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Mortgage applications in the US fell 1.8% in the week ending October 10, 2025, marking the third consecutive decline in mortgage demand. Applications to refinance a home loan decreased 1% and those to buy a home dropped 2.7%. Meanwhile, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($806,500 or less) decreased to 6.42% from 6.43%. “Mortgage applications were lower than the week before, as conventional and VA applications saw declines,” said Joel Kan, MBA’s Vice President and Deputy Chief Economist. “FHA applications saw a stronger week, and FHA refinance applications in particular increased 12 percent as the FHA rate stayed more than 10 basis points lower than the conventional fixed rate. Purchase applications declined for the third consecutive week but remained 20 percent ahead of last year’s pace as improving inventory conditions in certain markets continue to maintain homebuyer interest.”