Mortgage Application in the United States decreased by 12.70 percent in the week ending September 26 of 2025 over the previous week. This dataset provides - United States MBA Mortgage Applications - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The value of refinance applications for mortgages in the United States soared during the COVID-19 pandemic, followed by a drop in 2021. In the week ending September 13, 2024, Fannie Mae's dollar value Refinance Application-Level Index (RALI) amounted to ***** index points, down from ***** index points when the market peaked in March 2020. The index measures the development of the value of mortgage refinance applications, with the first week of 2004 chosen as a baseline year. An index value of *** suggests an increase in the value of refinance applications of ** percent since the baseline period.

MBA Mortgage Refinance Index in the United States decreased to 1278.60 points in September 26 from 1609.80 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Refinance Index.

The MBA Mortgage Refinance Index, published weekly by the Mortgage Bankers Association, measures the volume of refinance applications for home mortgages in the U.S. It is an important indicator of consumer sentiment and financial health, as it reflects homeowners' ability to take advantage of lower interest rates.

The volume of refinance applications for mortgages in the United States soared during the COVID-19 pandemic, followed by a drop in 2021. In the week ending September 13, 2024, Fannie Mae's loan count Refinance Application-Level Index (RALI) amounted to 127.1 index points, down from 800 index points when the market peaked in March 2020. The index measures the development of the volume of mortgage refinance applications, with the first week of 2004 chosen as a baseline year. An index value of 150 suggests an increase in the number of refinance applications of 50 percent since the baseline period.

United States WAS: Refinance Loans % of the Total Loan Amounts data was reported at 32.700 % in 20 Jul 2018. This records an increase from the previous number of 31.900 % for 13 Jul 2018. United States WAS: Refinance Loans % of the Total Loan Amounts data is updated weekly, averaging 47.010 % from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 86.500 % in 09 Jan 2009 and a record low of 9.990 % in 10 Mar 1995. United States WAS: Refinance Loans % of the Total Loan Amounts data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

MBA Mortgage Market Index in the United States decreased to 339.10 points in September 26 from 388.30 points in the previous week. This dataset includes a chart with historical data for the United States MBA Mortgage Market Index.

Dataset from Housing & Development Board. For more information, visit https://data.gov.sg/datasets/d_fbb057402a1d4a953a9b46babbdbf1fc/view

United States WAS: Refinance Loans % of the Total Loan Applications data was reported at 36.800 % in 20 Jul 2018. This records an increase from the previous number of 36.500 % for 13 Jul 2018. United States WAS: Refinance Loans % of the Total Loan Applications data is updated weekly, averaging 48.500 % from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 85.300 % in 09 Jan 2009 and a record low of 9.380 % in 10 Mar 1995. United States WAS: Refinance Loans % of the Total Loan Applications data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

Out of the ** million mortgage applications in the United States in 2021, roughly ** million resulted in mortgage originations. That included applications for home purchase, home improvement, refinancing, cash out refinancing, and other purposes. White applicants accounted for approximately ** million loan originations worth almost *** trillion U.S. dollars, while for Black and African American applicants, this figure stood at roughly ******* originations and *** billion U.S. dollars, respectively. The the number of mortgages originated to Asian applicants was slightly higher at *******.

The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2012 contains information collected in calendar year 2011. The HMDA, enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 7,632 lending institutions and cover approximately 14.7 million home purchase and home improvement loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete, or withdrawn. The Private Mortgage Insurance Companies (PMIC) data refer to applications for mortgage insurance to insure home purchase mortgages and to insure mortgages to refinance existing obligations. Part 1, HMDA Transmittal Sheet (TS), and Part 4, PMIC Transmittal Sheet (TS), include information submitted by reporting institutions with the Loan Application Register (LAR), such as the reporting institution's name, address, and Tax ID. Part 2, HMDA Reporter Panel, and Part 5, PMIC Reporter Panel, contain information on all institutions that reported data for activity year 2011. Part 3, HMDA MSA Offices, and Part 6, PMIC MSA Offices, contain information on all metropolitan statistical areas in the data. Parts 7 through 796 contain HMDA and PMIC Loan Application Register (LAR) files at the national level, at the agency level, and by MSA/MD. With some exceptions, for each transaction the institution reported data about the loan (or application), such as the type and amount of the loan made (or applied for) and, in limited circumstances, its price, the disposition of the application, such as whether it was denied or resulted in an origination of a loan, the property to which the loan relates, such as its type (single-family versus multi-family), and location (including the census tract), the sale of the loan, if it was sold, and the applicant's and co-applicant's ethnicity, race, sex, and income.

