Core Insights - The current market shows a contrasting trend compared to last year, with a rising rate environment last year and a more stable environment this year [2] Order Trends - Purchase orders for November are up 5% daily compared to last November, remaining essentially flat compared to October, which is unusual as orders typically decline in the second half of the year [2] - Refinance orders have increased significantly, up 54% compared to last November, reflecting the impact of rising rates last year [3]