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Sean D. Emory @_SeanDavid on x 20.3K followers
Created: 2025-07-21 23:24:53 UTC
Rates falling would be big deal!
Here’s how many U.S. mortgage borrowers would be “in the money” for a refinance at different hypothetical 30-year fixed mortgage rate levels:
• XXXX% → 1.5M borrowers • XXXX% → 2.2M • XXXX% → 3.0M • XXXX% → 3.6M • XXXX% → 4.1M • XXXX% → 4.9M • XXXX% → 5.5M • XXXX% → 6.1M • XXXX% → 6.6M • XXXX% → 7.8M • XXXX% → 8.8M • XXXX% → 10.2M • XXXX% → 11.6M • XXXX% → 14.3M
Even modest moves lower in rates could unlock millions of refinancing opportunities with real implications for consumer spending, bank earnings, and housing activity.
-RESI
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Related Topics money mortgage rate rates