United States WAS: Refinance Loans % of the Total Conventional Loan Applications data was reported at 40.000 % in 20 Jul 2018. This records an increase from the previous number of 39.600 % for 13 Jul 2018. United States WAS: Refinance Loans % of the Total Conventional Loan Applications data is updated weekly, averaging 51.005 % from Jan 1990 (Median) to 20 Jul 2018, with 1490 observations. The data reached an all-time high of 88.400 % in 27 Aug 2010 and a record low of 12.000 % in 20 Jan 1995. United States WAS: Refinance Loans % of the Total Conventional Loan Applications data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

The U.S. mortgage market has declined notably since 2020 and 2021, mostly due to the effect of higher borrowing costs on refinance mortgages. The value of refinancing mortgage originations amounted to 112 billion U.S. dollars in the first quarter of 2025, down from a peak of 851 billion U.S. dollars in the fourth quarter of 2020. The value of mortgage loans for the purchase of a property recorded milder fluctuations, with a value of 272 billion U.S. dollars in the first quarter of 2025. According to the forecast, mortgage lending is expected to slightly increase until the end of 2026. The cost of mortgage borrowing in the U.S. Mortgage interest rates in the U.S. rose dramatically in 2022, peaking in the final quarter of 2024. In 2020, a homebuyer could lock in a 30-year fixed interest rate of under three percent, whereas in 2024, the average rate for the same mortgage type exceeded 6.6 percent. This has led to a decline in homebuyer sentiment and an increasing share of the population pessimistic about buying a home in the current market. The effect of a slower housing market on property prices and rents According to the S&P/Case Shiller U.S. National Home Price Index, housing prices experienced a slight correction in early 2023, as property transactions declined. Nevertheless, the index continued to grow in the following months. On the other hand, residential rents have increased steadily since 2000.

The value of mortgage applications in the United States came close to ************** U.S. dollars in 2021, with loan originations amounting to ************ U.S. dollars. This includes applications for home purchase, home improvement, refinancing, cash out refinancing, and other purposes. White applicants accounted for the highest number applications and originations. The value of mortgages originated to White applicants was almost ************ U.S. dollars, while for Black and African American applicants, this figure stood at roughly *********** U.S. dollars. The the value of mortgages originated to Asian applicants was higher at *********** U.S. dollars.

The Home Mortgage Disclosure Act (HMDA): Loan Application Register (LAR) and Transmittal Sheet (TS) Raw Data, 2008 contains information collected in calendar year 2007. The HMDA, enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to report data about their housing-related lending activity. The HMDA data were collected from 8,610 lending institutions and cover approximately 26.6 million home purchase and home improvement loans and refinancings, including loan originations, loan purchases, and applications that were denied, incomplete or withdrawn. The Private Mortgage Insurance Companies (PMIC) data refer to applications for mortgage insurance to insure home purchase mortgages and to insure mortgages to refinance existing obligations. Part 1, HMDA Transmittal Sheet (TS), and Part 4, PMIC Transmittal Sheet (TS), include information submitted by reporting institutions with the Loan Application Register (LAR), such as the reporting institution's name, address, and Tax ID. Part 2, HMDA Reporter Panel, and Part 5, PMIC Reporter Panel, contain information on all institutions that reported data in activity year 2007. Part 3, HMDA MSA Offices, and Part 6, PMIC MSA Offices, contain information on all metropolitan statistical areas in the data. Parts 7 through 794 contain HMDA and PMIC Loan Application Register (LAR) files at the national level, at the agency level, and by MSA/MD. With some exceptions, for each transaction the institution reported data about the loan (or application), such as the type and amount of the loan made (or applied for) and, in limited circumstances, its price, the disposition of the application, such as whether it was denied or resulted in an origination of a loan, the property to which the loan relates, such as its type (single-family versus multi-family), and location (including the census tract), the sale of the loan, if it was sold, and the applicant's and co-applicant's ethnicity, race, sex, and income.

