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Mortgage Applications Level Off
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READ OUR DISCLOSURE
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateUpdate and the offers you have received, you've found the right product and the best rate.
READY TO SPEAK TO A PROFESSIONAL?
LOANRATEUPDATE IS NOT A LENDER OR A BROKER BUT WE HAVE LOTS OF FRIENDS WHO ARE
Pick the service you desire below
Mortgage Applications Level Off
HOW LOANRATEUPDATE WORKS
READ OUR DISCLOSURE
FILL OUT THE FORM
It all starts here. Select the loan product you want to apply for and complete the subsequent questionnaire.
WE VERIFY & TRANSMIT TO LENDERS
Once we receive your completed questionnaire we verify a couple vital pieces of information and direct your information to our network of lenders, all within minutes.
REVIEW YOUR OFFERS
With offers in hand you can now compare rates and costs and get the best possible deal. Comparison shopping made easy. You fill out one form and lenders compete for your business.
CHOOSE YOUR LENDER
Congratulations! With the great learning tools we provide for you at LoanRateUpdate and the offers you have received, you've found the right product and the best rate.
LOANRATEUPDATE IS NOT A LENDER OR A BROKER BUT WE HAVE LOTS OF FRIENDS WHO ARE
Pick the service you desire below
Mortgage Applications Level Off

October 11, 2012 (Chris Moore)

Mortgage applications leveled-off last week after their big jump the previous week as refinance applications edged slightly lower while applications for home purchases moved slightly higher according to the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending October 5th, 2012.

The Market Composite Index, a measure of mortgage loan application volume including purchase applications and refinance applications, ended its two-week climb by falling a seasonally adjusted 1.2 percent from the previous week and follows a 16.6 percent increase the week before.

On an unadjusted basis, the Index decreased by one percent from the previous week and follows a 17 percent increase from the week before. The unadjusted Index was 12 percent higher than the same week a year ago.

Purchase Applications:

The seasonally adjusted Purchase Index increased by two percent from the previous week after increasing by four percent the week before, while the unadjusted Purchase Index increased by three percent over the previous week.

Refinance Applications:

The Refinance Index fell by two percent from the previous week after increasing by 20 percent the week before. The refinance share of mortgage activity remained unchanged from last week at 83 percent of total applications.

Mortgage Interest Rates:

Average Contract Mortgages Rates
(80% loan-to-value)

Type of
Loan

Interest Rate (%)

Points

Effective Rate

Current

Previous

Current

Previous
30-Year FRM Conforming
($417,500 or less)

3.56

3.53*

0.39

0.35

Increased
30-Year FRM Non-Conforming
($417,501 or more)

3.74*

3.82

0.40

0.32

Decreased
15-Year FRM

2.88*

2.90

0.40

0.27

Increased
FHA 30-Year

3.34*

3.37

0.71

0.36

Increased
5/1 ARM

2.60

2.59*

0.36

0.34

Increased

*Survey Record Low

The adjustable-rate mortgage (ARM) share of activity fell from four percent to 3.8 percent of total applications.

Tags: MBA, home purchase applications, mortgage rates, fixed rate mortgage, adjustable rate mortgage, refinance, interest rate

Sources:
Mortgage Bankers Association

INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
THINKING OF BUYING
A NEW CAR?

WE GIVE YOU THE INSIDE TIPS THAT
COULD SAVE YOU THOUSANDS.
AUTO LOAN CALCULATOR
Calculate how much you can afford
BUYING OR SELLING A HOME IS A BIG DECISION
WE MAKE IT EASIER
HOME BUYING TIPS
Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
HOME SELLING TIPS
If you are thinking of selling your home, chances are you’re caught up in a mass of emotions. Needs change and although you may be looking forward to this new adventure, you'll probably find yourself reluctant to leave your memories behind and face the overwhelming task of selling your home and moving.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makles it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

October 11, 2012 (Chris Moore)

Mortgage applications leveled-off last week after their big jump the previous week as refinance applications edged slightly lower while applications for home purchases moved slightly higher according to the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending October 5th, 2012.

The Market Composite Index, a measure of mortgage loan application volume including purchase applications and refinance applications, ended its two-week climb by falling a seasonally adjusted 1.2 percent from the previous week and follows a 16.6 percent increase the week before.

On an unadjusted basis, the Index decreased by one percent from the previous week and follows a 17 percent increase from the week before. The unadjusted Index was 12 percent higher than the same week a year ago.

Purchase Applications:

The seasonally adjusted Purchase Index increased by two percent from the previous week after increasing by four percent the week before, while the unadjusted Purchase Index increased by three percent over the previous week.

Refinance Applications:

The Refinance Index fell by two percent from the previous week after increasing by 20 percent the week before. The refinance share of mortgage activity remained unchanged from last week at 83 percent of total applications.

Mortgage Interest Rates:

Average Contract Mortgages Rates
(80% loan-to-value)

Type of
Loan

Interest Rate (%)

Points

Effective Rate

Current

Previous

Current

Previous
30-Year FRM Conforming
($417,500 or less)

3.56

3.53*

0.39

0.35

Increased
30-Year FRM Non-Conforming
($417,501 or more)

3.74*

3.82

0.40

0.32

Decreased
15-Year FRM

2.88*

2.90

0.40

0.27

Increased
FHA 30-Year

3.34*

3.37

0.71

0.36

Increased
5/1 ARM

2.60

2.59*

0.36

0.34

Increased

*Survey Record Low

The adjustable-rate mortgage (ARM) share of activity fell from four percent to 3.8 percent of total applications.

