30-Year Mortgage Rate Falls to 3-Year Low
January 15, 2026 By Alex Veiga Rates on 30-year mortgages fell to 6.06% this week from 6.16% last week. A year ago, the rate averaged 7.04%. Rates on 15-year fixed-rate mortgages dropping to 5.38%. MCLEAN, Va. — The average long-term U.S. mortgage rate is now down to its lowest level in more than three years.