Existing-home sales extended their recent stabilization in November, rising 0.5% to a seasonally adjusted annual rate of 4.13 million , according to the National Association of Realtors (NAR). This is the 3rd straight increase and annualized sales are at their highest level in 8 months. The catch is that--much like several other housing metrics--Existing Sales have been stuck in the lowest of gears since late 2022. As long as we continue to operate in this range, it's difficult to draw any conclusions about bigger picture momentum. “Existing-home sales increased for the third straight month due to lower mortgage rates this autumn,” said NAR Chief Economist Lawrence Yun. “However, inventory growth is beginning to stall. With distressed property sales at historic lows and housing wealth at an all-time high, homeowners are in no rush to list their properties during the winter months.” Regional Breakdown (Sales and Prices, November 2025) Region Sales (annual rate) MoM Change Median Price YoY Change Northeast 510k +4.1% $480,800 +1.1% Midwest 970k -2.0% $319,400 +5.8% South 1.89m +1.1% $361,000 +0.8% West 760k 0.0% $618,900 -0.9%

December 19, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.25% +0.03%   6.13% 7.26% 15 Yr. Fixed 5.75% +0.01%   5.6% 6.59% 30 Yr. Jumbo 6.41% +0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Dec 19, 2025 Mortgage Rates Just Off 2-Week Lows Fri, Dec 19, 2025 4:09PM It ended up being a fairly uneventful day for mortgage rates despite scattered speculation about the impact of foreign monetary policy decisions. The average lender nudged just a hair higher, resulting in the 2nd lowest reading of the week. Apart from yesterday, the last day with lower rates was more than 2 weeks ago on December 4th. The coming week will be heavily affected by the realities of the holiday trading environment. There's no repeatable formula for this. We simply widen the range of potential rate movement that occurs for no apparent reason. Most of the time, rates simple drift aim... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.25% +0.03 0.00 15 Yr. Fixed 5.75% +0.01 0.00 30 Yr. FHA 5.88% +0.02 0.00 30 Yr. Jumbo 6.41% +0.01 0.00 7/6 SOFR ARM 5.82% +0.02 0.00 30 Yr. VA 5.89% +0.02 0.00 Updates Daily - Last Update: 12/19 Freddie Mac Rate Change Points 30 Yr. Fixed 6.21% -0.01 0.00 15 Yr. Fixed 5.47% -0.07 0.00 Updates Weekly - Last Update: 12/18 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 99.67 -0.06   95.05 100.11 UMBS 30YR 5.5 101.26 -0.04   97.47 101.40 10 YR Treasury 4.140 +0.019   3.932 4.780 Slightly Weaker. No, It's Not Japan Fri, Dec 19, 2025 10:12AM There was a fair amount of momentum among financial news sources regarding the potential significance of last night's Bank of Japan (BOJ) announcement to the U.S. bond market. While it was clearly relevant for Japan, it's hard to make the case that it had any impact on overnight Treasury trading.  It's always worth remembering that Japan's biggest impac... (read more) MBS Price Change UMBS 4.5 97.56 -0.05 UMBS 5.0 99.67 -0.06 UMBS 5.5 101.26 -0.04 GNMA 4.5 97.41 -0.07 GNMA 5.0 99.68 -0.10 GNMA 5.5 100.91 -0.04 Pricing as of: 12/20 10:30AM EST US Treasury Yield Change 2 YR Treasury 3.481 +0.018 5 YR Treasury 3.688 +0.026 7 YR Treasury 3.897 +0.023 10 YR Treasury 4.140 +0.019 30 YR Treasury 4.821 +0.017 Pricing as of: 12/20 10:30AM EST Other News Highest Existing Home Sales in 8 Months But Don't Get Excited Fri, Dec 19, 2025 1:55PM Existing-home sales extended their recent stabilization in November, rising 0.5% to a seasonally adjusted annual rate of 4.13 million , according to the National Association of Realtors (NAR). This is the 3rd straight increase and annualized sales are at their highest level in 8 months. The catch is that--much like several other housing metrics--Existing S... (read more) Three Straight Months of Improvement in Builder Confidence, But There's a Catch Fri, Dec 19, 2025 1:39PM The December National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) edged up one point to 39. This is the 3rd straight month of improvement in the index--a development that could be confused for something encouraging.  But the reality is that builder confidence is merely drifting along just barely above the lowest levels in ... (read more) Credit Review, HELOC, 2nd Products; Freddie and Fannie News; Cap. Markets Fri, Dec 19, 2025 11:45AM Lender and Broker Services, Products, and Software Newrez Wholesale has enhanced its partner protection program with Newrez Broker Protect, delivering broader and longer coverage for approved partners. Starting January 1, 2026, all approved broker partners receive 18 months of solicitation protection on funded Agency and Government loans. RezClub members g... (read more) Latest Video November home sales struggle as supply stalls CPI comes in at 2.7% year over year Consumer sentiment revised lower to 52.9 in December Watch CNBC's full interview with New York Fed President John Williams Around the Web CNBC November home sales struggle as supply stalls CNBC NY Fed President Williams says some 'technical factors' distorted November's CPI reading downward CNBC Trust these numbers? Economists see a lot of flaws in delayed CPI report showing downward inflation CNBC Heres the inflation breakdown for November 2025 in one chart CNBC Treasury yields inch higher as investors digest cooler inflation data Calculated Risk Blog YoY Measures of Inflation: Services, Goods and Shelter Calculated Risk Blog Hotels: Occupancy Rate Decreased 1.6% Year-over-year DOL UNEMPLOYMENT INSURANCE WEEKLY CLAIMS CNBC House passes bill to ease permits for building out AI infrastructure Calculated Risk Blog Review: Ten Economic Questions for 2025 Eye on Housing Lumber Capacity Lower Midway Through 2025 Philadelphia Fed Philadelphia Fed Manufacturing Index Decreased to -10.20 in December Calculated Risk Blog Weekly Initial Unemployment Claims Decrease to 224,000

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