Mortgage rates moved modestly lower for the average lender today, but higher for others. The distinction is whether the lender in question made a late-day adjustment yesterday afternoon.  At the time, the underlying market for mortgage bonds was improving somewhat sharply. This prompted several lenders to drop rates before the end of business. Those lenders had to bump rates back up this morning as the bond market was in weaker territory this morning.  Other lenders--those who didn't make any changes yesterday afternoon--were able to nudge rates modestly lower today as this morning's bond market levels were a bit better than yesterday morning's.  In the bigger picture, the average lender is still very close to 3-year lows. [thirtyyearmortgagerates]

January 15, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.04% -0.03%   6.01% 7.13% 15 Yr. Fixed 5.57% -0.01%   5.55% 6.52% 30 Yr. Jumbo 6.34% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 15, 2026 Mortgage Rates Higher For Some Lenders and Lower For Others Thu, Jan 15, 2026 3:25PM Mortgage rates moved modestly lower for the average lender today, but higher for others. The distinction is whether the lender in question made a late-day adjustment yesterday afternoon.  At the time, the underlying market for mortgage bonds was improving somewhat sharply. This prompted several lenders to drop rates before the end of business. Those lenders had to bump rates back up this morning as the bond market was in weaker territory this morning.  Other lenders--those who didn't make any changes yesterday afternoon--were able to nudge rates modestly lower today as this morning... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.04% -0.03 0.00 15 Yr. Fixed 5.57% -0.01 0.00 30 Yr. FHA 5.70% -0.04 0.00 30 Yr. Jumbo 6.34% 0.00 0.00 7/6 SOFR ARM 5.62% -0.07 0.00 30 Yr. VA 5.72% -0.04 0.00 Updates Daily - Last Update: 1/15 Freddie Mac Rate Change Points 30 Yr. Fixed 6.06% -0.10 0.00 15 Yr. Fixed 5.38% -0.08 0.00 Updates Weekly - Last Update: 1/15 Mortgage Bankers Assoc. 30 Yr. Fixed 6.18% -0.07 0.56 15 Yr. Fixed 5.60% -0.04 0.61 30 Yr. Jumbo 6.42% +0.10 0.43 Updates Weekly - Last Update: 1/14 UMBS 30YR 5.0 100.16 -0.25   95.36 100.50 UMBS 30YR 5.5 101.42 -0.10   97.76 101.64 10 YR Treasury 4.167 +0.035   3.932 4.655 Stronger Jobless Claims Leads to Early Selling Thu, Jan 15, 2026 8:40AM The weekly jobless claims data (not to be confused with the big monthly jobs report) is hit and miss when it comes to its propensity to move the bond market. On occasions where the results fall far from the forecast, we tend to see moderate reactions. Odds increase when the headline breaks under the psychological level of 200k.  With that, today's 198k ... (read more) MBS Price Change UMBS 4.5 98.33 -0.28 UMBS 5.0 100.16 -0.25 UMBS 5.5 101.40 -0.12 GNMA 4.5 97.99 -0.25 GNMA 5.0 100.03 -0.13 GNMA 5.5 101.03 -0.10 Pricing as of: 1/15 5:13PM EST US Treasury Yield Change 2 YR Treasury 3.566 +0.056 5 YR Treasury 3.770 +0.062 7 YR Treasury 3.963 +0.056 10 YR Treasury 4.171 +0.039 30 YR Treasury 4.796 +0.014 Pricing as of: 1/15 5:13PM EST Other News Hedging, Corresp. and Broker, Servicing, Quality Management, Fraud Prevention Products Thu, Jan 15, 2026 11:47AM While rumors swirl that Jerome Powell is paying his own legal bills while dealing with the DOJ, and the Administration is ruminating on using 401(k) or 529 funds to buy a home, in the land of “concrete news” the office-to-apartment and condo conversion trend is accelerating, with the number of units repurposed from office buildings more than tripling since 2... (read more) Latest Video Existing home sales end 2025 with a strong beat, as prices ease further Watch CNBC's full interview with Chicago Fed President Austan Goolsbee Philadelphia Fed President Paulson: Fed funds rate 'still a little restrict... November PPI 0.2% vs. 0.3% estimate Around the Web CNBC Mortgage refinance demand surges 40% higher after Trump post briefly tanks interest rates Breaking The News US initial jobless claims down by 9,000 to 198,000 Eye on Housing Existing Home Sales Climb to Near 3-Year High in December Investing Live NY Fed manufacturing index for January +7.70 vs +1.0 expected CNBC Commercial real estate deal-making slows again in November Federal Reserve Miran, Regulations, the Supply Side, and MonetaryPolicy NAR NAR Existing-Home Sales Report Shows 5.1% Increase in December Eye on Housing Remodeling Market Sentiment Strengthens in Fourth Quarter of 2025 Eye on Housing Building Material Price Growth Remains Elevated in November CNBC Wholesale inflation was softer than expected, retail sales moved higher in November CNBC Treasury yields nudge higher as investors monitor geopolitical uncertainty CNBC U.S. Treasury yields little changed as investors await more economic data Investing Live US November retail sales +0.6% vs +0.4% expected

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