Mortgage rates trickled modestly lower again today for the 4th straight business day on Monday. The average top-tier 30yr fixed rate is the lowest it's been since January 16th. The only catch is that it was quite a bit lower 2 weeks ago. Compared to today's mark of 6.17% on MND's daily rate index, mid-January lows ranged from 5.99 to 6.07%.  Note: in the following chart, 6.01 is the lowest mark, but in intraday terms, January 9th saw 5.99 for the better part of the day. [thirtyyearmortgagerates] There were no major source of volatility today and the week ahead is generally lacking in terms of potential sources. Even Wednesday's Fed announcement is unlikely to have much of an impact this time around as the outcome is already fully priced in by financial markets. Specifically, the Fed is not cutting rates at this meeting and there's not much they can say that hasn't already been said multiple times in recent Fed speeches.

January 26, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.17% -0.02%   6.01% 7.13% 15 Yr. Fixed 5.75% -0.01%   5.55% 6.5% 30 Yr. Jumbo 6.37% -0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 26, 2026 Lowest Mortgage Rates in Just Over a Week Mon, Jan 26, 2026 3:20PM Mortgage rates trickled modestly lower again today for the 4th straight business day on Monday. The average top-tier 30yr fixed rate is the lowest it's been since January 16th. The only catch is that it was quite a bit lower 2 weeks ago. Compared to today's mark of 6.17% on MND's daily rate index, mid-January lows ranged from 5.99 to 6.07%.  Note: in the following chart, 6.01 is the lowest mark, but in intraday terms, January 9th saw 5.99 for the better part of the day. [thirtyyearmortgagerates] There were no major source of volatility today and the week ahead is generally lacking in t... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.17% -0.02 0.00 15 Yr. Fixed 5.75% -0.01 0.00 30 Yr. FHA 5.82% -0.03 0.00 30 Yr. Jumbo 6.37% -0.01 0.00 7/6 SOFR ARM 5.70% -0.01 0.00 30 Yr. VA 5.84% -0.03 0.00 Updates Daily - Last Update: 1/26 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 5.0 100.05 +0.10   95.71 100.50 UMBS 30YR 5.5 101.41 +0.07   98.11 101.64 10 YR Treasury 4.213 -0.016   3.932 4.608 Starting Fairly Flat After Spicy But Stale Durable Goods Mon, Jan 26, 2026 9:05AM This week's only marquee calendar event is Wednesday's Fed announcement, and it's unclear what the Fed could possibly do or say to inspire much of a reaction at this meeting. That leaves the heavy lifting to be done by the likes of the Producer Price Index (PPI) on Friday--a report that often has no impact and only occasionally fills the role of support... (read more) MBS Price Change UMBS 4.5 98.13 +0.17 UMBS 5.0 100.05 +0.10 UMBS 5.5 101.41 +0.07 GNMA 4.5 97.78 +0.13 GNMA 5.0 99.98 +0.09 GNMA 5.5 101.05 +0.07 Pricing as of: 1/26 6:07PM EST US Treasury Yield Change 2 YR Treasury 3.590 -0.008 5 YR Treasury 3.821 -0.003 7 YR Treasury 4.013 -0.009 10 YR Treasury 4.213 -0.016 30 YR Treasury 4.802 -0.029 Pricing as of: 1/26 6:07PM EST Other News AI U/W, Borrower Retention Tools; Company-Sponsored Webinars and Training Mon, Jan 26, 2026 11:52AM Products, Services, and Software for Brokers and Lenders New detailed analysis on borrower retention suggests that recapture performance varies far more by execution than by market conditions. An analysis of lenders with $100M+ in annual loan volume and 10+ loan officers shows retention rates ranging from under 10% to more than 70%. Banks and credit unions... (read more) Latest Video Inflation likely to increase after midterms, says former Kansas City Fed Pr... Many housing market solutions right now are short-term, says Realtor’s Jake... Race for the next Fed chair: Here's the latest Consumer sentiment rises in January Around the Web AP News Trump housing finance chief OKs more mortgage spending and adds risk for government-backed lenders CNBC Treasury yields fall as investors look ahead to the Fed's interest rate decision Breaking The News US durable goods orders up by 5.3% in November Eye on Housing House Prices Decline in Local Markets Despite National Growth University of Michigan Current versus Pre-Pandemic Long Run Inflation Expectations CNBC Why a niche category of CRE lending is suddenly seeing record deals 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 Treasury yields lower as investors weigh the state of the U.S. economy BEA GDP Increased at an Annual Rate of 4.4 Percent in Q3 2025 Trading Economics US Manufacturing Shows Modest Momentum in January CNBC Treasury yields decline as investors await Fed's preferred inflation gauge Investing Live US initial jobless claims 200K vs 210K expected

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