FHA贷款驱使按揭抵押贷款量增加,但解除抵押贷款和取消赎回赎回权的现象也有所增加。 FHA loans drive mortgage lock volume up, but delinquencies and foreclosures also rise.

2025年4月,房贷锁的总量增加了3.2%,购买锁增加了7.5%,原因是尽管经济压力很大,但房贷贷款仍然激增。 In April 2025, total mortgage lock volume rose by 3.2% and purchase locks increased by 7.5%, driven by a surge in FHA loans despite economic pressures. " 最佳蓝 " 的报告表明,已经转向FHA贷款,不再采用非机构贷款,这反映出投资者的谨慎态度。 The report from Optimal Blue indicates a shift towards FHA loans and away from non-agency lending, reflecting investor caution. 与此同时,2025年12月1日,按揭贷款占所有未偿贷款的4.04%,比前一个季度增加了6个基点,取消赎回权开始增加5个基点,达到0.2%。 Meanwhile, mortgage delinquencies reached 4.04% of all outstanding loans in Q1 2025, up 6 basis points from the previous quarter, with foreclosure starts increasing by 5 basis points to 0.2%.