After nearly a month of decline, mortgage applications surged, presenting a strategic window for forward‑thinking lenders. According to the Mortgage Bankers Association (MBA), for the week ending June 6, 2025, total mortgage applications jumped 12.5%—or 23% on an unadjusted weekly basis—following three consecutive weeks of decline.
“Coming out of the Memorial Day holiday, mortgage applications increased to the highest level in over a month, driven by growth in both purchase and refinance applications,” said MBA’s Joel Kan, vice president and deputy chief economist.
🔍 Key Market Trends
- Refinance applications: surged 16% from the prior week and are 28% above where they stood a year ago.
- Purchase applications: the seasonally adjusted index rose 10%, while the unadjusted figure jumped 20%, also up 20% year‑over‑year.
- Refinance’s share of total mortgage activity climbed to 36.7%, up from 35.2% last week.
Government‑Backed Loan Insights
- FHA applications: dipped to 18% from 18.7%
- VA loans: slipped to 11.6%
- USDA loans: edged up slightly to 0.6% from 0.5%
📈 Contract Rates: Slight Shifts Across the Board
| Loan Type | This Week | Last Week | Points |
| 30‑year fixed (conforming) | 6.93% | 6.92% | 0.64 ↓ |
| 30‑year fixed (jumbo) | 6.93% | 6.92% | 0.63 ↑ |
| FHA‑backed 30‑year fixed | 6.60% | 6.68% | 0.88 ↓ |
| 15‑year fixed | 6.16% | 6.25% | 0.66 ↓ |
| 5/1 ARM | 6.22% | 6.14% | 0.33 ↓ |
Joel Kan notes, “Despite ongoing uncertainty surrounding the economy, homebuyers seem to be taking advantage of loosening housing inventory in certain markets.”
Why Lenders Should Seize This Moment
This application rebound isn’t merely seasonal—it’s a signal that borrowers are actively re‑engaging with the mortgage market. For lenders, success now depends on being ahead, not just keeping up. To win, lenders must identify prospects early and engage them precisely—and that requires better data.
Harnessing DataVue’s Capabilities for Enhanced Lending Success
🎯 Target with Laser Precision
DataVue combines consumer credit, mortgage, and property data to create sharp predictive models. This means you can:
- Identify in‑market borrowers ready to act
- Prioritize high‑conversion leads
- Issue Firm Offers of Credit confidently—because they’re backed by accurate, prospect‑specific data
The result: fewer wasted impressions, lower acquisition costs, and more funded loans.
🔄 Go Beyond Static Snapshots
Static credit scores don’t tell the full story. DataVue’s trended data analysis uncovers shifts in:
- Spending behavior
- Repayment patterns
- Overall borrower trajectory
With this dynamic view, your campaigns reach borrowers not just based on who they are, but who they’re becoming.
📊 Navigate Market Complexity with Ease
In a world of fluctuating rates, loose inventory, and policy uncertainty, DataVue’s expert team:
- Forecasts emerging borrower demand
- Optimizes credit line offers
- Adapts marketing strategies in real time
Benefit: Stay agile and ahead, not reactive.
Unlocking Growth by Targeting the “Movable Middle”
The most lucrative group? Borrowers who meet underwriting standards but haven’t yet converted.
Instead of broad outreach:
- Target borrowers with high conversion potential
- Time outreach precisely based on behavioral triggers
- Reduce default risk by focusing on creditworthy prospects
DataVue’s models highlight these high-value borrowers. The result? Stronger conversion rates, fewer defaults, and more efficient marketing spend.
🎯 Real‑World Outcomes: DataVue’s Impact
Lenders using DataVue have realized:
- Up to 19% profitability lift
- 113% increase in response rates
- Lower cost per funded loan
These improvements come from robust lead scoring, Firm Offers based on reliable data, and finely tuned campaigns.
Outsource with Confidence
🤝 Why Lenders Partner with DataVue
Rather than shoulder heavy marketing and data modeling in-house, lenders gain by:
- Accessing integrated credit + mortgage data
- Tapping into predictive scoring algorithms
- Receiving consultative and concierge support
This partnership model means you stay lean, focused, and scalable—without needing a full analytics team.
🤔 Common Challenges Solved by DataVue
- Poor timing? → We help identify in-market borrowers precisely.
- Inefficient scoring? → Our ML models focus on high-propensity leads.
- Firm Offer risk? → Only send offers to qualified, up-to-date prospects.
- High acquisition costs? → We target smarter, so your marketing dollars work harder.
Why Now Is the Time to Act
Mortgage activity is shifting. With refinance share up and purchase demand climbing, lender competition is heating up. Marketers with better data and predictive power win.
DataVue enables lenders to:
- Anticipate borrower moves
- Engage with personalized offers
- Convert profitable loans with precision
Contact us for a FREE Strategy Call now.