Steeper-than-expected December mortgage lock volume drop as seasonality, shutdown uncertainty, and stubborn rates keep ...

Refinances accounted for 37% of December 2025 mortgage locks, with total volume up 30% year over year, per Optimal Blue.

Mortgage rates continued their downward trajectory at the start of 2024, incentivizing homebuyers to apply for loans. Meanwhile, an easing of the inventory shortage foreshadows the possible return of ...