Mortgage Rates Now Solidly Back Above 6%

According to our chart of MND's mortgage rate index, 30yr fixed rates bottomed at 6.01% yesterday, but that's because the chart logs the day's latest entry.  On Friday, until late in the day, the chart showed a rate of 5.99%. It was only after several lenders raised rates in the afternoon that the index moved up to 6.06%. Today's rates ended up just a hair higher than that at 6.07%. Most of the underlying market weakness that accounts for today's jump occurred yesterday afternoon. Lenders who raised rates yesterday afternoon offered roughly comparable rates this morning.  Things might have ended up worse today had it not been for a reasonably well-received CPI report (Consumer Price Index). This important data showed inflation remaining in check in December, with the most closely-watched metrics coming in just below the median forecast.  Lower inflation is good for rates, all else equal, but inflation isn't falling fast enough to have a big impact in the short term. In today's case, it did more to help the bond market avoid losing ground than it did to spark a new rally. [thirtyyearmortgagerates]

January 13, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.07% +0.06%   6.01% 7.26% 15 Yr. Fixed 5.59% +0.04%   5.55% 6.59% 30 Yr. Jumbo 6.35% +0.01%   6.1% 7.45% Compare Mortgage Rates from Local Lenders for Jan 13, 2026 Mortgage Rates Now Solidly Back Above 6% Tue, Jan 13, 2026 3:25PM According to our chart of MND's mortgage rate index, 30yr fixed rates bottomed at 6.01% yesterday, but that's because the chart logs the day's latest entry.  On Friday, until late in the day, the chart showed a rate of 5.99%. It was only after several lenders raised rates in the afternoon that the index moved up to 6.06%. Today's rates ended up just a hair higher than that at 6.07%. Most of the underlying market weakness that accounts for today's jump occurred yesterday afternoon. Lenders who raised rates yesterday afternoon offered roughly comparable rates this morning.  Things mi... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.07% +0.06 0.00 15 Yr. Fixed 5.59% +0.04 0.00 30 Yr. FHA 5.75% +0.05 0.00 30 Yr. Jumbo 6.35% +0.01 0.00 7/6 SOFR ARM 5.68% 0.00 0.00 30 Yr. VA 5.77% +0.06 0.00 Updates Daily - Last Update: 1/13 Freddie Mac Rate Change Points 30 Yr. Fixed 6.16% +0.01 0.00 15 Yr. Fixed 5.46% +0.02 0.00 Updates Weekly - Last Update: 1/8 Mortgage Bankers Assoc. 30 Yr. Fixed 6.25% -0.06 0.57 15 Yr. Fixed 5.64% -0.06 0.64 30 Yr. Jumbo 6.32% -0.20 0.42 Updates Weekly - Last Update: 1/7 UMBS 30YR 5.0 100.14 +0.18   95.05 100.50 UMBS 30YR 5.5 101.38 +0.17   97.47 101.64 10 YR Treasury 4.170 -0.008   3.932 4.780 Mixed, But Modestly Stronger Reaction to CPI Tue, Jan 13, 2026 10:00AM CPI came out just a bit lower than expected with the monthly core at 0.2 vs 0.3 and annual core at 2.6 vs 2.7.  The unrounded numbers were closer to forecasts and headline inflation was unchanged from last month. All that to say that there was no major directional suggestion for rates in today's data. It's best use is to confirm that inflation is roughl... (read more) MBS Price Change UMBS 4.5 98.34 +0.14 UMBS 5.0 100.14 +0.18 UMBS 5.5 101.38 +0.17 GNMA 4.5 98.08 -0.25 GNMA 5.0 100.02 -0.03 GNMA 5.5 101.09 +0.07 Pricing as of: 1/13 4:11PM EST US Treasury Yield Change 2 YR Treasury 3.524 -0.008 5 YR Treasury 3.742 -0.013 7 YR Treasury 3.945 -0.012 10 YR Treasury 4.170 -0.008 30 YR Treasury 4.830 +0.002 Pricing as of: 1/13 4:11PM EST Other News Broker, Jumbo, Verification, Climate Risk Products; CFPB Requests Money, Reverse Referral Opinion; CPI Data Tue, Jan 13, 2026 11:44AM Today’s Capital Markets Wrap (3PM ET) will cover how mortgage rates may be impacted by the lack of a traditional flight to quality despite rising international unrest, alongside proposed limits on institutional SFR purchases, rate sheet changes, recent presidential commentary on GSE bond buying, and… the proposed credit card interest cap. “Rob, yesterday’s C... (read more) Latest Video December core consumer prices rose at a 2.6% annual rate, less than expecte... October new home sales: 737k vs. 718k estimate Consumer spending accelerated in December, CNBC/NRF Retail Monitor finds U.S. payrolls rose 50,000 in December, less than expected; unemployment rat... Around the Web Politico Trump team drafting executive order on affordability Realtor.com New-Home Prices Fall to 4-Year Low as Builders Deepen Discounts CNBC Heres the inflation breakdown for December 2025 in one chart CNBC December core consumer prices rose at a 2.6% annual rate, less than expected Axios Scoop: Bessent told Trump that investigation of Fed chair creates a "mess" CNBC Greenspan, Bernanke, Yellen and other past officials say Trump using 'prosecutorial attacks' to undermine Fed Breaking The News ADP: Weekly US employment up by 11,750 Eye on Housing Household Real Estate Asset Values Fall in the Third Quarter CNBC Data center REIT CEO says real estate not in an oversupply state CNBC Treasury yields mixed as DOJ opens criminal investigation into Fed Chair Powell Eye on Housing Growth for Custom Home Building Breaking The News US new home sales down 0.1% in October CNBC Treasury yields edge higher as investors await key inflation data

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