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Mortgage Rates Edge Up

Published January 23, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, January 22. The survey showed mortgage rates inching higher this week but remaining at the lowest levels in over three years.

This week, the 30-year fixed rate mortgage averaged 6.09%, up from last week’s average of 6.06%. Last year at this time, the 30-year fixed rate mortgage averaged 6.96%.

The 15-year fixed rate mortgage averaged 5.44% this week, up from last week’s 5.38%. During the same week last year, the 15-year fixed rate mortgage averaged 6.16%.

“With the economy improving and the average 30-year fixed-rate mortgage nearly a percentage point lower than last year, more homebuyers are entering the market,” said Freddie Mac’s Chief Economist, Sam Khater. “Buyers always should shop around for the best rate, as multiple quotes can potentially save them thousands.”

Based on published national averages, the savings rate was 0.39% as of 1/20. The one-year CD averaged 1.61%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.