MBA周报：美国抵押贷款申请量连跌六周降5.3%，30年期利率两个月来首降至7.41%
美国抵押贷款银行家协会（MBA）10月21日公布的每周抵押贷款申请调查显示，截至2026年10月16日的一周，美国抵押贷款申请量经季节调整环比下降5.3%，为连续第六周下滑；未经调整的指数下降5%。值得注意的是，30年期固定抵押贷款平均合约利率两个多月来首次下降、从7.50%回落至7.41%，但更低的利率仍未能提振申请活动，购房与再融资申请双双走低。
细分数据显示，购房指数经季节调整环比下降7%，未经调整口径同比下降18%；再融资指数环比下降2%，同比大幅下降59%。由于购房申请跌得更快，再融资在全部申请中的占比反而从37.7%升至39.0%。各贷款品种的平均合约利率普遍回落：30年期巨额贷款（jumbo）利率从7.49%降至7.33%，30年期FHA贷款从7.19%降至7.13%，15年期固定利率从6.87%降至6.73%，5/1可调利率抵押贷款从6.54%降至6.46%。可调利率贷款（ARM）占全部申请的比例持平于10.5%，FHA贷款占比16.3%，退伍军人事务部（VA）贷款占比11.5%，农业部（USDA）贷款占比0.5%。
MBA副总裁兼副首席经济学家乔尔·坎（Joel Kan）表示：「抵押贷款利率两个多月来首次下降，30年期固定利率降至7.41%。然而，较低的利率不足以提振申请活动，购房和再融资申请继续下降。购房申请已落后去年同期18%，因为较高的利率正在把买家挤出市场。」他补充说，可调利率贷款的利率比30年期固定利率低了近一个百分点，为符合条件的借款人提供了成本较低的选择，并直言：「很明显，较高的抵押贷款利率环境已经让今秋的住房市场降温。」
Mortgage Applications Fall 5.3% for a Sixth Straight Week as the 30-Year Rate Eases to 7.41%, MBA Says
Mortgage applications in the United States decreased 5.3 percent on a seasonally adjusted basis in the week ending October 16, 2026, the sixth consecutive weekly decline, according to the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey released on October 21. The unadjusted index fell 5 percent. Notably, the average contract rate for 30-year fixed mortgages decreased for the first time in over two months, easing from 7.50 percent to 7.41 percent, yet the lower rate was not enough to lift application activity, as both purchase and refinance applications declined.
The seasonally adjusted Purchase Index fell 7 percent from the previous week and was 18 percent below the same week a year ago on an unadjusted basis. The Refinance Index decreased 2 percent for the week and was 59 percent lower than a year ago, although, because purchases fell faster, the refinance share of total activity rose to 39.0 percent from 37.7 percent. Average contract rates moved down across loan types: 30-year jumbo loans eased from 7.49 percent to 7.33 percent, 30-year FHA loans from 7.19 percent to 7.13 percent, 15-year fixed loans from 6.87 percent to 6.73 percent, and 5/1 adjustable-rate mortgages from 6.54 percent to 6.46 percent. The ARM share of activity held at 10.5 percent, while FHA loans made up 16.3 percent of applications, VA loans 11.5 percent, and USDA loans 0.5 percent.
"Mortgage rates decreased for the first time in over two months, with the 30-year fixed rate dropping to 7.41 percent. However, lower rates were not enough to boost application activity, as both purchase and refinance applications continued to decline," said Joel Kan, MBA's vice president and deputy chief economist. "Purchase applications fell 18 percent behind last year's pace, as higher rates are pricing buyers out of the market." Kan added that ARM rates remained almost a full percentage point below the 30-year fixed rate, and concluded: "It is very clear that the higher mortgage rate environment has cooled the housing market this fall."
来源：GSM·美国（原文链接）
图片来源：图：马里兰州一处郊区住宅区航拍（美国国会图书馆历史建筑调查藏品，Jack E. Boucher 摄，公共领域） / Photo: Aerial view of a Maryland suburban neighborhood (Library of Congress, Historic American Buildings Survey, by Jack E. Boucher, public domain)
