{"id":63561,"date":"2026-07-15T13:35:47","date_gmt":"2026-07-15T11:35:47","guid":{"rendered":"https:\/\/housesmarketplace.com\/mortgage-demand-in-u-s-slips-as-borrowing-costs-climb-to-yearly-high\/"},"modified":"2026-07-15T13:35:47","modified_gmt":"2026-07-15T11:35:47","slug":"mortgage-demand-in-u-s-slips-as-borrowing-costs-climb-to-yearly-high","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/mortgage-demand-in-u-s-slips-as-borrowing-costs-climb-to-yearly-high\/","title":{"rendered":"Mortgage Demand in U.S. Slips as Borrowing Costs Climb to Yearly High"},"content":{"rendered":"

U.S. mortgage demand retreated last week as borrowing costs climbed to their highest level in almost a year, underscoring the continuing affordability pressures confronting prospective homebuyers during the peak summer selling season.<\/p>\n

Total mortgage application volume fell 2.7% in the week ended July 10, 2026 from the prior week, according to data released Wednesday by the Mortgage Bankers Association (MBA). The decline followed a holiday-adjusted reporting period surrounding the July 4 weekend and reflected a sharp slowdown in home purchase activity.<\/p>\n

The average interest rate on a standard 30-year fixed-rate mortgage increased to 6.65%, marking its highest reading since August 2025. Higher financing costs weighed heavily on purchase applications, which dropped 7% on a seasonally adjusted basis and slipped below year-ago levels, suggesting elevated mortgage rates continue to limit buyer demand despite a modest increase in available housing inventory.<\/p>\n

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“Affordability remains the defining challenge in today’s housing market,” said Joel Kan, the MBA’s Vice President and Deputy Chief Economist. He noted that purchase activity weakened immediately following the Independence Day holiday while higher mortgage rates discouraged many prospective buyers from entering the market.<\/p>\n

Refinancing, however, bucked the broader trend. Applications to refinance existing mortgages rose 4% from the previous week and were 7% above the same period a year earlier. Government-backed lending drove much of the increase, with refinancing activity through FHA and VA programs posting particularly strong gains as some homeowners continued to seek opportunities to improve loan terms despite higher overall rates.<\/p>\n

The share of refinancing in overall mortgage activity expanded to 43.2%, up from 40.6% a week earlier, highlighting how refinancing has become a larger component of mortgage demand as purchase transactions remain subdued. Applications backed by the Federal Housing Administration also accounted for a larger share of total lending activity, while adjustable-rate mortgages represented just over 7% of applications.<\/p>\n

Borrowing costs increased across most major loan categories. Rates for jumbo mortgages and 15-year fixed loans also moved higher during the week, while adjustable-rate mortgages offered one of the few bright spots, with average rates edging lower.<\/p>\n

Housing economists continue to expect mortgage demand to remain sensitive to interest-rate movements in the coming months. While inflation has moderated from its peak, long-term Treasury yields–and, by extension, mortgage rates–have remained elevated, limiting affordability for first-time buyers and reducing turnover among existing homeowners who remain reluctant to give up lower-rate mortgages secured in prior years.<\/p>\n

Unless financing costs retreat meaningfully, analysts say housing activity is likely to remain constrained through the remainder of the summer selling season.<\/p>","protected":false},"excerpt":{"rendered":"

U.S. mortgage demand retreated last week as borrowing costs climbed to their highest level in almost a year, underscoring the continuing affordability pressures confronting prospective homebuyers during the peak summer selling season. 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