尽管按月下降，但 12 月抵押贷款锁定量同比增长 26%。 Mortgage lock volumes surged 26% year-over-year in December, despite a monthly decline.

2024年12月的“最佳蓝”报告显示,房贷锁量年同比增长26%,其驱动因素是购货锁、现金短缺再融资以及利率和定期再融资的增加。 Optimal Blue's December 2024 report shows a 26% year-over-year increase in mortgage lock volume, driven by rises in purchase locks, cash-out refinances, and rate-and-term refinances. 尽管出现这种增长,利率锁定量却逐月下降。 Despite this growth, there was a month-over-month decline in rate lock volumes. 符合条件的贷款份额跌至51%的低点,FHA、VA和不符合条件的贷款不断增多。 Conforming loan share hit a low of 51%, with FHA, VA, and non-conforming loans gaining ground.