Mortgage and refinance interest rates today, January 23, 2026: Close to one-year lows

Today's national average mortgage and refinance lates remain close to one-year lows. According to Freddie Mac, the 30-year fixed mortgage rate for the week averaged 6.09%. One year ago, it was 6.96%. The 15-year fixed rate had a one-week average of 5.44%. A year ago, it was 6.16%. This may be a good time to shop for the mortgage lender offering the best deal and lock in a rate. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.96% 20-yea ...