Sometimes being tuned into daily mortgage rate changes means coming across other news about financial markets. In today's case, that could expose you to anything from the massive selling of certain stocks earlier in the day or the unprecedented trading levels in various commodities.  While the financial market buzz may be centered on silver and gold (and Microsoft, today), mortgage rates drifted quietly sideways. That's no surprise considering rates are based on trading in the bond market and bonds were roughly unchanged. This keeps the average top tier 30yr fixed rate at 6.16%.  Apart from the week of Jan 12-16th, this is right in line with the lowest levels going back to early 2023.

January 29, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.16% +0.00%   6.01% 7.13% 15 Yr. Fixed 5.75% +0.00%   5.55% 6.5% 30 Yr. Jumbo 6.34% -0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 29, 2026 Mortgage Rates Hold Steady Despite Volatility in Other Markets Thu, Jan 29, 2026 3:59PM Sometimes being tuned into daily mortgage rate changes means coming across other news about financial markets. In today's case, that could expose you to anything from the massive selling of certain stocks earlier in the day or the unprecedented trading levels in various commodities.  While the financial market buzz may be centered on silver and gold (and Microsoft, today), mortgage rates drifted quietly sideways. That's no surprise considering rates are based on trading in the bond market and bonds were roughly unchanged. This keeps the average top tier 30yr fixed rate at 6.16%.  A... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.16% 0.00 0.00 15 Yr. Fixed 5.75% 0.00 0.00 30 Yr. FHA 5.81% -0.01 0.00 30 Yr. Jumbo 6.34% -0.01 0.00 7/6 SOFR ARM 5.62% 0.00 0.00 30 Yr. VA 5.83% -0.01 0.00 Updates Daily - Last Update: 1/29 Freddie Mac Rate Change Points 30 Yr. Fixed 6.10% +0.01 0.00 15 Yr. Fixed 5.49% +0.05 0.00 Updates Weekly - Last Update: 1/29 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 5.0 100.07 -0.04   95.71 100.50 UMBS 30YR 5.5 101.45 -0.02   98.11 101.64 10 YR Treasury 4.232 -0.010   3.932 4.608 Weaker After Econ Data, But Bonds May Be Looking Elsewhere Thu, Jan 29, 2026 9:51AM Continued jobless claims dropped to the lowest level since October 2024 and bonds are selling off a bit.  Those two things may seem like they're clearly connected, but the selling didn't start for another 15 minutes after the data and the most noticeable selling has taken place in the past 15 minutes (almost a full hour after the data). As for a scapego... (read more) MBS Price Change UMBS 4.5 98.10 -0.06 UMBS 5.0 100.05 -0.06 UMBS 5.5 101.42 -0.05 GNMA 4.5 97.70 -0.07 GNMA 5.0 100.03 -0.01 GNMA 5.5 101.14 +0.02 Pricing as of: 1/29 5:39PM EST US Treasury Yield Change 2 YR Treasury 3.559 -0.009 5 YR Treasury 3.813 -0.014 7 YR Treasury 3.996 -0.032 10 YR Treasury 4.233 -0.009 30 YR Treasury 4.855 -0.001 Pricing as of: 1/29 5:39PM EST Other News Property Database, Construction Products; Attorney Mitch Kider Thought Leadership; STRATMOR on AI Thu, Jan 29, 2026 11:20AM Fans of MASH know that Alan Alda turned 90 yesterday, and the remaining actors from the show joined him on the beach. When you reach a certain age you don’t care about the employment picture. Amazon laying off another 16,000, as announced this week, won’t help anyone’s “the economy is doing great” argument. As economist Elliot Eisenberg points out, “The most... (read more) Latest Video Expect the Fed to stand pat for a few meetings, says Roger Ferguson U.S. factory orders rise 2.7% in November Former Atlanta Fed Pres. Dennis Lockhart: Financial instability risks are r... Watch CNBC's full interview with Treasury Secretary Scott Bessent Around the Web CNBC Trade balance soared 94% in November and was higher than a year ago, despite tariff efforts CNBC Apartment rents just dropped to the lowest level in 4 years CNBC Homebuyers are backing out of deals at the fastest pace in nearly a decade Investing Live US initial jobless claims 209K vs 205K expected CNBC Mortgage demand drops 8.5%, as interest rates swell to the highest level in 3 weeks CNBC Fed holds key interest rate steady as economic view improves CNBC U.S. Treasury yields move higher ahead of Fed's interest rate decision CNBC U.S. 10-year Treasury yields rise as investors weigh Fed decision Eye on Housing State-Level Employment Situation: December 2025 University of Michigan US Consumer Confidence Weakens in January PR Newswire U.S. private employers added an average of 7,750 jobs per week Realtor.com Home Values Show Tepid Growth as South and West Continue to Lag FHFA FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year

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