United States WAS: Conventional Loans % the Total Refinance Loan Applications data was reported at 84.800 % in 20 Jul 2018. This records an increase from the previous number of 84.100 % for 13 Jul 2018. United States WAS: Conventional Loans % the Total Refinance Loan Applications data is updated weekly, averaging 83.400 % from Jan 2011 (Median) to 20 Jul 2018, with 393 observations. The data reached an all-time high of 90.300 % in 12 Aug 2011 and a record low of 73.500 % in 15 Jun 2012. United States WAS: Conventional Loans % the Total Refinance Loan Applications data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

This layer was developed by the Research & Analytics Group of the Atlanta Regional Commission, using Home Mortgage Disclosure Act (HMDA) data to show mortgage loan applications, originations, denials, and applicant income, for 2013, by census tract in the Atlanta Region.

Attributes:

GEOID10 = 2010 Census tract identifier (combination of FIPS codes for state, county, and tract)

County = County identifier (combination of Federal Information Processing Series (FIPS) codes for state and county)

Area_Name = 2010 Census tract number and county name

Total_Population_ACS_2016 = # Total population estimate, 2016 (American Community Survey)

Total_Population_ACS_MOE_2016 = # Total population estimate (Margin of Error), 2016 (American Community Survey)

Planning_Region = Planning region designation for ARC purposes

AcresLand = Land area within the tract (in acres)

AcresWater = Water area within the tract (in acres)

AcresTotal = Total area within the tract (in acres)

SqMi_Land = Land area within the tract (in square miles)

SqMi_Water = Water area within the tract (in square miles)

SqMi_Total = Total area within the tract (in square miles)

TRACTCE10 = Census tract Federal Information Processing Series (FIPS) code. Census tracts are identified by an up to four-digit integer number and may have an optional two-digit suffix; for example 1457.02 or 23. The census tract codes consist of six digits with an implied decimal between the fourth and fifth digit corresponding to the basic census tract number but with leading zeroes and trailing zeroes for census tracts without a suffix. The tract number examples above would have codes of 145702 and 002300, respectively.

CountyName = County Name

ALL_LOAN_APPS_2013 = All Loan Applications, 2013

ALL_LOAN_ORIG_2013 = All Loan Originations, 2013

ALL_LOAN_DENIALS_2013 = All Loan Denials, 2013

HOME_PURCH_LOAN_APPS_2013 = Home Purchase Loan Applications, 2013

HOME_PURCH_LOAN_ORIG_2013 = Home Purchase Loan Originations, 2013

HOME_PURCH_LOAN_DENIALS_2013 = Home Purchase Loan Denials, 2013

HOME_REFI_LOAN_APPS_2013 = Home Refinancing Loan Applications, 2013

HOME_REFI_LOAN_ORIG_2013 = Home Refinancing Loan Originations, 2013

HOME_REFI_LOAN_DENIALS_2013 = Home Refinancing Loan Denials, 2013

MED_AMT_LOAN_APLD_1K = Median Amount of Loan Applied for, $1k

MED_AMT_LOAN_ORIG_1K = Median Amount of Loan Originated, $1k

MED_AMT_LOAN_DEND_1K = Median Amount of Loan Denied, $1k

MED_AMT_HOME_PURCH_LOAN_APLD_1K = Median Amount of Home Purchase Loan Applied for, $1k

MED_AMT_HOME_PURCH_LOAN_ORIG_1K = Median Amount of Home Purchase Loan Originated, $1k

MED_AMT_HOME_PURCH_LOAN_DEND_1K = Median Amount of Home Purchase Loan Denied, $1k

MED_AMT_HOME_REFI_LOAN_APLD_1K = Median Amount of Home Refinancing Loan Applied for, $1k

