Mortgage rates were little changed Friday morning while Treasury rates declined. Retail Sales fell by 2.8% in October, more than expected. Stocks moved sharply lower on the report. Freddie Mac posted a $25 billion loss in the third quarter and began tapping taxpayer funds. The Treasury provided $13.8 billion in exchange for preferred shares of the mortgage giant. Fannie Mae posted a $28 billion third quarter loss four days earlier. The Treasury has committed up to $100 billion rescue funds for each of the two entities.