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Brendan McKay of BAC revealed the main takeaways in a LinkedIn post

Mortgage applications up 6.3% before mortgage rates fall slightly over holiday weekend

The 5.2% increase from 2024's ceiling of $766,550 is less than 2024's 5.5%.

Agreements may limit the amount of clients brokers can attract.

"White-collar consumers" experiencing financial strain, compounded by ongoing slump in white-collar employment.

Consumer confidence is on the rise in November, however, particularly around labor conditions.

Zillow releases forecast for next year; notes 35% more home listings contain the word "cozy"

September may have been the closest to 6% that mortgage rates will be for awhile.