MED_AMT_HOME_REFI_LOAN_ORIG_1K = Median Amount of Home Refinancing Loan Originated, $1k

MED_AMT_HOME_REFI_LOAN_DEND_1K = Median Amount of Home Refinancing Loan Denied, $1k

MED_INCOME_FOR_LOAN_APLD_1K = Median Applicant Income for Loan Applied for, $1k

MED_INCOME_FOR_LOAN_ORIG_1K = Median Applicant Income for Loan Originated, $1k

MED_INCOME_FOR_LOAN_DEND_1K = Median Applicant Income for Loan Denied, $1k

MED_INCOME_PURCH_LOAN_APLD_1K = Median Applicant Income for Home Purchase Loan Applied for, $1k

MED_INCOME_PURCH_LOAN_ORIG_1K = Median Applicant Income for Home Purchase Loan Originated, $1k

MED_INCOME_PURCH_LOAN_DEND_1K = Median Applicant Income for Home Purchase Loan Denied, $1k

MED_INCOME_REFI_LOAN_APLD_1K = Median Applicant Income for Home Refinancing Loan Applied for, $1k

MED_INCOME_REFI_LOAN_ORIG_1K = Median Applicant Income for Home Refinancing Loan Originated, $1k

MED_INCOME_REFI_LOAN_DEND_1K = Median Applicant Income for Home Refinancing Loan Denied, $1k

LOANS_ORIG_PER_SQ_MI_2013 = Loans Originated per Square Mile, 2013

HOME_PURCH_LOANS_ORIG_SQMI_2013 = Loans Originated for Home Purchase per Square Mile, 2013

HOME_REFI_LOANS_ORIG_SQMI_2013 = Loans Originated for Home Refinancing per Square Mile, 2013

PCT_LOAN_APPS_ORIG_2013 = % of Loan Applications Originated, 2013

PCT_HOME_PURCH_LN_APPS_ORG_2013 = % of Home Purchase Loan Applications Originated, 2013

PCT_HOME_REFI_LN_APPS_ORG_2013 = % of Home Refinancing Loan Applications Originated, 2013

last_edited_date = Last date the feature was edited by ARC

Source: Home Mortgage Disclosure Act (HMDA), Atlanta Regional Commission

Date: 2013

For additional information, please visit the Atlanta Regional Commission at www.atlantaregional.com.

United States WAS: Mortgage Loan Applications Index: VA: Refinance data was reported at 61.800 25Jul2014=100 in 20 Jul 2018. This records a decrease from the previous number of 62.100 25Jul2014=100 for 13 Jul 2018. United States WAS: Mortgage Loan Applications Index: VA: Refinance data is updated weekly, averaging 107.700 25Jul2014=100 from Jan 2014 (Median) to 20 Jul 2018, with 236 observations. The data reached an all-time high of 281.800 25Jul2014=100 in 05 Aug 2016 and a record low of 52.300 25Jul2014=100 in 06 Jul 2018. United States WAS: Mortgage Loan Applications Index: VA: Refinance data remains active status in CEIC and is reported by Mortgage Bankers Association. The data is categorized under Global Database’s USA – Table US.KA016: Weekly Applications Survey: Mortgage Loan Applications.

Mortgage lending information comes from the Federal Financial Institutions Examination Council's (FFIEC) Home Mortgage Disclosure Act (HMDA) data. Loan originations are the creation of a loan after bank approval. Loan origination rates are calculated from the number of loan applications that were either approved or denied—what is termed as decisioned applications. For all charts, the loan’s purpose can be selected via a dropdown list. Trends are summarized by all loan purposes and by Loans for home purchase, home improvement, or refinancing.

Just a small share of mortgage applications by personal buy-to-let (BTL) mortgage borrowers in the United Kingdom was for the purpose of a property purchase between 2018 and 2022. In the second quarter of the year, *** percent of mortgage applications were for the purchase of a new property, while the overwhelming share - **** percent - was remortgaging applications. Conversely, limited companies had a higher share of purchase applications.