Economic Warning Signs: Real-Time Credit Card Spending Drops, 85% of Americans Deem it a Poor Time to Buy Homes.

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Mortgage demand down 9.4% for final week of 2023, despite recent drop in interest rates

  • The average rate on the 30-year fixed ended the year at 6.76%, lower than where it was two weeks ago, but higher than it was a week ago.
  • Applications to refinance a home loan ended the year 15% higher than the same period a year ago.
  • Applications for a mortgage to purchase a home ended the year 12% lower.
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