Tags: MBA, home purchase applications, mortgage rates, fixed rate mortgage, adjustable rate mortgage, refinance, interest rate

Sources:
Mortgage Bankers Association

HOME LOANS CAN BE CONFUSING
YOU'VE GOT QUESTIONS
WE MAKE IT SIMPLE
WE'VE GOT ANSWERS
INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
THINKING OF BUYING
A NEW CAR?

WE GIVE YOU THE INSIDE TIPS THAT
COULD SAVE YOU THOUSANDS.
AUTO LOAN CALCULATOR
Calculate how much you can afford
BUYING OR SELLING A HOME
IS A BIG DECISION
WE MAKE IT EASIER
HOME BUYING TIPS
Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
HOME SELLING TIPS
If you are thinking of selling your home, chances are you’re caught up in a mass of emotions. Needs change and although you may be looking forward to this new adventure, you'll probably find yourself reluctant to leave your memories behind and face the overwhelming task of selling your home and moving.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makles it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

October 11, 2012 (Chris Moore)

Mortgage applications leveled-off last week after their big jump the previous week as refinance applications edged slightly lower while applications for home purchases moved slightly higher according to the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending October 5th, 2012.

The Market Composite Index, a measure of mortgage loan application volume including purchase applications and refinance applications, ended its two-week climb by falling a seasonally adjusted 1.2 percent from the previous week and follows a 16.6 percent increase the week before.

On an unadjusted basis, the Index decreased by one percent from the previous week and follows a 17 percent increase from the week before. The unadjusted Index was 12 percent higher than the same week a year ago.

Purchase Applications:

The seasonally adjusted Purchase Index increased by two percent from the previous week after increasing by four percent the week before, while the unadjusted Purchase Index increased by three percent over the previous week.

Refinance Applications:

The Refinance Index fell by two percent from the previous week after increasing by 20 percent the week before. The refinance share of mortgage activity remained unchanged from last week at 83 percent of total applications.

Mortgage Interest Rates:

Average Contract Mortgages Rates
(80% loan-to-value)

Type of
Loan

Interest Rate (%)

Points

Effective Rate

Current

Previous

Current

Previous
30-Year FRM Conforming
($417,500 or less)

3.56

3.53*

0.39

0.35

Increased
30-Year FRM Non-Conforming
($417,501 or more)

3.74*

3.82

0.40

0.32

Decreased
15-Year FRM

2.88*

2.90

0.40

0.27

Increased
FHA 30-Year

3.34*

3.37

0.71

0.36

Increased
5/1 ARM

2.60

2.59*

0.36

0.34

Increased

*Survey Record Low

The adjustable-rate mortgage (ARM) share of activity fell from four percent to 3.8 percent of total applications.

Tags: MBA, home purchase applications, mortgage rates, fixed rate mortgage, adjustable rate mortgage, refinance, interest rate

Sources:
Mortgage Bankers Association

HOME LOANS CAN BE CONFUSING
YOU'VE GOT QUESTIONS
WHAT TYPE OF MORTGAGE LOANS ARE AVAILABLE?
DO I QUALIFY FOR A GOVERNMENT INSURED LOAN?
WHAT CAN I EXPECT FOR A MORTGAGE INTEREST RATE?
WE MAKE IT SIMPLE
WE'VE GOT ANSWERS
CALCULATE YOUR MORTGAGE PAYMENT
BENEFITS OF REFINANCING YOUR MORTGAGE
ADVANTAGES OF GETTING PRE-APPROVED FOR A LOAN
THINKING OF BUYING
A NEW CAR?

WE GIVE YOU THE INSIDE TIPS THAT
COULD SAVE YOU THOUSANDS.
INSIDER CAR BUYING TIPS
What's the four square system? How much is your trade-in really worth and why those payments really do seem a little higher than you thought.
BUYING VS LEASING
There's both advantages and disadvantages to leasing and buying depending on what you're planning to use your car for and how long you plan on keeping it.
DEALER OR BANK FINANCING
Sure that low interest dealer financing sounds really attractive but there's a price to be paid for that. We spill the beans as to why getting your own financing may save you money.
BUYING ON THE INTERNET
Buying a car at a dealership hasn't changed much through the years but doing your research on the internet can you save you a lot of time and most importantly, a lot of money.
AUTO LOAN CALCULATOR
Calculate how much you can afford
BUYING OR SELLING A HOME IS A BIG DECISION
WE MAKE IT EASIER
HOME BUYING TIPS
Buying a home is a big decision. If you are not prepared, the decisions you make, the questions you don’t ask, and the details you miss could cost you thousands – in price, fees, financing, property issues, and home repairs.
SEARCH FOR A HOME
Home loans can be confusing. There's a lot of options and we provide the information that makes it simple. Don't sign on that dotted line until you know. It could cost you.
FIND THE CREDIT CARD THAT'S RIGHT FOR YOU
THERE'S A CREDIT CARD FOR VIRTUALLY ANY SITUATION. FIND YOURS.
YOU'VE WORKED HARD TO BUILD YOUR DREAM

LEARN ABOUT THE LOAN OPTIONS AVAILABLE TO EXPAND YOUR BUSINESS

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