Mortgage Applications Fall As Rates Climb Back Above 7%
Mortgage Applications Fall As Rates Climb Back Above 7%
Mortgage applications have slowed as the average interest rate for 30-year mortgages has gone back above 7%.
抵押贷款申请已减缓，因为30年期抵押贷款的平均利率已回升至7%以上。
Loan requests declined 2.6% on a seasonally adjusted basis as of June 28 from a week earlier, according to data from the Mortgage Bankers Association's Weekly Applications Survey.
根据抵押银行家协会的每周申请调查数据，截至6月28日，季节性调整后的贷款申请从上周下降了2.6%。
The average contract interest rate for 30-year fixed-rate mortgages with loan balances below $766,550 or less rose to 7.03% from 6.93%. The same interest rate for 15-year fixed-rate mortgages increased to 6.56% from 6.46%.
贷款余额低于$766,550的30年期固定利率抵押贷款平均合同利率从6.93%上升至7.03%。15年期固定利率抵押贷款的同样利率从6.46%上升至6.56%。
"Mortgage rates moved higher last week, crossing the 7 percent mark, even as the latest inflation data has kept market expectations alive for a rate cut from the Fed later this year," Chief Economist Mike Fratantoni said in a statement.
首席经济学家迈克·弗拉坦托尼在一份声明中表示：“抵押贷款利率上周上升至7%以上，即使最新的通胀数据保持在市场对美联储今年晚些时候降息的预期中。”
"Purchase applications decreased the final full week of June, even as both new and existing inventories have increased over the past few months."
即使最近几个月新房和二手房库存均有所增加，“6月末的购房申请仍有所下降。”
Also Read: Mortgage Rates Fall For Third Straight Week With Signs Of Lower Inflation, Fed Rates
此外：随着通胀迹象的减少和美联储利率下降的迹象，抵押贷款利率连续第三周下降。
The Federal Reserve has kept its key interest rate between 5.25% and 5.50% as it aims to push a 3.4% rate of inflation to 2%, but it does plan on cutting the rate once later this year.
美联储保持其主要利率在5.25%至5.50%之间，旨在将3.4%的通胀率推高到2%，但它确实计划在今年晚些时候降息。
Data released by Freddie Mac on Wedensday showed the 30-year fixed-rate mortgage averaged 6.95%, up from 6.86% the previous week and 6.81% a year ago. The 15-year FRM averaged 6.25%, rising from 6.16% last week and slightly higher than the 6.24% average a year earlier.
弗雷迪·麦克公司周三发布的数据显示，30年期固定利率抵押贷款平均值为6.95%，比上周的6.86%，去年同期的6.81%上升。15年期固定利率抵押贷款平均值为6.25%，比上周的6.16%上升，略高于去年同期的6.24%。
Price Action: Mortgage lender stocks trended downward in Wednesday's mid-morning trading. JPMorgan Chase & Co. (NYSE:JPM) slipped 0.40% to $208.00, while Bank of America Corporation (NYSE:BAC) declined 0.28% to $40.81 and Wells Fargo & Company fell 0.98% to $60.37.
在周三上午的交易中，抵押贷款放贷人的股票趋势下降。摩根大通公司（NYSE：JPM）下跌0.40%，至208.00美元，而美国银行公司（NYSE：BAC）下跌0.28%，至40.81美元，富国银行与公司下跌0.98%，至60.37美元。
Mortgage-backed security exchange-traded funds picked up ground by mid-morning. The iShares MBS ETF (NASDAQ:MBB) and the Vanguard Mortgage-Backed Securities ETF (NASDAQ:VMBS) both rose 0.58%, while the SPDR Bloomberg Barclays Mortgage Backed Bond ETF (NYSE:MBG) moved up 0.11%.
抵押支持证券交易所交易基金在上午中期出现上涨。iShares MBS ETF（NASDAQ：MBB）和Vanguard 抵押贷款证券ETF（NASDAQ：VMBS）均上涨0.58%，而SPDR Bloomberg Barclays抵押支持债券ETF（NYSE：MBG）上涨0.11%。
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