Mortgage and refinance interest rates today, January 25, 2026: Rates level out

Current mortgage rates have leveled out. According to Zillow, the average 30-year fixed mortgage rate is now 6.00%. The 15-year fixed rate now sits at 5.50%. Since these are national averages, you may qualify for an even lower rate. Shop with a few mortgage lenders to find the best rate offer. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.00% 20-year fixed: 5.98% 15-year fixed: 5.50% 5/1 ARM: 6.15% 7/1 ARM: 6.35% 30-year VA: 5.54 ...