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CHICAGO (MarketWatch) -- The volume of mortgage applications filed last week dropped a seasonally adjusted 18.9% from the week before, as refinancing activity plunged, the Mortgage Bankers Association reported Wednesday.
Applications for mortgages to refinance existing home loans fell 30% for the week ended June 26 -- putting the MBA survey's refinance index at its lowest level since November.
Meanwhile, the week-to-week pace of applications filed for mortgages to purchase homes was down a seasonally adjusted 4.5%.
In the week ended June 19, overall applications activity rose a seasonally adjusted 6.6% from the prior week, the MBA's data showed. The survey done by the Washington-based MBA covers about half of all U.S. retail residential mortgage applications. See full story.
Compared with the same week in 2008, total applications for the latest week were down an unadjusted 7.4%. The four-week moving average for all mortgages was also down, off a seasonally adjusted 9.2%.
Application volumes fell even as the interest rates charged on mortgages dropped.
According to the MBA, 30-year fixed-rate mortgages carried an average rate of 5.34% last week, down from 5.44% the week before.
To obtain the rate, the 30-year mortgage required payment of an average 1.12 point. A point is 1% of the mortgage amount, charged as prepaid interest.
Fifteen-year fixed-rate mortgages averaged 4.81%, down from 4.93% the week before; the rate required payment of an average 1.04 point.
And the average rate on one-year adjustable-rate mortgages eased to 6.52%, down from 6.54% the week before; the rate required payment of an average 0.13 point.
Refinancings made up 46.4% of all applications last week, down from 54% the week before. ARM applications accounted for 4.3%, up from 4.1%.
Amy Hoak is a MarketWatch reporter based in Chicago.
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