 But overall, the world's different than five years ago. Demand's still more than 70% lower than just before the pandemic. The Mortgage Bankers Association's index also found that home-buying mortgage applications are 14% lower than they were a year ago. Brian Clark, ABC News. Wall Street futures are mixed this morning after that record close for the Dow. Futures down 67 right now. S&P futures up 7. NASDAQ up about 82.