MBA周报：房贷申请再降1.2%，30年期利率降至7.30%为9月以来最低
美国抵押贷款银行家协会（MBA）11月4日发布每周房贷申请调查：截至10月30日的一周，全美房贷申请量较前一周下降1.2%（经季节调整），未调整口径下降2%。这是利率连降三周背景下申请量的再度回落。购屋申请经季节调整下降2%，未调整下降4%，较去年同期低19%；再融资申请仅微增0.1%，较去年同期低60%。
利率方面，30年期固定利率合规贷款（余额83.275万美元及以下）平均合约利率由7.37%降至7.30%，为2026年9月以来最低，点数由0.76降至0.75；大额贷款30年期利率由7.28%降至7.20%；联邦住房管理局（FHA）担保的30年期贷款利率由7.12%降至7.02%；5/1可调利率贷款（ARM）由6.41%降至6.29%；15年期固定利率则由6.70%升至6.76%。
再融资占全部申请的比重由38.9%升至39.8%；可调利率贷款占比升至11.4%，为2025年9月以来最高。FHA 申请占比由16.6%降至16.0%，退伍军人事务部（VA）贷款占比由11.0%升至11.2%，农业部（USDA）贷款占比由0.5%升至0.6%。
MBA 高级副总裁兼首席经济学家 Mike Fratantoni 表示：「在美联储10月会议决定不再进一步加息之后，上周房贷利率漂移至2026年9月以来的最低水平。尽管30年期利率降到了7.3%，市场活动仍然相当缓慢，购屋申请量本周下降，再融资量基本持平、处于很低的水平。正如我们近几周反复指出的，在当前环境下，更多借款人选择可调利率贷款来压低初期月供，ARM 占比已升至2025年9月以来的最高点。」
该调查自1990年起每周进行，覆盖全美通过零售与消费者直销渠道受理的封闭式住宅房贷申请，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，指数基期为1990年3月16日等于100。
（来源：美国抵押贷款银行家协会）
Mortgage Applications Fall 1.2% as 30-Year Rate Drops to 7.30%, Lowest Since September: MBA
Mortgage applications in the United States decreased 1.2 percent from one week earlier, according to the Mortgage Bankers Association's (MBA) Weekly Mortgage Applications Survey for the week ending October 30, 2026, released on November 4. On an unadjusted basis, the Market Composite Index decreased 2 percent. The seasonally adjusted Purchase Index decreased 2 percent from one week earlier, with the unadjusted index down 4 percent and 19 percent lower than the same week one year ago. The Refinance Index increased just 0.1 percent and was 60 percent lower than a year ago.
On rates, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($832,750 or less) decreased to 7.30 percent from 7.37 percent, its lowest level since September 2026, with points decreasing to 0.75 from 0.76. The rate for 30-year fixed-rate mortgages with jumbo loan balances fell to 7.20 percent from 7.28 percent. The FHA-backed 30-year rate decreased to 7.02 percent from 7.12 percent, and the 5/1 ARM rate fell to 6.29 percent from 6.41 percent. The 15-year fixed rate rose to 6.76 percent from 6.70 percent.
The refinance share of mortgage activity increased to 39.8 percent of total applications from 38.9 percent. The adjustable-rate mortgage (ARM) share rose to 11.4 percent, its highest level since September 2025. The FHA share decreased to 16.0 percent from 16.6 percent, the VA share increased to 11.2 percent from 11.0 percent, and the USDA share rose to 0.6 percent from 0.5 percent.
"Mortgage rates drifted down to their lowest level since September 2026 last week in the wake of the Federal Reserve's decision to hold on additional rate hikes at its October meeting," said Mike Fratantoni, MBA's SVP and Chief Economist. "While the 30-year rate declined to 7.3 percent, activity is still quite slow, with purchase application volume down for the week and refinance volume effectively flat at a very low level. As we have highlighted in recent weeks, more borrowers are choosing ARMs in this environment to lower their initial payments, with the ARM share at its highest level since September 2025."
The survey, conducted weekly since 1990, covers U.S. closed-end residential mortgage applications originated through retail and consumer direct channels. Respondents include mortgage bankers, commercial banks, thrifts, and credit unions, with a base period of March 16, 1990 = 100.
(Source: Mortgage Bankers Association)
来源：美国抵押贷款银行家协会
发布：GSM·美国（发布链接）
图片来源：图：内华达州 Las Vegas 郊区住宅区航拍（资料图）。Marek Ślusarczyk（Tupungato）摄，CC BY 3.0，经 Wikimedia Commons。 / Photo: Aerial view of suburban homes in Las Vegas, Nevada, file photo. By Marek Ślusarczyk (Tupungato), CC BY 3.0, via Wikimedia Commons.
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