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Today's Mortgage Rates

January 22nd, 2026 by Samee Foster

Today's Mortgage Rates

The Mortgage News Daily rate index is published daily (weekdays) around 4PM EST. Learn About Our Rate Survey

30 Yr. Fixed

6.19%

-0.01

6.01%

7.13%

$1,530 / mo

15 Yr. Fixed

5.76%

+0.00

5.55%

6.52%

$2,077 / mo

30 Yr. Jumbo

6.38%

+0.00

6.10%

7.45%

$1,560 / mo

7/6 SOFR ARM

5.71%

+0.00

5.59%

7.25%

$1,453 / mo

30 Yr. FHA

5.86%

-0.02

5.69%

6.54%

$1,476 / mo

30 Yr. VA

5.88%

-0.01

5.70%

6.55%

$1,480 / mo

Estimated Principal & Interest

Loan Amount:

Mortgage Calculators

30 and 15 Year Fixed Rates

More Charts: 30YR | 15YR | 30YR Jumbo | 30YR FHA | 5/1 ARM

Thursday'S RATE TREND

POSITIVE

MINIMAL

NEGATIVE

MBS prices are

moderately weaker

so far today. This downward movement of MBS may result in higher mortgage rates for today.

This tool provides an idea of the underlying trends in MBS that may influence mortgage rates today. It is not intended to forecast lender rate changes.

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Mortgage Rate Watch

Daily Mortgage Rate Market Analysis

Mortgage Rates Sideways to Slightly Lower

Wed, Jan 21 2026, 3:09 PM

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)

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