Mortgage rate movement remains stuck in neutral as 2025 comes to an end, but the U.S. housing market has shown signs of life during a traditionally slow period.

On Monday, Mortgage News Daily reported an average 30-year fixed rate of 6.19%, down 5 basis points from a week earlier. And on Tuesday, HousingWire’s Mortgage Rates Center, which analyzes locked loans across all credit profiles, showed an average 30-year conventional loan rate of 6.36%, down 1 bps from a week ago.

The impact of stable mortgage rates was evident in November’s pending home sales data from the National Association details ⇒