United States · Agency loan data · Jul 2026
Refinancing made up 28.1% of agency lending
Three-month window ending Jul 2026. This page preserves a dated observation; it does not update to the latest month.
The measured change
28.1%, compared with 28.9% for the window ending Jun 2026 — 0.8 percentage points lower.
Adjacent three-month windows overlap. A percentage-point change in share does not establish a change in the number of loans.
What was counted
Purchase, refinance, and cash-out refinance loans in the agency data. Refinancing includes cash-out.
- Geography
- United States · National
- Observations in this window
- 340,579
- Source
- MBS single family loan level disclosure data
- Source response refreshed (UTC)
- 2026-09-07T09:02:37.035Z
Trailing three-month windows of loans ending in the labeled month. Latest disclosure cycle; sparse recent origination months excluded. Adjacent windows overlap. Coverage is MBS single family loan level disclosure data from Fannie Mae, Freddie Mac, and Ginnie Mae, not the entire mortgage market.
These are source observations, not a linked-loan estimate across datasets. The national share does not establish the share in your county, an individual borrower’s eligibility, or likely future refinancing.
The preserved response’s freshness status describes the source when captured, not its freshness today.
Source-backed finding · This is a computed observation and methodology note. Authored Polygon News briefings are published separately in the News Desk.