Welcome to the Midweek Update!
Included in this update are the following sections:
- Midweek Update
- Impact Calendar
- Mortgage Rate Prices
- Mortgage Spreads
- Rate Lock Guide
- Stock Markets (5-Day)
- Crypto Markets (7-Day)
- Precious Metals (5-Day)
Shop real-time mortgage rates anonymously and get instant qualification results at LendZen.com
NOVEMBER 26 ⏪
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Quiet trading has defined the short Thanksgiving week.
Bonds found a mild boost on Tuesday after PPI didn’t have any surprises, while retail sales missed expectations on Wednesday.
The weekly ADP payrolls data reinforced the soft-labor narrative that has helped mortgage rates improve slightly since the first week of November.
Most sectors are slightly better on the week, with volatility absent and trading volume thinning into the holiday break.
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IMPACT CALENDAR 📅
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Markets are closed tomorrow for Thanksgiving and will have a short day on Friday (2pm).
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Mortgage Rate Impact Calendar NOV 24 - 28 (THU)
**Events marked purple were rescheduled as a result of the shutdown
MORTGAGE RATE PRICES 📉
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Mortgage rates do not rise or fall, instead the PRICE of rates change.
The LendZen Index calculates a daily change in the price of mortgage rates by tracking a spectrum of mortgage-backed securities (MBS).
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- 24-Hour: +1 bps ($10 per $100K)
- 5-Day: -36 bps (-$358)
- 10-Day: -33 bps (-$325)
- 30-Day: -18 bps (-$179)
- 60-Day: -132 bps (-$1,319)
Learn more about the LendZen Index and explore the full data series at LendZen.substack.com
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LendZen Index Last 10-Days (November 26, 2025)
LendZen Index Trailing 30-Days (November 26, 2025)
MORTGAGE SPREADS 🧈
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Published daily with the LendZen Index is the LendZen Mortgage-Treasury Spread.
The LMTS uses actual bond yields to create a historically consistent, and reliable, data set.
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- Nov 19: 1.12
- Nov 26: 1.09
- 24h: +4 bps
- 5d: -3 bps
- 12m Avg: 1.25
- YoY: -28 bps
Learn more about the importance of accurately calculating spreads on this Reddit post.
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LMTS Spread (Inverted) + 10-Year Treasury Note
RATE LOCK GUIDE 🔒
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The LendZen LOCK-O-METER provides borrowers with a risk-weighted score based on how various macroeconomic events, including market data, central bank announcements, and geopolitics, each historically impacts the price of bonds.
higher risk scores = lean towards locking
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Closing Window
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[ 15 Days ] — 73 🟠
Holiday liquidity keeps risk tilted toward locking; any stray headline could trigger outsized moves in thin markets.
[ 30 Days ] — 63 🟠
It has been a steady, but fragile improvement, as bonds hold small weekly gains. December’s FOMC and NFP looming will be the next market movers to watch.
[ 45 Days ] — 54 🟡
December volatility risks fade slightly depending on the results of the FOMC and NFP. Revisit your lock strategy after markets process the Fed rate decision and November econ data.
[ 60 Days ] — 42 🟡
The longer view remains in float territory if econ data stays bond supportive and mortgage rate prices hold below the August NFP levels.
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LendZen Lock-O-Meter Risk Scores (November 26, 2025)
STOCK MARKETS (5-Day) 📊
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- DJIA: 47,418 (+3.53%)
- S&P 500: 6,812 (+3.92%)
- NASDAQ: 25,233 (+4.55%)
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S&P 500 Index (USD) 5-Day Change - November 26, 2025
CRYPTO (7-Day) 🧮
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- Bitcoin: $89,822 (-3.27%)
- Ethereum: $3,019 (-3.31%)
- Solana: $143 (+1.78%)
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Bitcoin Price (USD) 7-Day Change - November 26, 2025
PRECIOUS METALS (5-Day) 🪙
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- Gold: $4,163 (+2.22%)
- Silver: $53.24 (+3.66%)
- Platinum: $1,585 (+3.19%)
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Gold Spot Price (USD) 5-Day Change - November 26, 2025
NEXT STEPS ✅
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- Mortgage rates change daily – customize a rate quote that updates automatically and revisit your current options anytime with just one-click and no human interaction at LendZen.com
- If you prefer having a rate quote scenario created for you visit this Reddit post.
- You can also check current rates for a variety of loan scenarios at this Reddit post.
- See how to instantly find the best mortgage deal in this Reddit post.
LEARN MORE 🧠
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- For mortgage insights like this post please join the Home Mortgage Rates Subreddit.
- Got a specific mortgage question? Post it in the “Mortgage Talk” Reddit thread.
- Track the daily change in mortgage rates across a variety of time series at LendZenIndex.com
- Learn more about breakeven timelines and when to refinance by visiting this Reddit post.
- Be more in control of when to lock your rate by reading this Reddit post.
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