Mortgage rates may not be as low as they were before the weekend's geopolitical headlines, but they've moved just a hair lower on each of the past two days. Specifically, our daily rate index is down to 6.19% after starting the week at 6.21% on Tuesday (up from 6.07% last Friday). While there was a large glut of seemingly important economic data today, it didn't have a noticeable impact on the bond market. Part of the reason is that the data in question is very stale at this point.  The most recent monthly data covered November and the GDP release was for Q3 (July-Sep). Timeliness aside, the data was also very close to forecasts. There's even less on the calendar tomorrow, but markets remain susceptible to geopolitical risk and any headlines that speak to the fiscal outlook (tariffs, spending, etc). 

January 22, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.19% -0.01%   6.01% 7.13% 15 Yr. Fixed 5.76% +0.00%   5.55% 6.52% 30 Yr. Jumbo 6.38% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 22, 2026 Another Micro-Victory For Mortgage Rates Thu, Jan 22, 2026 3:40PM Mortgage rates may not be as low as they were before the weekend's geopolitical headlines, but they've moved just a hair lower on each of the past two days. Specifically, our daily rate index is down to 6.19% after starting the week at 6.21% on Tuesday (up from 6.07% last Friday). While there was a large glut of seemingly important economic data today, it didn't have a noticeable impact on the bond market. Part of the reason is that the data in question is very stale at this point.  The most recent monthly data covered November and the GDP release was for Q3 (July-Sep). Timeliness aside,... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.19% -0.01 0.00 15 Yr. Fixed 5.76% 0.00 0.00 30 Yr. FHA 5.86% -0.02 0.00 30 Yr. Jumbo 6.38% 0.00 0.00 7/6 SOFR ARM 5.71% 0.00 0.00 30 Yr. VA 5.88% -0.01 0.00 Updates Daily - Last Update: 1/22 Freddie Mac Rate Change Points 30 Yr. Fixed 6.09% +0.03 0.00 15 Yr. Fixed 5.44% +0.06 0.00 Updates Weekly - Last Update: 1/22 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 99.93 +0.05   95.71 100.50 UMBS 30YR 5.5 101.31 +0.04   98.11 101.64 10 YR Treasury 4.227 -0.015   3.932 4.630 No Reaction to Early Data, But Slightly Weaker Overnight Thu, Jan 22, 2026 9:40AM Bonds found a bid along with stocks yesterday afternoon after Trump announced a "framework of a deal" on Greenland.  Markets were much less interested in U.S. access and more concerned with pausing the more immediate market-related implications (new tariffs and changes in foreign demand for Treasuries). This notion was reinforced this morning as there w... (read more) MBS Price Change UMBS 4.5 97.96 +0.08 UMBS 5.0 99.94 +0.06 UMBS 5.5 101.32 +0.05 GNMA 4.5 97.59 +0.02 GNMA 5.0 99.77 -0.01 GNMA 5.5 100.95 +0.02 Pricing as of: 1/23 8:30AM EST US Treasury Yield Change 2 YR Treasury 3.600 -0.001 5 YR Treasury 3.832 -0.011 7 YR Treasury 4.026 -0.011 10 YR Treasury 4.229 -0.013 30 YR Treasury 4.824 -0.010 Pricing as of: 1/23 8:30AM EST Other News Property Data, Construction Products; Webinars and Training; STRATMOR on Operational Readiness Thu, Jan 22, 2026 11:49AM Products, Services, and Software for Brokers and Lenders Curious when a shift from best efforts to mandatory delivery makes sense or how to sharpen an existing hedging strategy? Optimal Blue’s Hedging 101: The Benefits of Mandatory Delivery offers a clear look at the fundamentals that shape effective secondary marketing execution. In this Jan. 27 session, ... (read more) Latest Video November personal income up 0.3% vs. 0.4% estimated Homebuilder sentiment comes in lower than expected in January Fed's Bowman: Fed should remain ready to adjust policy toward neutral unles... December industrial production beats expectations Around the Web Eye on Housing House Prices Decline in Local Markets Despite National Growth CNBC Rieder odds rising for Fed chair after Trump calls BlackRock executive 'very impressive' Investing Live US November PCE inflation 2.8% vs 2.7% expected CNBC Trump says he reached Greenland deal 'framework' with NATO, backs off Europe tariffs BEA GDP Increased at an Annual Rate of 4.4 Percent in Q3 2025 CNBC Mortgage refinances surged again, but rates are now suddenly jumping higher Investing Live US initial jobless claims 200K vs 210K expected The White House Stopping Wall Street From Competing With Main Street Homebuyers CNBC Treasury yields decline as investors await Fed's preferred inflation gauge NAR NAR Pending Home Sales Report Shows 9.3% Decrease in December CNBC European lawmakers suspend U.S. trade deal amid Greenland tariff tensions Eye on Housing Private Residential Construction Spending Edges Higher in October on Home Improvements Eye on Housing Single-Family Permits Cooled in the Fall

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