January New Home Sales and Mortgage Applications Point to Strong Start in 2026

Описание: January new home mortgage applications increased, signaling a stronger start for new construction activity in 2026.
According to the Mortgage Bankers Association’s Builder Application Survey, mortgage applications for newly built homes rose 2% compared to January of last year. On a month-over-month basis, applications jumped 19% from December. While that monthly gain was not seasonally adjusted, it points to improved early-year momentum.
MBA estimates that new single-family home sales ran at a seasonally adjusted annual pace of 663,000 units in January — up 3.6% from December’s revised level. On an unadjusted basis, approximately 58,000 new homes were sold, a 16% increase from the prior month.
Loan sizes also moved higher. The average loan amount for new home purchases climbed to $385,506, the highest level in nearly a year. That may reflect firm pricing, larger home purchases, or both.
Builders continue using incentives to support demand, including rate buydowns and price concessions. Adjustable-rate mortgages remain part of the mix for buyers seeking lower initial payments.
Conventional loans accounted for roughly 49% of applications, while FHA and VA loans together represented nearly half of the remaining share, highlighting the importance of government-backed financing for many buyers.
The January data suggests that, despite ongoing affordability challenges, demand for newly built homes remains steady. If mortgage rates stay stable and job growth continues, new construction could remain a key driver of housing activity in early 2026.
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