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Mortgage Rates Edge Up

Published January 9, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, January 8. The survey showed mortgage rates slightly increased after weeks of declines.

This week, the 30-year fixed rate mortgage averaged 6.16%, up from last week’s average of 6.15%. Last year at this time, the 30-year fixed rate mortgage averaged 6.93%.

The 15-year fixed rate mortgage averaged 5.46% this week, up from last week’s 5.44%. During the same week last year, the 15-year fixed rate mortgage averaged 6.14%.

“In the first full week of the new year, mortgage rates remained within a narrow range, hovering close to the 6% mark,” said Freddie Mac’s Chief Economist, Sam Khater. “The combination of solid economic growth and lower rates has led to improving momentum in for-sale residential demand, with purchase applications up over 20% from a year ago.”

Based on published national averages, the savings rate was 0.39% as of 12/15. The one-year CD averaged 1.63%.

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.