October 27, 2025 Market Update Courtesy of Envoy Mortgage.

Market Spotlight

Week of October 27th, 2025 | #184

What You Need to Know

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KEY TAKEAWAY: Rates are holding near the lowest levels of 2025, but the combination of a government shutdown, choppy data, and this week’s Fed meeting means volatility could return fast.

After weeks of anticipation, last week’s inflation data finally hit—and it didn’t disappoint. Both headline and core CPI came in slightly below expectations, confirming inflation is cooling. Normally, that would drive rates sharply lower, but the market response was muted as traders weighed delayed data releases and temporary shutdown distortions. Mortgage rates hovered around 6.2%, their lowest since late 2022.

This week, the spotlight shifts to the Federal Reserve’s rate decision and Chair Powell’s comments. The market expects a cut, but all eyes are on Powell’s tone—a hawkish message could erase gains, while a softer stance could push rates even lower.