Is AT&T not putting the ends and cable lines on Cat 5 in residential houses

they put ends in one location once service is ordered and installed they arent going to terminate every cable in the house, thats up to you or hire a low voltage contractor .

Ethernet cable termination was included in my new home build. 

@browndk26 by at&t or the builder? when i was installing we only terminated the cable from the gateway to one computer 

By my builder. 

You can get modular ends that don't require a crimping tool, but I don't like them. 

I prefer terminating the lines in a patch panel strip.  Might need a punch down tool, though.

In any case, room-to-room wiring is not the responsibility of the ISP.  They may do one room as a courtesy.  

Yes, small patch panels aren't all that expensive, less than a crimper.