"The housing market continues to show gradual improvements compared to a year ago amid recent rate volatility. Purchase and refinance applications are up year-over-year, and rates remain lower than last year when they averaged 6.65%."
• 30-year fixed-rate mortgage (FRM) averaged 6.38 percent for the week ending January 29, 2026, up from last month when it averaged 5.98 percent. A year ago, at this time, the 30-year FRM averaged 6.65 percent.
• 15-year FRM this week averaged 5.75 percent, up from last month when it averaged 5.44 percent. A year ago, at this time, the 15-year FRM averaged 5.89 percent.
