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日的一周，美国的抵押贷款申请增长了1.9％，继前一周增长0.5％之后，继续保持上升趋势。根据抵押银行家协会（MBA）周三公布的数据，这标志着抵押贷款需求连续第三周增长。
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.
申请数量的增加与平均抵押贷款利率的下降一致，由于预期较低的通货膨胀率会降低长期国债收益率，平均抵押贷款利率降至七周低点。
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.
工商管理硕士的数据显示，在截至5月17日的一周内，贷款余额合格（766,550美元或以下）的30年期固定利率抵押贷款的平均合同利率下降了7个基点，至7.01％。这是连续第三次下降，使抵押贷款利率降至一个多月以来的最低水平。
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.
继4月份的通胀报告符合预期之后，30年期美国国债收益率是抵押贷款利率的关键指标，上周下降了8个基点至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.
对利率变化高度敏感的再融资申请在前一周增长5％的基础上激增了7％。再融资申请的显著增加弥补了购房抵押贷款申请下降的1％，这反映了住房供应有限和市场竞争激烈等持续挑战。
Chart: 30-Year Mortgage Rates Slow In Tandem With 30-Year Treasury Yields
图表：30年期抵押贷款利率与30年期国债收益率同步放缓
Mortgage-Linked Stocks On The Rise
抵押贷款挂钩股票上涨
The uptick in mortgage activity and the ease in mortgage rates have positively impacted stocks of mortgage-sensitive real estate firms in recent weeks.
最近几周，抵押贷款活动的增加和抵押贷款利率的放缓对抵押贷款敏感的房地产公司的股票产生了积极影响。
The iShares Mortgage Real Estate ETF (NYSE:REM) is currently experiencing a five-week winning streak, its longest since January 2023.
iShares抵押贷款房地产ETF（纽约证券交易所代码：REM）目前正在经历五周的连涨纪录，这是自2023年1月以来的最长涨幅。
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%.
过去一个月表现最好的抵押贷款房地产投资信托基金（REIT）包括TPG RE Finance Trust, Inc.（纽约证券交易所代码：TRTX）、红木信托公司（纽约证券交易所代码：RWT）、景顺抵押贷款资本公司（纽约证券交易所代码：IVR）和Arbor Realty Trust, Inc.（纽约证券交易所代码：ABR），涨幅从12％到16％不等。
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Image generated using artificial intelligence via Midjourney.
通过 Midjourney 使用人工智能生成的图像。