January 19, 2026 | Lowest Fixed-Rate Mortgage Holds at 4.50% Today

As of January 19, 2026, fixed-rate purchase mortgages at AFFINITY remain stable. The 15-Year Fixed Rate and the 30-Year Fixed Rate both hold steady at 5.125% and 5.75%, respectively, with no changes over the past week or month. This stability in yield spreads suggests a consistent cost of borrowing for members seeking long-term financing. For buyers prioritizing lower monthly payments, the 30-Year Fixed Rate at 5.75% remains a benchmark, while those aiming to reduce total interest expense might consider the lowest available 15-Year Fixed Rate at 5.125%. Given unchanged rates, members should evaluate their mortgage strategy carefully; for example, fixed-rate options provide predictability amid market fluctuations. Consider refinancing if potential savings exceed associated costs based on your financial goals.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 19, 2026, mortgage rates for ALOHA PACIFIC members remain steady across key fixed-rate purchase products. The 15 Year Conforming Fixed Purchase loan holds at 4.5%, maintaining the lowest rate among available options with no change over the past week or month. Meanwhile, the 30 Year Conforming Fixed Purchase rate stays at 5.0%, also unchanged in recent weeks.

These stable yields suggest consistent borrowing costs for homebuyers, particularly benefiting those seeking shorter-term fixed loans with lower interest expenses. First-time buyers and homeowners prioritizing predictability may find the 15-year fixed advantageous due to its lower rate and shorter amortization period. The lack of rate movement indicates limited volatility in yield spreads, allowing members to assess mortgage strategies without immediate pressure from market fluctuations.

Members should consider their long-term financing goals; evaluating fixed-rate options remains prudent if stability is a priority. Additionally, those exploring refinancing should analyze whether current rates align with potential savings relative to closing costs.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On January 19, 2026, the 15 Yr Fixed Rate In-House Purchase mortgage remains steady at a competitive 5.25%, unchanged over the past week and month, representing the lowest rate among today’s options. Conversely, the 30 Yr Fixed Rate Purchase has decreased notably by 37.5 basis points to 5.75% compared to last week and also versus 30 days ago. This decline in longer-term yields reduces the cost of borrowing for borrowers seeking extended loan terms.

For first-time buyers or members prioritizing predictable payments, the stable 15-year fixed rate offers consistent affordability without yield volatility. Meanwhile, those considering larger purchases may benefit from the recent dip in the 30-year fixed rate, which improves long-term financing viability.

Members should evaluate their mortgage strategy based on term preference and cost sensitivity; consider fixed-rate products for payment stability or reassess purchase timing to leverage lower longer-term rates.

For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of January 19, 2026, 30-year Fixed-Rate Mortgages for home purchases remain steady at 4.75%, unchanged from both one week and one month ago. This stable yield spread indicates consistent borrowing costs for members seeking long-term financing with predictable payments. For first-time buyers, this rate stability supports budget certainty in homeownership planning. Veterans and others considering refinancing should note that despite recent steadiness, rates are still below those seen 60 to 90 days ago, reflecting a moderate easing from earlier market pressures. Members prioritizing payment predictability may find fixed-rate options appropriate, while those weighing refinancing should evaluate if potential savings justify current closing costs. Consider your mortgage strategy carefully in the context of stable rates and evolving market conditions. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 19, 2026, 15-Year Fixed Purchase mortgage rates have risen by 12.5 basis points to 5.125%, marking a slight increase from last week but remaining 25 basis points lower than 30 days ago. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 5.625%, unchanged over the past week and down by 37.5 basis points compared to a month prior. The narrowing yield spread between these terms suggests a modest shift in borrowing costs, with shorter-term fixed loans currently offering the lowest rates. For first-time buyers or those prioritizing predictable payments, the 15-Year Fixed Purchase presents a cost-effective option due to its comparatively low rate and stable terms. Borrowers considering long-term financing may find value in evaluating fixed-rate options amid these gradual rate fluctuations. Members should assess their mortgage strategy carefully; consider refinancing if potential savings outweigh associated expenses. For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

As of January 19, 2026, FIRST COMMUNITY reports stable mortgage rates across key fixed-rate purchase products. The 15 Year Fixed Purchase rate remains at a competitive 4.75%, unchanged over the past week and month, representing the lowest cost of borrowing among available options. Similarly, the 30 Year Fixed Purchase rate holds steady at 5.625%, with no movement in yield spreads compared to one and thirty days prior.

For members prioritizing predictable payments and long-term financial planning, these steady rates reinforce the appeal of fixed-rate mortgages. First-time buyers may find the 15-year fixed option advantageous for faster equity build-up without increased rate risk. Meanwhile, those considering refinancing should evaluate whether current stable rates align with their goals to reduce interest expenses or shorten loan terms.

