image 1 Moved by an almost imperceptible amount today. The improvement was enough to bring the average lender to the lowest levels since the end of August, 2018.In other words, these are the best rates in 4 months.

image 1 “Rob, should we be staffing up for another refi boom?” It seems like most lenders are pausing during the holidays to take stock of current staffing levels before adjusting them one way or another.

image 1 Yesterday’s 7-year Treasury Note auction was met with a much better demand than Wednesday’s 5-year Note sale.

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