Track Live Mortgage Rates
» Download our Mobile App
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.
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.
(view article)
| Rate | Points | Change | |
|---|---|---|---|
|
1/26/26
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.17% | -- | -0.02% |
| 15 Yr. Fixed | 5.75% | -- | -0.01% |
| 30 Yr. Jumbo | 6.37% | -- | -0.01% |
| 7/6 SOFR ARM | 5.70% | -- | -0.01% |
| 30 Yr. FHA | 5.82% | -- | -0.03% |
| 30 Yr. VA | 5.84% | -- | -0.03% |
|
1/22/26
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.09% | 0.00 | +0.03% |
| 15 Yr. Fixed | 5.44% | 0.00 | +0.06% |
|
1/14/26
MBA - weekly
|
|||
| 30 Yr. Fixed | 6.18% | 0.56 | -0.07% |
| 15 Yr. Fixed | 5.60% | 0.61 | -0.04% |
| 30 Yr. FHA | 6.08% | 0.68 | -0.01% |
| 30 Yr. Jumbo | 6.42% | 0.43 | +0.10% |
| 7/6 SOFR ARM | 5.42% | 0.49 | -0.48% |
| Change | 52 Week Range | |||||||
|---|---|---|---|---|---|---|---|---|
| Rate | Points | Previous | 1 Year | Low | High | |||
|
as of 1/26/26
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.17% | -- | -0.02% | -0.94% | 6.01% |
|
7.13% |
|
| 15 Yr. Fixed | 5.75% | -- | -0.01% | -0.76% | 5.55% |
|
6.50% |
|
| 30 Yr. Jumbo | 6.37% | -- | -0.01% | -1.00% | 6.10% |
|
7.45% |
|
| 7/6 SOFR ARM | 5.70% | -- | -0.01% | -1.24% | 5.59% |
|
7.25% |
|
| 30 Yr. FHA | 5.82% | -- | -0.03% | -0.72% | 5.69% |
|
6.53% |
|
| 30 Yr. VA | 5.84% | -- | -0.03% | -0.71% | 5.70% |
|
6.54% |
|
|
as of 1/22/26
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.09% | 0.00 | +0.03% | -0.95% | 6.06% |
|
6.96% |
|
| 15 Yr. Fixed | 5.44% | 0.00 | +0.06% | -0.83% | 5.38% |
|
6.16% |
|
|
as of 1/14/26
Mortgage Bankers Association - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.18% | 0.56 | -0.07% | -0.81% | 6.18% |
|
7.09% |
|
| 15 Yr. Fixed | 5.60% | 0.61 | -0.04% | -0.86% | 5.60% |
|
6.45% |
|
| 30 Yr. FHA | 6.08% | 0.68 | -0.01% | -0.57% | 6.08% |
|
6.80% |
|
| 30 Yr. Jumbo | 6.42% | 0.43 | +0.10% | -0.57% | 6.32% |
|
7.17% |
|
| 7/6 SOFR ARM | 5.42% | 0.49 | -0.48% | -0.56% | 5.40% |
|
6.48% |
|