Given the absence of recent rate shifts, members are advised to consider fixed-rate options if stability is a priority and to assess refinancing only if potential savings exceed associated costs. For details, visit https://fccu.org/rates/home-loan-rates.

As of January 19, 2026, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates for purchase loans. The 15-Year Land Loan remains steady at 6.25%, unchanged over the past week and month, indicating no immediate shifts in yield spreads or borrowing costs for land buyers. Meanwhile, the 30-Year Fixed Purchase rate holds at a competitive 5.875%, also unchanged from both seven and thirty days ago, maintaining its position as the lowest rate option available today.

For members prioritizing long-term payment stability, the 30-Year Fixed offers predictable costs with minimal market volatility. Land buyers benefit from a consistent 15-Year Land Loan rate, facilitating clearer budgeting without unexpected rate fluctuations. Given this stability, members should evaluate their mortgage strategies carefully; those considering new purchases can weigh fixed-rate options to lock in current yields.

For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

On January 19, 2026, 30-year Fixed Purchase loans hold the lowest rate at 5.75%, unchanged from last week but down 37.5 basis points compared to 30 days ago. This decline in yield spreads reduces the cost of borrowing for homebuyers seeking long-term stability. Conversely, the 15-year Home Improvement Loan (Fixed) remains steady at 7.49%, reflecting a significant rise of 211.5 basis points over the past month, which increases borrowing costs for members financing renovations.

For first-time buyers prioritizing predictable payments, the stable 30-year fixed rate offers a consistent option. Meanwhile, those considering home improvements should evaluate whether higher rates justify project timelines and budgets. Members are advised to assess their mortgage strategies carefully; locking in current fixed rates may be prudent if they value payment certainty, while refinancing considerations depend on comparing potential savings against transaction costs.

For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of January 19, 2026, the 30-year Fixed Rate Mortgage for Purchase stands at 5.5% with 1.0 points, marking an increase of 25 basis points compared to one week ago. This represents a stabilization in rates over the past month, holding steady from 30 days prior despite recent short-term volatility. For prospective homebuyers, particularly first-time purchasers, this uptick increases the cost of borrowing, impacting monthly payments and overall affordability. Veterans and those exploring refinancing options should note that fixed-rate products remain the most predictable choice amid fluctuating market conditions. Members are advised to evaluate their mortgage strategies carefully; consider fixed-rate loans if stability is a priority, or assess refinancing only if potential savings outweigh associated costs. For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

As of January 19, 2026, 15-year fixed purchase loans hold the lowest rate at 4.75%, unchanged from one week ago but down by 39 basis points compared to 30 days prior. Meanwhile, the 30-year fixed purchase mortgage remains steady at 5.50%, reflecting no weekly change and a decline of 23 basis points over the past month. These stable yields suggest a modest reduction in the cost of borrowing for borrowers seeking fixed-rate security. For first-time buyers and those prioritizing predictable payments, the 15-year fixed option offers lower yield spreads, potentially reducing total interest expense. Homebuyers opting for longer terms retain consistent rates but may benefit from recent declines if closing soon. Members should evaluate their mortgage strategy carefully; consider fixed-rate products if payment stability is a priority or explore refinancing options when potential savings exceed associated costs. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of January 19, 2026, mortgage rates show a mixed trend for jumbo loans. The 15-Year Fixed Rate Jumbo is currently at 6.152%, down by 0.04 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.299%, decreasing by 0.02 basis points over the same period. In the past week, the 15-Year Fixed Rate Jumbo increased by 0.03 basis points, indicating slight volatility in short-term borrowing costs. Over the last month, the 15-Year Fixed Rate Jumbo has dropped by 0.12 basis points, while the 30-Year Fixed Rate Jumbo has seen a minor decline of 0.09 basis points. Borrowers should consider these fluctuations when evaluating their financing options to make informed decisions on locking in rates.

Inflation expectations are pivotal in shaping mortgage rates, influencing the cost of borrowing for consumers. Currently, the Breakeven Inflation Rate 10Yr stands at 2.330%, unchanged from yesterday, while the Breakeven Inflation Rate 5Yr is at 2.390%, also steady. The most significant shifts occurred in the Mortgage 30Yr Jumbo Average Rates, which plummeted by 6.34 points today, marking a decline of 6.31 points over the past week and 6.42 points in the last 30 days. These substantial reductions could offer potential savings for borrowers seeking fixed-rate mortgages; notably, the lowest mortgage rate reported is for Mortgage 30Yr USDA Average Rates at 5.700%. Monitoring these trends can help borrowers make informed decisions about timing their loans effectively.

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