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The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($806,500 or less) in the US decreased by 10bps to 6.67% in the week ending August 8, the lowest in four months, according to the Mortgage Bankers Association. Meanwhile, total mortgage application volume rose 10.9% from the previous week, the most in two months. “As seen in other recent refinance bursts, the average loan size grew significantly to $366,400. Borrowers with larger loan sizes continue to be more sensitive to rate movements,” said Joel Kan, an MBA economist in a release. “Given the relative attractiveness of ARM rates compared to fixed rate loans, ARM applications increased 25 percent to their highest level since 2022, and the ARM share of all applications was almost 10 percent.”