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US MBA Purchase Index Drops to 157.5; Mortgage Rates Hit 14-Month High, Suppressing Housing Demand

2026-09-10

Core Overview: In early September 2026 (Q3 2026), the latest US MBA Purchase Index was reported at 157.5, edging down slightly from 157.8 in the previous week. Although the single-week decline was limited, compared to historical highs, the current index remains in a relatively depressed range, indicating that in a high-interest-rate environment, the willingness of US homebuyers to purchase properties continues to face strong headwinds.

Key Details: Further breaking down the mortgage market performance, the overall US mortgage application volume fell by 2.7% for the week. Among them, highly interest-rate-sensitive refinance applications plunged by 6%, hitting the lowest level since May 2025. Meanwhile, to cope with high fixed rates, an increasing number of people are turning to adjustable-rate mortgages (ARM), which saw its share of total applications climb to 8.5%.

In-depth Attribution: Joel Kan, Deputy Chief Economist at the Mortgage Bankers Association (MBA), pointed out that due to market concerns about resurging inflation and the federal budget deficit, the US 30-year fixed mortgage rate has surged to 6.85%, hitting a nearly 14-month high. Furthermore, reports from media such as Bloomberg noted that recent geopolitical tensions in the Middle East have driven up energy prices, further exacerbating inflation expectations. This has kept borrowing costs stubbornly high, directly suppressing homebuying and refinancing demand.

Outlook and Risks: In the short term (1-2 months), market focus will be concentrated on the upcoming US CPI data and the monetary policy guidance of the Federal Reserve (Fed). If inflation data exceeds expectations, mortgage rates may struggle to pull back significantly, and housing market demand will continue to face pressure. In the medium term (3-6 months), although the inventory of single-family homes on the market has slightly increased compared to the same period last year, giving potential buyers more choices, if high financing costs persist for a prolonged period and subsequently affect corporate expansion and labor market stability, the overall recovery momentum of the housing market will still face significant downside risks.

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