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All • Buying • Selling • January 22, 2026

Mortgage Rates Remain Near Recent Lows

by Rodney Ward

Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.09%.

“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 Sam Khater, Freddie Mac’s Chief Economist. “Buyers always should shop around for the best rate, as multiple quotes can potentially save them thousands.”

  • The 30-year FRM averaged 6.09% as of January 22, 2026, up from last week when it averaged 6.06%. A year ago at this time, the 30-year FRM averaged 6.96%.
  • The 15-year FRM averaged 5.44%, up from last week when it averaged 5.38%. A year ago at this time, the 15-year FRM averaged 6.16%.

The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit.

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