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%.
抵押貸款申請已減緩，因爲30年期抵押貸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.
根據抵押銀行家協會的每週申請調查數據，截至6月28日，季節性調整後的貸款申請從上週下降了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%.
貸款餘額低於$766,550的30年期固定利率抵押貸款平均合同利率從6.93%上升至7.03%。15年期固定利率抵押貸款的同樣利率從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.
首席經濟學家邁克·弗拉坦託尼在一份聲明中表示：“抵押貸款利率上週上升至7%以上，即使最新的通脹數據保持在市場對聯儲局今年晚些時候降息的預期中。”
"Purchase applications decreased the final full week of June, even as both new and existing inventories have increased over the past few months."
即使最近幾個月新房和二手房庫存均有所增加，“6月末的購房申請仍有所下降。”
Also Read: Mortgage Rates Fall For Third Straight Week With Signs Of Lower Inflation, Fed Rates
此外：隨着通脹跡象的減少和聯儲局利率下降的跡象，抵押貸款利率連續第三週下降。
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.
聯儲局保持其主要利率在5.25%至5.50%之間，旨在將3.4%的通脹率推高到2%，但它確實計劃在今年晚些時候降息。
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·麥克公司週三發佈的數據顯示，30年期固定利率抵押貸款平均值爲6.95%，比上週的6.86%，去年同期的6.81%上升。15年期固定利率抵押貸款平均值爲6.25%，比上週的6.16%上升，略高於去年同期的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.
在週三上午的交易中，抵押貸款放貸人的股票趨勢下降。摩根大通公司（NYSE：JPM）下跌0.40%，至208.00美元，而美國銀行公司（NYSE：BAC）下跌0.28%，至40.81美元，富國銀行與公司下跌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%.
抵押支持證券交易所交易基金在上午中期出現上漲。iShares MBS ETF（NASDAQ：MBB）和Vanguard 抵押貸款證券ETF（NASDAQ：VMBS）均上漲0.58%，而SPDR Bloomberg Barclays抵押支持債券ETF（NYSE：MBG）上漲0.11%。
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