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Mortgage Rates Dip 10 Basis Points on November 13, 2025
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Published in House and Home on Friday, November 14th 2025 at 1:50 GMT by Daily Press- 🞛 This publication is a summary or evaluation of another publication
- 🞛 This publication contains editorial commentary or bias from the source
Mortgage Rates on November 13, 2025: A Summary of the Daily Press Report
On Monday, November 13, 2025, the Daily Press published a concise but information‑rich snapshot of current mortgage rates. The article – which was part of the outlet’s regular “Mortgage Rates” series – provided the most recent numbers for the most common loan products, highlighted recent movements, and offered context about why rates were shifting the way they were. Below is a full summary of the key points, including figures, trends, and the broader economic backdrop that the piece discussed.
1. Current Rate Snapshot
| Loan Type | Rate (as of 9:30 a.m. ET) | Change from Yesterday |
|---|---|---|
| 30‑Year Fixed | 7.13 % | ↓ 0.10 pp |
| 15‑Year Fixed | 6.54 % | ↓ 0.10 pp |
| 5/1 ARM | 6.79 % | ↓ 0.10 pp |
| 10‑Year Fixed | 7.25 % | ↓ 0.10 pp |
All figures are averages across the main national lenders (Fannie Mae, Freddie Mac, and the mortgage‑banking‑industry consortium).
The headline for the day was the slight, yet meaningful, 10‑basis‑point drop in all four benchmarks. That was the first decline in rates in a three‑day stretch, and the article noted that the move was largely attributed to a modest easing in the U.S. Treasury yield curve, especially the 10‑year yield which had slipped from 3.70 % to 3.62 %.
2. Why the Rates Fell
The Daily Press editorial commentary cited several interlocking factors:
Federal Reserve Signal – On Friday, the Fed’s policy statement included an “in‑depth” discussion of upcoming interest‑rate cuts. While the actual policy rate remained unchanged, the language was interpreted by market participants as a sign that the central bank was comfortable taking “additional accommodative measures” if inflation continued to slow. This expectation exerted downward pressure on the mortgage‑backed securities market.
Inflation Outlook – The latest CPI report, released the night before, had shown a year‑over‑year inflation rate of 3.6 %, below the Fed’s 2‑year target. The article linked to the Bureau of Labor Statistics release, which the Daily Press summarized as “suggesting a possible easing in the inflation‑rate‑gap.”
Treasury Yield Movement – The 10‑year Treasury yield, a key benchmark for mortgage rates, dipped 8 basis points in the overnight session. The Daily Press followed a link to the Treasury Department’s Treasury Yield Curve data, noting that the yield had been trending downwards over the past week as investors sought safe‑haven assets amid global market volatility.
Housing Market Sentiment – A recent Consumer Confidence survey (link included) showed a modest uptick in homeowner sentiment, hinting at a slightly more optimistic view of the housing market. When borrowers’ confidence rises, lenders can afford to reduce rates because of the expected uptick in demand.
3. Market Dynamics
Beyond the headline rates, the Daily Press article delved into the underlying dynamics of the mortgage market:
Supply of Mortgage‑Backed Securities (MBS) – The article noted that the MBS supply has been tightening due to lower originations during the last quarter. The supply squeeze tends to support higher MBS prices, which in turn depress mortgage rates.
Credit Conditions – The average DTI (Debt‑to‑Income) ratio for qualifying borrowers improved from 36.2 % to 35.9 % over the past month. This improvement was highlighted as a sign of stronger borrower health, allowing lenders to push slightly lower rates while still meeting underwriting standards.
Regional Variations – While the national averages are useful, the article stressed that regional rates can differ by 0.25 % or more. It linked to a “Regional Mortgage Rate Map” that the Daily Press maintains to illustrate such variations.
4. What This Means for Borrowers
The Daily Press included a practical section aimed at prospective homebuyers and refinance seekers:
Refinance Opportunities – Even a 0.1 % drop can translate into a $400–$800 saving over a 30‑year loan for a typical $300,000 mortgage. The article emphasized that borrowers with flexible loan terms should consider refinancing if they can lock in the lower rate.
Home‑Purchase Considerations – For buyers looking to purchase, a 7.13 % 30‑year fixed is still above the 6‑year average for the past decade, yet the downward trend suggests the potential for further easing. The article advised monitoring rates for at least a week before locking in a loan.
ARM vs. Fixed‑Rate – The 5/1 ARM rate was 6.79 %, slightly below the 15‑year fixed at 6.54 %. For borrowers who anticipate staying in a home for less than five years, the ARM could offer a lower introductory rate. The article linked to a “Mortgage Calculator” that the Daily Press provides for estimating payment differences.
5. Key Takeaways
- Rates dipped modestly: All benchmark mortgage rates fell 10 basis points, a sign of early-stage accommodative signals from the Fed.
- Inflation easing: CPI readings suggested a possible slowdown in inflation, encouraging rate cuts in the future.
- Treasury yields: The 10‑year Treasury yield decline was a major driver behind the mortgage rate drop.
- Borrower confidence: Improved consumer confidence and credit health support a positive outlook for mortgage demand.
- Actionable advice: Homebuyers and refinancers should keep an eye on the daily rates and consider locking in when rates are low.
The Daily Press article concluded by urging readers to visit its mortgage‑rate archive for historical trends and to consult a financial advisor before making any borrowing decisions.
6. Follow‑up Resources
The Daily Press linked to several external resources for readers who wanted deeper data:
- Federal Reserve Economic Data (FRED) – For the latest Treasury yield curves.
- Bureau of Labor Statistics (BLS) – For the most recent CPI reports.
- U.S. Treasury Department – For real‑time yield updates.
- Consumer Confidence Index (University of Michigan) – For borrower sentiment metrics.
- Mortgage Bankers Association – For industry‑wide underwriting standards.
These links provided a comprehensive backdrop for understanding why mortgage rates moved as they did on November 13, 2025.
Read the Full Daily Press Article at:
[ https://www.dailypress.com/2025/11/13/mortgage-rates-nov-13/ ]
