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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.
(view article)
| Rate | Points | Change | |
|---|---|---|---|
|
1/21/26
Mortgage News Daily - daily
|
|||
| 30 Yr. Fixed | 6.20% | -- | -0.01% |
| 15 Yr. Fixed | 5.76% | -- | +0.01% |
| 30 Yr. Jumbo | 6.38% | -- | +0.00% |
| 7/6 SOFR ARM | 5.71% | -- | -0.01% |
| 30 Yr. FHA | 5.88% | -- | +0.00% |
| 30 Yr. VA | 5.89% | -- | -0.01% |
|
1/15/26
Freddie Mac - weekly
|
|||
| 30 Yr. Fixed | 6.06% | 0.00 | -0.10% |
| 15 Yr. Fixed | 5.38% | 0.00 | -0.08% |
|
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 1/21/26
Mortgage News Daily - updated daily
|
||||||||
| 30 Yr. Fixed | 6.20% | -- | -0.01% | -0.88% | 6.01% |
|
7.13% |
|
| 15 Yr. Fixed | 5.76% | -- | +0.01% | -0.75% | 5.55% |
|
6.52% |
|
| 30 Yr. Jumbo | 6.38% | -- | +0.00% | -0.97% | 6.10% |
|
7.45% |
|
| 7/6 SOFR ARM | 5.71% | -- | -0.01% | -1.21% | 5.59% |
|
7.25% |
|
| 30 Yr. FHA | 5.88% | -- | +0.00% | -0.57% | 5.69% |
|
6.54% |
|
| 30 Yr. VA | 5.89% | -- | -0.01% | -0.58% | 5.70% |
|
6.55% |
|
|
as of 1/15/26
Freddie Mac - updated weekly
|
||||||||
| 30 Yr. Fixed | 6.06% | 0.00 | -0.10% | -0.87% | 6.06% |
|
7.04% |
|
| 15 Yr. Fixed | 5.38% | 0.00 | -0.08% | -0.76% | 5.38% |
|
6.27% |
|
|
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% |
|
