Mortgage Applications Climb For Third Week As 30-Year Interest Rates Drop
Mortgage Applications Climb For Third Week As 30-Year Interest Rates Drop
Mortgage applications in the U.S. saw an increase of 1.9% for the week ending May 17, continuing an upward trend following a 0.5% rise the previous week. This marks the third consecutive week of growth in mortgage demand, according to data released Wednesday from the Mortgage Bankers Association (MBA).
截至5月17日的一週，美國的抵押貸款申請增長了1.9％，繼前一週增長0.5％之後，繼續保持上升趨勢。根據抵押銀行家協會（MBA）週三公佈的數據，這標誌着抵押貸款需求連續第三週增長。
The rise in applications aligns with a decrease in average mortgage rates, which reached a seven-week low due to expectations of lower inflation reducing long-dated Treasury yields.
申請數量的增加與平均抵押貸款利率的下降一致，由於預期較低的通貨膨脹率會降低長期國債收益率，平均抵押貸款利率降至七週低點。
The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($766,550 or less) decreased by 7 basis points to 7.01% during the week ending May 17, MBA data indicated. This decline, the third in a row, brought mortgage rates to their lowest level in over a month.
工商管理碩士的數據顯示，在截至5月17日的一週內，貸款餘額合格（766,550美元或以下）的30年期固定利率抵押貸款的平均合同利率下降了7個點子，至7.01％。這是連續第三次下降，使抵押貸款利率降至一個多月以來的最低水平。
The yield on a 30-year Treasury bond, a critical indicator for mortgage rates, dropped by 8 basis points to 4.55% last week, following an inflation report for April that met expectations.
繼4月份的通脹報告符合預期之後，30年期美國國債收益率是抵押貸款利率的關鍵指標，上週下降了8個點子至4.55％。
Refinancing applications, which are highly sensitive to changes in interest rates, surged by 7%, building on a 5% increase the previous week. This significant rise in refinancing applications compensated for a 1% decline in mortgage applications for home purchases, reflecting ongoing challenges such as limited housing supply and intense market competition.
對利率變化高度敏感的再融資申請在前一週增長5％的基礎上激增了7％。再融資申請的顯著增加彌補了購房抵押貸款申請下降的1％，這反映了住房供應有限和市場競爭激烈等持續挑戰。
Chart: 30-Year Mortgage Rates Slow In Tandem With 30-Year Treasury Yields
圖表：30年期抵押貸款利率與30年期國債收益率同步放緩
Mortgage-Linked Stocks On The Rise
抵押貸款掛鉤股票上漲
The uptick in mortgage activity and the ease in mortgage rates have positively impacted stocks of mortgage-sensitive real estate firms in recent weeks.
最近幾周，抵押貸款活動的增加和抵押貸款利率的放緩對抵押貸款敏感的房地產公司的股票產生了積極影響。
The iShares Mortgage Real Estate ETF (NYSE:REM) is currently experiencing a five-week winning streak, its longest since January 2023.
iShares抵押貸款房地產ETF（紐約證券交易所代碼：REM）目前正在經歷五週的連漲紀錄，這是自2023年1月以來的最長漲幅。
Among the top-performing mortgage Real Estate Investment Trusts (REITs) over the past month are TPG RE Finance Trust, Inc. (NYSE:TRTX), Redwood Trust, Inc. (NYSE:RWT), Invesco Mortgage Capital Inc. (NYSE:IVR), and Arbor Realty Trust, Inc. (NYSE:ABR), with gains ranging from 12% to 16%.
過去一個月表現最好的抵押貸款房地產投資信託基金（REIT）包括TPG RE Finance Trust, Inc.（紐約證券交易所代碼：TRTX）、紅木信託公司（紐約證券交易所代碼：RWT）、景順抵押貸款資本公司（紐約證券交易所代碼：IVR）和Arbor Realty Trust, Inc.（紐約證券交易所代碼：ABR），漲幅從12％到16％不等。
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Image generated using artificial intelligence via Midjourney.
通過 Midjourney 使用人工智能生成的圖像。
譯文內容由第三人軟體翻譯。