房贷申请量回升3.4%：30年期利率降至7.37%，可调利率贷款占比升至11.3%创一年多新高
美国房贷银行家协会（MBA）10月28日发布的每周房贷申请调查显示，截至10月23日一周，全美房贷申请量较前一周增加3.4%（经季节调整），未经调整的增幅为3%。
分项看，再融资指数环比增加3%，但仍比去年同期低61%；经季节调整的购房指数环比增加4%，未经调整同比则低18%。再融资占全部申请的比重由39.0%微降至38.9%。
利率方面，符合贷款限额（832,750美元或以下）的30年期固定利率房贷平均合同利率由7.41%降至7.37%，为三周来最低，点数由0.75升至0.76；大额贷款30年期利率由7.33%降至7.28%，联邦住房管理局（FHA）担保的30年期利率由7.13%降至7.12%，15年期固定利率由6.73%降至6.70%，5/1可调利率由6.46%降至6.41%。
MBA副总裁兼副首席经济学家乔尔·坎（Joel Kan）表示，房贷利率连续第二周下降，给借款人带来一些喘息，申请量尤其是常规贷款申请有所回升；但利率仍比去年同期高出一个多百分点以上，多数房主现持利率远低于市场水平，再融资同比仍低逾60%。
值得注意的是，可调利率贷款（ARM）占申请的比重升至11.3%，为一年多来最高；MBA称，更多借款人选择可调利率贷款以降低月供。FHA贷款占比由16.3%升至16.6%，退伍军人事务部（VA）贷款占比由11.5%降至11.0%。该调查自1990年起每周进行，覆盖通过零售与消费者直营渠道发起的封闭式住宅房贷申请。
Mortgage Applications Rise 3.4 Percent as the 30-Year Rate Falls to 7.37 Percent and the ARM Share Hits 11.3 Percent
Mortgage applications increased 3.4 percent from one week earlier on a seasonally adjusted basis in the week ending October 23, 2026, according to the Mortgage Bankers Association (MBA) Weekly Mortgage Applications Survey released on October 28. The unadjusted index rose 3 percent.
The Refinance Index increased 3 percent from the previous week but was 61 percent lower than the same week a year ago. The seasonally adjusted Purchase Index increased 4 percent, while the unadjusted Purchase Index was 18 percent lower than a year earlier. The refinance share of applications eased to 38.9 percent from 39.0 percent.
The average contract rate for 30-year fixed-rate mortgages with conforming loan balances ($832,750 or less) decreased to 7.37 percent from 7.41 percent, the lowest in three weeks, with points rising to 0.76 from 0.75. The jumbo 30-year rate fell to 7.28 percent from 7.33 percent, the FHA-backed 30-year rate to 7.12 percent from 7.13 percent, the 15-year fixed rate to 6.70 percent from 6.73 percent, and the 5/1 ARM rate to 6.41 percent from 6.46 percent.
Joel Kan, MBA's Vice President and Deputy Chief Economist, said rates declined for a second straight week and gave borrowers some relief, with applications rebounding particularly among conventional loans, but that rates remain more than a percentage point above a year ago and most homeowners still hold rates well below prevailing levels, leaving refinance activity down more than 60 percent year over year.
The adjustable-rate mortgage (ARM) share of applications rose to 11.3 percent, the highest level in more than a year, as more borrowers turned to ARMs to lower monthly payments. The FHA share rose to 16.6 percent from 16.3 percent, and the VA share fell to 11.0 percent from 11.5 percent. The survey, conducted weekly since 1990, covers closed-end residential applications originated through retail and consumer direct channels.
MBA Weekly Mortgage Applications Survey release
来源：GSM·美国（原文链接）
图片来源：宾夕法尼亚州莱维顿郊区住宅区航拍（历史黑白资料图）。公共领域，经 Wikimedia Commons。 / Aerial view of the Levittown, Pennsylvania suburban development (archival black-and-white photo). Public domain, via Wikimedia Commons.
