National mortgage rates for Jan. 22, 2015

Interest Rate Roundup

Find the best mortgage rates in your area.


  • 30-year fixed: 3.81%
  • Average points: 0.25

Mortgage rates edged up this week, but global economic concerns should keep them near the bottom for now.

The 30-year fixed-rate mortgage rose 1 basis point to 3.81 percent. A basis point is one-hundredth of 1 percent.

The 15-year fixed-rate mortgage rose 7 basis points to 3.18 percent. The average rate for a 30-year jumbo mortgage rose 6 basis points to 4.01 percent. A jumbo mortgage is generally a loan of more than $417,000.

The 5/1 adjustable-rate mortgage rose 10 basis points to 3.19 percent. With a 5/1 ARM, the rate is fixed for five years and adjusted annually thereafter.

Because of changes in mortgage rates at banks polled in Philadelphia and Dallas, some rates moved significantly higher.




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