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Housing Finance Watch (Weeks 4, 2025)
The median purchase rate decreased to 6.75% in week 4, 2025.
According to Mortgage News Daily, the avg. 30-year rate was 7.07% on Jan. 28th.
Purchase volume was down 54% from the same weeks in 2019, and down 21% YoY, with volume growth slowing with increasing rates.
Preliminary YoY HPA was 4.6% in December 2024. It is projected to be 3.4% and 2.1% for January 2025 and the first four weeks of February 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 +4.0% (a change from 4.5%) for 2025 by year-end 2024 and 2025, respectively.
According to Mortgage News Daily, the avg. 30-year rate was 7.07% on Jan. 28th.
Purchase volume was down 54% from the same weeks in 2019, and down 21% YoY, with volume growth slowing with increasing rates.
Preliminary YoY HPA was 4.6% in December 2024. It is projected to be 3.4% and 2.1% for January 2025 and the first four weeks of February 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 +4.0% (a change from 4.5%) for 2025 by year-end 2024 and 2025, respectively.
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