As this blog reported a few days ago, mortgage application rates were relatively flat in total, but underlying that data were some big swings that didn’t show up in the average. These changes are particularly surprising given the rate of home building starts and U.S. consumer confidence. The current thinking from the Mortgage Bankers Association ties those underlying moves along with the drop in long-term interest rates (the 30 year fixed rate was down to 4.11% last week) to the current angst in China. 

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