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전망·동향
Housing Finance Watch (Weeks 1 & 2, 2025)
AEI
2025.01.16
The median purchase rate increased to 6.875% in week 2, 2025.
According to Mortgage News Daily, the avg. 30-year rate was 7.25% on Jan. 14th.
Purchase volume was down 42% from the same weeks in 2019, and up 10% YoY, with volume growth slowing with increasing rates.
Preliminary YoY HPA was 4.8% in November 2024. It is projected to be 4.9%, 3.8%, and 2.6% for Dec. 2024, Jan. 2025, and the first two weeks of Feb. 2025, respectively.
Despite subdued purchase activity and relatively high rates, YoY HPA remains strong, largely due to buyers being well-qualified.
Our base HPA projection calls for YoY HPA of +4.7% and +4.5% by year-end 2024 and 2025, respectively.