Markets held more sideways overnight as traders awaited further geopolitical developments today surrounding Greenland. Both stocks and bonds lost ground yesterday on the threat of additional tariffs (and counter-tariffs) as well as decreased participation in the US bond market from foreign wealth funds.  When bonds lose ground, rates move higher.  Bond market improvement was tentative earlier in the day but more noticeable in the afternoon when Trump announced "the framework of a deal" just after 2:30pm ET.  Both stocks and bonds rallied on the news. Up until that point, mortgage rates were holding right in line with yesterday's latest levels, but some lenders are offering mid-day improvements this afternoon.

January 21, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.20% -0.01%   6.01% 7.13% 15 Yr. Fixed 5.76% +0.01%   5.55% 6.52% 30 Yr. Jumbo 6.38% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 21, 2026 Mortgage Rates Sideways to Slightly Lower Wed, Jan 21, 2026 3:09PM Markets held more sideways overnight as traders awaited further geopolitical developments today surrounding Greenland. Both stocks and bonds lost ground yesterday on the threat of additional tariffs (and counter-tariffs) as well as decreased participation in the US bond market from foreign wealth funds.  When bonds lose ground, rates move higher.  Bond market improvement was tentative earlier in the day but more noticeable in the afternoon when Trump announced "the framework of a deal" just after 2:30pm ET.  Both stocks and bonds rallied on the news. Up until that point, mort... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.20% -0.01 0.00 15 Yr. Fixed 5.76% +0.01 0.00 30 Yr. FHA 5.88% 0.00 0.00 30 Yr. Jumbo 6.38% 0.00 0.00 7/6 SOFR ARM 5.71% -0.01 0.00 30 Yr. VA 5.89% -0.01 0.00 Updates Daily - Last Update: 1/21 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 99.94 +0.00   95.71 100.50 UMBS 30YR 5.5 101.30 -0.01   98.11 101.64 10 YR Treasury 4.242 +0.001   3.932 4.630 Calmer Day so Far, But No Relief From Recent Rout Wed, Jan 21, 2026 10:47AM With mortgage rates right where they were 2 weeks ago, things could be worse. But after rising 20bps from last week's lows, things could also certainly be better.  A vast majority of recent volatility was seen at the start of the holiday-shortened week yesterday with a move that left no doubt as to the range breakout in 10yr yields. Geopolitical issues ... (read more) MBS Price Change UMBS 4.5 97.98 -0.04 UMBS 5.0 99.94 0.00 UMBS 5.5 101.30 -0.01 GNMA 4.5 97.48 -0.01 GNMA 5.0 99.77 -0.01 GNMA 5.5 100.93 -0.04 Pricing as of: 1/22 5:18AM EST US Treasury Yield Change 2 YR Treasury 3.593 +0.005 5 YR Treasury 3.827 +0.005 7 YR Treasury 4.030 +0.003 10 YR Treasury 4.242 +0.002 30 YR Treasury 4.855 -0.005 Pricing as of: 1/22 5:18AM EST Other News Latest Video Fed's Bowman: Fed should remain ready to adjust policy toward neutral unles... Homebuilder sentiment comes in lower than expected in January Former Dallas Fed Pres. Kaplan: The Fed won't cut rates until they see impr... December industrial production beats expectations Around the Web CNBC Trump says he reached Greenland deal 'framework' with NATO, backs off Europe tariffs CNBC Mortgage refinances surged again, but rates are now suddenly jumping higher The White House Stopping Wall Street From Competing With Main Street Homebuyers NAR NAR Pending Home Sales Report Shows 9.3% Decrease in December CNBC Danish pension fund to sell $100 million in Treasuries, citing 'poor' U.S. government finances CNBC European lawmakers suspend U.S. trade deal amid Greenland tariff tensions Eye on Housing New Single-Family Home Size Trends: Third Quarter 2025 CNBC Europe weighs using trade ‘bazooka’ against the U.S. as Greenland crisis deepens Investing Live Dollar drops further as the fallout from Trump's Greenland tariffs continues Eye on Housing Private Residential Construction Spending Edges Higher in October on Home Improvements CNBC Treasury yields inch lower as investors monitor escalating trade tensions Eye on Housing Third Quarter 2025 Multifamily Construction Data Eye on Housing Single-Family Permits Cooled in the Fall

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