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Refinancing 30-Year Fixed-Rate Mortgage Market Trends 15-Year Fixed-Rate Mortgage Refinance Activity Interest Rates Application Volume Rate Fluctuations Cost of Living Applications 30-Year Fixed Rates Mortgage Applications Refinance Demand Application Activity 30-Year Fixed Rate Mortgage 2025 Low Bond Market Home Buying Government Influence 30-Year Mortgage Application Trends Refinancing Applications 30-Year Fixed Rate Loan Types