전망·동향
Housing Finance Watch (Week 45, 2025)
Key takeaways:
- The median purchase rate held steady at 6.125% in week 45, 2025.
- According to Mortgage News Daily, the avg. 30-year rate was 6.34% on November 10th.
- Purchase rate lock volume remains muted, down 22% from the same week in 2019, sharply below the 2020 & 2021 levels, and up a moderate 2% YoY.
- Preliminary YoY HPA was 1.5% in September 2025 and projected at 1.0%, 0.5%, and 0.1% for Oct. 2025, Nov. 2025, and the first week of Dec. 2025, respectively.
- Projected YoY HPA has slowed to near zero, largely due to subdued purchase activity, relatively high rates and inventory, and a diminishing pool of well-qualified entry-level buyers.
- The median purchase rate held steady at 6.125% in week 45, 2025.
- According to Mortgage News Daily, the avg. 30-year rate was 6.34% on November 10th.
- Purchase rate lock volume remains muted, down 22% from the same week in 2019, sharply below the 2020 & 2021 levels, and up a moderate 2% YoY.
- Preliminary YoY HPA was 1.5% in September 2025 and projected at 1.0%, 0.5%, and 0.1% for Oct. 2025, Nov. 2025, and the first week of Dec. 2025, respectively.
- Projected YoY HPA has slowed to near zero, largely due to subdued purchase activity, relatively high rates and inventory, and a diminishing pool of well-qualified entry-level buyers.
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