Mortgage Bankers Association (MBA)

The 0.9% overall increase was led by refinancing mortgages as mortgage rates fell.

Most vulnerable homeowners have FHA, VA, or other government loans.

MBA survey finds applications increased 1% from October.

Both the purchase and refinance indexes rose last week despite a small increase in mortgage rates.

Allowing borrowers with up to 100% of AMI to be eligible for these programs.

The Mortgage Credit Availability Index increased, indicating loosening credit.