Mortgage rates continued to climb higher at the start of this week, and are now at the highest level in more than three weeks. Rates were influenced by a Tuesday report on October’s retail sales, which rose by 1.7%, making it the strongest month in several years.


Mortgage applications to purchase a home, which are less sensitive to weekly rate moves, rose 2% for the week, but were 6% lower than the same week one year ago. Buyers appear to be coming back to the market after a brief lull. “Purchase applications increased for both conventional and government loan segments, as housing demand continues to show resiliency at a time – late fall – when home buying activity typically slows. The second straight increase in purchase applications suggests that stronger sales activity may continue in the weeks to come,” said Joel Kan, MBA’s associate vice president of economic and industry forecasting.


Next week, the markets will have the Fed’s favorite inflation gauge, the Core PCE, along with housing data and $176B in Treasuries being offered. However, we should expect volatility for the next several months. Keep an eye on the market and consider locking in for closing files.


本周开始,抵押贷款利率继续走高,目前处于三周多以来的最高水平。周二利率受到 10 月份零售销售报告的影响,该报告增长了 1.7%,成为数年来最强劲的月份。


购买房屋的抵押贷款申请对每周利率变动不太敏感,本周上涨了 2%,但比一年前的同一周下降了 6%。在短暂的平静之后,买家似乎正在重返市场。 “传统贷款和政府贷款领域的购买申请都增加了,因为在秋季末期购房活动通常放缓时,住房需求继续显示出弹性。采购申请连续第二次增加表明,未来几周销售活动可能会继续走强,”MBA 负责经济和行业预测的副总裁乔尔·坎 (Joel Kan) 表示。


下周,市场将有美联储最看重的通胀指标,核心 PCE 以及住房数据和 176B 美元的美国国债。但是,我们应该预计未来几个月会出现波动。密切关注市场并考虑锁定即将完成的贷款项目。

Economic Calendar

Report Period Estimate Impact
Date: Mon. Nov. 22
Existing Home Sales Oct 6.20M Moderate
Date: Wed. Nov. 24
Personal Consumption Expenditures and Core PCE YOY 3.7% High
Personal Income Oct 0.2% Moderate
Jobless Claims (Initial) 11/20 NA Moderate
Gross Domestic Product (GDP) Q3 2.2% Moderate
Personal Spending Oct 0.8% Moderate
Consumer Sentiment Index (UoM) Nov 66.9 Moderate
GDP Chain Deflator Q3 6.0% Moderate
Personal Consumption Expenditures and Core PCE Oct 0.4% High
New Home Sales Oct 802K Moderate
Durable Goods Orders Oct 0.2% Moderate
Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.

Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.

APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as “points”), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.

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