Charla Messina

American homeowners are quickly fulfilling their New Year’s Resolution to refinance their mortgages.

Mortgage applications rose nearly 50% last week, the strongest weekly gain since November 2008, according to the Mortgage Bankers Association, which tracks housing market data.

It’s a closely watched metric because mortgage applications are a key indicator of not just the real estate market, but the overall U.S. economy, says Diane Swonk, chief economist at Mesirow Financial.

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