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Compliance, Broker Products; MBA on Credit Costs; LO Strategy for Aging Buyers; Pulte and Grand Jury

11/25/2025 10:52 AM

Want better affordability? Lower house prices certainly helps, and this article states that more than half of homes in the United States have fallen in price in the last year. Forget interest rates: Certainly, there are fewer willing buyers when they know ahead of time that they may face increasing insurance, tax, or condo fees. (Lenders are doing ...Read More

10yr Flirting With 4.0%, But Not Because of Data

11/25/2025 7:53 AM

ADP"s weekly employment report showed another contraction at -13.5k, but unlike last week, no one seems to care. We also got the delayed release of Retail Sales with a notably weak -0.1 vs 0.3 control group, and backlogged PPI that was just a hair cooler than expected. There too, zero bond market reaction. Thanksgiving week trading vibes are in ful...Read More

Lowest Yields in Almost 4 Weeks Despite Ongoing Stock Market Recovery

11/24/2025 3:39 PM

Lowest Yields in Almost 4 Weeks Despite Ongoing Stock Market Recovery There"s no question that stock prices and bond yields have had more than the normal amount of correlation recently. While that created some risk of a bond market weakness in the event of a stock market correction, those fears are proving ...Read More

Mortgage Rates Slightly Lower to Start Holiday-Shortened Week

11/24/2025 3:15 PM

Thanksgiving weeks can be weird for mortgage rates. This has to do with the fact that rates are dictated by the bond market and the bond market depends on real live people who can actually be out of the office on holiday weeks. The lighter levels of participation can increase volatility and cause random movement for no apparent reason. We"ll cross...Read More

HELOC, CES, Automation, Climate Analysis Products; Webcasts and Training This Week

11/24/2025 10:45 AM

“Remember to bring up politics at Thanksgiving to save some money on Christmas presents.” “What do tornadoes and Tennessee divorces have in common? Someone"s going to lose a mobile home.” (My father’s family is from there, so I can use that one.) Mobile homes are one segment of the manufactured home biz, and at the other end of the scale there are ...Read More

Bonds Inch to Best Levels in Over 3 Weeks

11/24/2025 9:04 AM

It"s a data-free Monday on a holiday-shortened week and there aren"t any high-impact headlines or massive stock swings to spark any serious bond market movement. Nonetheless, bonds have found a reason to rally ever-so-slightly this morning. Because yields were already at the low end of November"s range on Friday afternoon, the result is that today"...Read More

Bonds Hold Gains Despite Ongoing Recovery in Stocks

11/21/2025 2:04 PM

Bonds Hold Gains Despite Ongoing Recovery in Stocks The stock market factored into the bond market"s performance on Friday.  In pre-market trading stocks managed a big bounce after NY Fed"s Williams spoke favorably about December"s rate cut potential. Bonds benefited from that comment initially, but th...Read More

Mortgage Rates Nudge Lower to Remain In The Same Old Range

11/21/2025 12:53 PM

Recent stock market losses have gotten a lot attention in the news recently. While there"s no reliable correlation between stocks and interest rates, when stock losses are as big as they have been recently, it increases the tendency for rates to move in the same direction.  That was definitely the case today. Bonds (which dictate rates) impro...Read More

Small Steps Higher, Same Stubbornly Low Territory for Existing Home Sales

11/21/2025 12:45 PM

Existing-home sales posted another modest gain in October, rising 1.2% to a seasonally adjusted annual rate of 4.10 million , according to the National Association of Realtors (NAR). Sales are now 1.7% higher than a year ago as lower mortgage rates helped offset the drag from the government shutdown. Demand continues to run stronger than it did th...Read More

Rising Rates Pull Applications Lower, but Year-Over-Year Gains Hold Firm

11/21/2025 12:37 PM

Mortgage applications moved lower last week as rates continued drifting higher for a third straight week. MBA’s Weekly Applications Survey for the week ending November 14 showed a 5.2% drop in total volume on a seasonally adjusted basis and a 7% decline unadjusted. The Refinance Index fell 7% from the previous week but is still running 125% above ...Read More

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