Fixed Rate Mortgage for January 18, 2026
30-Year Fixed Rate
Rate
5.875%
APR
5.998%
15-Year Fixed Rate
Rate
5.375%
APR
5.573%
Featured ARM Rates for January 18, 2026
7/1 Adjustable Rate Mortgage
Rate
5.250%
APR
5.843%
5/1 Adjustable Rate Mortgage
Rate
5.125%
APR
5.916%
Home Equity Loan Rates for January 18, 2026
5-Year Home Equity Loan
Rate
5.875%
APR
8.206%
10-Year Home Equity Loan
Rate
7.250%
APR
8.550%
15-Year Home Equity Loan
Rate
7.250%
APR
8.818%
One-Time Close Construction Rates for January 18, 2026
One-Time Close Construction
Rate
6.125%
APR
6.252%