Mortgage rates were just a hair higher for the average lender on Thursday. The underlying bond market lost some ground following a stronger weekly Jobless Claims report and in sympathy with global bond market weakness overnight.  Because rates are based on bonds, when bonds are weaker, rates move higher. There are many different economic reports that deal with the jobs market, but none more important than the Employment Situation released by the Bureau of Labor Statistics--the one typically referred to simply as "the jobs report."  This month's jobs report will be released at 8:30am ET on Friday morning. Mortgage lenders don't set their rates for the day until the 9am hour at the earliest, and that's plenty of time for the data to send the bond market on a wild ride. If the jobs report is stronger than expected, rates will likely be higher, and vice versa. One final note: any economic report with high volatility potential can also have a limited impact. It all depends on how the data comes in. All we can know ahead of time is that the range of potential movement in rates is higher after reports like this.  

January 8, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.21% +0.02%   6.13% 7.26% 15 Yr. Fixed 5.74% +0.01%   5.6% 6.59% 30 Yr. Jumbo 6.35% +0.00%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 8, 2026 Mortgage Rates Modestly Higher on Thursday. Friday's Risks Are Bigger Thu, Jan 8, 2026 4:05PM Mortgage rates were just a hair higher for the average lender on Thursday. The underlying bond market lost some ground following a stronger weekly Jobless Claims report and in sympathy with global bond market weakness overnight.  Because rates are based on bonds, when bonds are weaker, rates move higher. There are many different economic reports that deal with the jobs market, but none more important than the Employment Situation released by the Bureau of Labor Statistics--the one typically referred to simply as "the jobs report."  This month's jobs report will be released at 8:30a... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.21% +0.02 0.00 15 Yr. Fixed 5.74% +0.01 0.00 30 Yr. FHA 5.84% +0.04 0.00 30 Yr. Jumbo 6.35% 0.00 0.00 7/6 SOFR ARM 5.73% +0.03 0.00 30 Yr. VA 5.85% +0.03 0.00 Updates Daily - Last Update: 1/8 Freddie Mac Rate Change Points 30 Yr. Fixed 6.16% +0.01 0.00 15 Yr. Fixed 5.46% +0.02 0.00 Updates Weekly - Last Update: 1/8 Mortgage Bankers Assoc. 30 Yr. Fixed 6.33% +0.01 0.60 15 Yr. Fixed 5.71% -0.02 0.64 30 Yr. Jumbo 6.46% +0.06 0.35 Updates Weekly - Last Update: 12/10 UMBS 30YR 5.0 100.60 +0.48   95.05 100.60 UMBS 30YR 5.5 101.89 +0.26   97.47 101.89 10 YR Treasury 4.183 +0.011   3.932 4.780 No Help From Jobless Claims or Europe Thu, Jan 8, 2026 9:23AM US bonds have been taking clear cues from Europe in overnight trading recently. Today's example involved a 3bp sell-off on both sides of the Atlantic. The 8:30am Jobless Claims data may be garnering more volume, but it has only added modestly to the morning's selling pressure so far.  (read more) MBS Price Change UMBS 4.5 98.71 +1.13 UMBS 5.0 100.56 +0.44 UMBS 5.5 101.85 +0.23 GNMA 4.5 97.40 -0.08 GNMA 5.0 100.29 +0.33 GNMA 5.5 101.20 +0.09 Pricing as of: 1/9 9:42AM EST US Treasury Yield Change 2 YR Treasury 3.516 +0.029 5 YR Treasury 3.748 +0.011 7 YR Treasury 3.954 +0.013 10 YR Treasury 4.182 +0.010 30 YR Treasury 4.841 +0.003 Pricing as of: 1/9 9:42AM EST Other News Hedging, PPE, Commercial, ATM Products; Trump vs. Institutional SFH Buyers; Prepayment Numbers Thu, Jan 8, 2026 11:41AM “Warning: don’t use your pet’s name for your password. We were hacked, and had to change our dog’s name.” “Experts” are saying that passwords will be on the way out in 2026 as passkeys take over. Good, as I am tired of carrying around a notebook with my usernames and passwords for dozens of sites. For fans of artificial intelligence (AI), we have news that a... (read more) Latest Video Job openings stand at 7.1 million in November Wholesale inventories climb 0.2% in October, as expected Private payrolls rose 41,000 in December, slightly below expectations, ADP ... ISM manufacturing gauge missed forecast for December Around the Web Eye on Housing Consumer Confidence Dropped to Lowest since Tariffs Introduced Breaking The News Trump to take action against institutional investors Reuters US weekly jobless claims increase marginally CNBC Real estate agents say the housing market is starting to balance out CNBC Consumer outlook improves despite job worries, New York Fed survey finds Calculated Risk Blog Trade Deficit Decreased to $29.4 Billion in October CNBC Used vehicle pricing expected to increase 2% in 2026, a historically stable rate Reuters Wall St futures dip; defense firms climb as Trump calls for higher budget Eye on Housing State-Level Employment Situation: November 2025 CNBC Treasury yields move higher as investors look ahead to key jobs report CNBC Layoff pace in December hit lowest level since mid-2024, Challenger says Calculated Risk Blog 1st Look at Local Housing Markets in December Eye on Housing Gains for Student Housing Construction in the Third Quarter of 2025

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