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January 14, 2026
What are today's mortgage interest rates: January 14, 2026?
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TL;DR
- Average 30-year mortgage interest rate is 5.99% as of January 14, 2026.
- Average 15-year mortgage interest rate is 5.25% as of January 14, 2026.
- Mortgage rates have declined due to Federal Reserve interest rate cuts.
- Buyers can potentially find rates substantially lower than averages by shopping around.
- Average 30-year refinance rate is 6.52%, and the 15-year refinance rate is 5.62%.
- Homebuyers are advised to compare current rates to their budget rather than historic anomalies from 2020-2021.
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