David Underwood

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What’s Ahead For Mortgage Rates This Week – January 5th, 2026

January 5, 2026 by David Underwood

With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach.

Primary Mortgage Market Survey Index

  • 15-Yr FRM rates saw a decrease of -0.06% with the current rate at 5.44%
  • 30-Yr FRM rates saw a decrease of -0.03% with the current rate at 6.15%

MND Rate Index

  • 30-Yr FHA rates saw no change for this week. Current rates at 5.85%
  • 30-Yr VA rates saw no change for this week. Current rates at 5.87%

Jobless Claims

No release of data due to the holidays.

What’s Ahead

The upcoming week will feature the usual data releases, with the major ones being the Trade Deficit, Consumer Credit, and Consumer Sentiment from the University of Michigan.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

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David Underwood


Mortgage Loan Officer
NMLS # 104138
Cell 248-219-3457
Office 586-753-9000
dunderwood@tfhomeloans.com
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