FMCC Freddie Mac

Mortgage Rates Stable, Purchase Demand Rising

Mortgage Rates Stable, Purchase Demand Rising

MCLEAN, Va., Jan. 08, 2026 (GLOBE NEWSWIRE) -- (OTCQB: FMCC) today released the results of its (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.16%.

“In the first full week of the new year, mortgage rates remained within a narrow range, hovering close to the 6% mark,” said Sam Khater, Freddie Mac’s Chief Economist. “The combination of solid economic growth and lower rates has led to improving momentum in for-sale residential demand, with purchase applications up over 20% from a year ago.” 

News Facts

  • The averaged 6.16% as of January 8, 2026, up slightly from last week when it averaged 6.15%. A year ago at this time, the 30-year FRM averaged 6.93%.
  • The averaged 5.46%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 6.14%.

The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. For more information, view our .

Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: | | | | | |

MEDIA CONTACT:

Angela Waugaman

(703)714-0644

A photo accompanying this announcement is available at



EN
08/01/2026

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