Mortgage and refinance interest rates today, January 14, 2026: Bouncing up from recent lows

Mortgage rates have bounced up from recent lows, but remain under 6%. According to Zillow, the average 30-year fixed rate is 5.93%. Meanwhile, the 15-year fixed home loan rate is 5.40%. Zillow compiles rates from those offered in its lender marketplace. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.93% 20-year fixed: 5.86% 15-year fixed: 5.40% 5/1 ARM: 6.26% 7/1 ARM: 6.43% 30-year VA: 5.50% 15-year VA: 5.10% 5/1 VA: 5.11% Re ...