6.46 percent from 6.54 percent.
Joel Kan, MBA's Vice President and Deputy Chief Economist, said mortgage rates decreased for the first time in over two months, with the 30-year fixed rate dropping to 7.41 percent, but lower rates were not enough to boost application activity as both purchase and refinance applications continued to decline. Purchase applications fell 18 percent behind last year's pace, he said, as higher rates are pricing buyers out of the market; ARM rates remained almost a full percentage point lower than the 30-year fixed rate, giving qualified borrowers a lower-rate option. He added that the higher mortgage rate environment has clearly cooled the housing market this fall.
The MBA survey, conducted weekly since 1990, covers U.S. closed-end residential mortgage applications originated through retail and consumer direct channels, with respondents including mortgage bankers, commercial banks, thrifts and credit unions.
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图片来源：美国田纳西州Bean Station住宅区航拍（资料图）· Nathan Metcalf 摄，CC BY-SA 4.0（维基共享资源）
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