Mortgage Rates Edge Higher But Remain in November Range

Mortgage rates went into the weekend with a small cushion thanks to movement in the bond market on Friday. Specifically, bonds improved after mortgage rates came out for the day. If the improvement had been sharper, mortgage lenders likely would have made a mid-day adjustment to slightly lower levels. The implication was that rates would have been slightly lower this morning if bonds managed to hold the same levels over the weekend. Unfortunately, bonds lost enough ground to overshadow Friday's cushion, just slightly. The net effect is an average top-tier 30yr fixed rate that is 0.02% higher versus Friday morning--a minimal change considering the day-over-day losses in the bond market. With that, the average lender remains well inside the the 0.10 range that's been in place since October 29th.  Bond markets are closed tomorrow for Veterans Day. When markets reopen on Wednesday, the prospects for ending the government shutdown may be coming into clearer view and that could cause enough market volatility to spill over into rates. If today's trading was any clue, a "reopening" event is more likely to put upward pressure on rates, but today's rate increase could already be reflecting those expectations. 

November 10, 2025 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.34% +0.02%   6.13% 7.26% 15 Yr. Fixed 5.84% +0.02%   5.6% 6.59% 30 Yr. Jumbo 6.41% +0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Nov 10, 2025 Mortgage Rates Edge Higher But Remain in November Range Mon, Nov 10, 2025 3:39PM Mortgage rates went into the weekend with a small cushion thanks to movement in the bond market on Friday. Specifically, bonds improved after mortgage rates came out for the day. If the improvement had been sharper, mortgage lenders likely would have made a mid-day adjustment to slightly lower levels. The implication was that rates would have been slightly lower this morning if bonds managed to hold the same levels over the weekend. Unfortunately, bonds lost enough ground to overshadow Friday's cushion, just slightly. The net effect is an average top-tier 30yr fixed rate that is 0.02% higher ... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.34% +0.02 0.00 15 Yr. Fixed 5.84% +0.02 0.00 30 Yr. FHA 6.06% +0.03 0.00 30 Yr. Jumbo 6.41% +0.01 0.00 7/6 SOFR ARM 6.04% +0.03 0.00 30 Yr. VA 6.08% +0.04 0.00 Updates Daily - Last Update: 11/10 Freddie Mac Rate Change Points 30 Yr. Fixed 6.22% +0.05 0.00 15 Yr. Fixed 5.50% +0.09 0.00 Updates Weekly - Last Update: 11/6 Mortgage Bankers Assoc. 30 Yr. Fixed 6.30% -0.07 0.58 15 Yr. Fixed 5.67% -0.07 0.61 30 Yr. Jumbo 6.38% -0.01 0.34 Updates Weekly - Last Update: 10/29 UMBS 30YR 5.0 99.36 -0.19   95.05 100.11 UMBS 30YR 5.5 100.89 -0.15   97.47 101.40 10 YR Treasury 4.114 +0.021   3.932 4.780 Shutdown Resolution in Sight. What Next? Mon, Nov 10, 2025 11:18AM If members of the House can make it back to D.C. in sufficient numbers, there's a real possibility that the shutdown will end this week. Some marketplace chatter is attempting to connect overnight bond market weakness to those prospects, but an early recovery suggests some skepticism (because the recovery didn't coincide with any new news on the shutdown). S... (read more) MBS Price Change UMBS 4.5 97.40 -0.15 UMBS 5.0 99.36 -0.19 UMBS 5.5 100.89 -0.15 GNMA 4.5 97.51 -0.09 GNMA 5.0 99.59 -0.10 GNMA 5.5 100.69 -0.07 Pricing as of: 11/10 4:06PM EST US Treasury Yield Change 2 YR Treasury 3.593 +0.033 5 YR Treasury 3.713 +0.033 7 YR Treasury 3.900 +0.030 10 YR Treasury 4.114 +0.021 30 YR Treasury 4.705 +0.008 Pricing as of: 11/10 4:06PM EST Other News Tax Service, Realtor Marketing, Debt Payment Tools; Curinos on Apps; Events and Training Mon, Nov 10, 2025 11:46AM “6-7!” has swept the nation for youngsters of indeterminant age, and for no real reason. Other numbers have meaning, as do dates. For example, today is November 10th and on this day in 1975, the freighter S.S. Edmund Fitzgerald sank in Lake Superior during a massive storm, killing all 29 of the crew. (Gordon Lightfoot memorialized the tragedy in a hit song t... (read more) Latest Video Fed Governor Stephen Miran: A 50 bps cut is ‘appropriate’ for December, but... Senate reaches bipartisan agreement to end government shutdown now in its 4... Consumer spending bounced back in October, CNBC/NRF Retail Monitor finds November preliminary consumer sentiment comes in light Around the Web CNBC Trump proposes 50-year mortgage, but some say homeowner savings would be minimal CNBC Government shutdown: House will vote on Senate deal ASAP, Speaker Johnson says CNBC The Trump Administration wants to allow crypto-backed mortgages. Here's why Pepperstone Light At The End Of The Government Shutdown Tunnel Calculated Risk Blog November ICE Mortgage Monitor: Home Prices "Firmed" in October, Up 0.9% Year-over-year Calculated Risk Blog Housing November 10th Weekly Update: Inventory Down 1.7% Week-over-week Eye on Housing Remodelers on the Rise: How Renovation is Reshaping Residential Construction CNBC Treasury yields rise as investors hope government shutdown is nearing end CNBC Consumer sentiment nears lowest level ever as worries build over shutdown Calculated Risk Blog Realtor.com Reports Median listing price "dipped slightly" year over year CNBC Student loan forgiveness notices are going out despite the shutdown what borrowers need to do next Calculated Risk Blog Revelio Labs: 9,100 Jobs Lost in October Eye on Housing Which Local Markets Track National Trends the Most: 2024 Multifamily MAI

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