{"id":17,"date":"2026-10-01T17:00:00","date_gmt":"2026-10-01T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/cindybosshard-com\/2026\/10\/01\/us-mortgage-applications-stall\/"},"modified":"2026-10-01T17:00:00","modified_gmt":"2026-10-01T17:00:00","slug":"us-mortgage-applications-stall","status":"publish","type":"post","link":"https:\/\/www.cindybosshard.com\/blog\/2026\/10\/01\/us-mortgage-applications-stall\/","title":{"rendered":"US Mortgage Applications Stall"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/cindy-bosshard\/mortgage-applications-squeeze-remotion-videos-6fb5\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Mortgage application activity across the US has held steady, with little movement on borrowing costs\u2014something I\u2019ve been seeing firsthand in our Whittier and Helendale markets. Purchase applications dipped 2% on a seasonally adjusted basis (and 3% unadjusted), while refinance activity ticked up by 2%, now making up roughly 42% of all applications. Larger-balance borrowers are still taking a wait-and-see approach, likely due to ongoing affordability pressures and broader economic uncertainty. One area that\u2019s stood out: VA applications, which have risen to a 12.6% share, offering a small glimmer of momentum. With 30-year conforming rates hovering close to 7% and no central bank rate cuts likely before 2026, patience and strategic timing remain more important than ever for both buyers and sellers. After more than a decade navigating residential, commercial, and investment opportunities in Southern California, I know how important it is to interpret these shifts with care\u2014especially in markets where every move counts.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage application activity across the US has held steady, with little movement on borrowing costs\u2014something I\u2019ve been seeing firsthand in our Whittier and Helendale markets. Purchase applications dipped 2% on a seasonally adjusted basis (and 3% unadjusted), while refinance activity ticked up by 2%, now making up roughly 42% of all applications. Larger-balance borrowers are [&hellip;]<\/p>\n","protected":false},"author":532,"featured_media":18,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/users\/532"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/media\/18"}],"wp:attachment":[{"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cindybosshard.com\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}