There's been some surprisingly good news in the mortgage rate climate this year. But "could" doesn't mean definitely. And, if there's one thing homebuyers and homeowners looking to refinance can agree ...

Rate lock volume is now down are now down 30% over the past three months and 61% YOY. October’s pipeline data showed overall rate lock dollar volume down 14.3% month over month and at the lowest level ...

Optimal Blue’s October 2025 Mortgage Data Report shows rate-lock activity stayed strong despite seasonal slowing. Total locks fell 4.2% from September but rose 18% year-over-year. Purchase activity ...

- While rate locks on cash-out refinances (-0.3%) and purchase loans (+0.4%) remained relatively flat in October, overall volumes fell by 5.9% due to a more than 23% decline in rate/term refinance ...