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Mortgage Rates News 30 December 2025 - 12 January 2026

Mortgage rates today: 30-year fixed holds near 6.2% — what moves next with CPI hours away

Mortgage rates today: 30-year fixed holds near 6.2% — what moves next with CPI hours away

New York, January 12, 2026, 07:46 EST — Premarket The U.S. 30-year fixed mortgage rate hit an average of 6.18% early Monday, according to Bankrate data. Meanwhile, the average 30-year refinance rate stood at 6.54%. “Mortgage rates will remain volatile for the foreseeable future,” said Samir Dedhia, CEO of One Real Mortgage. (Bankrate) Bond yields nudged higher at the start of the week. The U.S. 10-year Treasury yield climbed 3 basis points to 4.30%, while the 30-year yield gained 4.5 basis points, reaching 4.86%, according to Reuters market data. (A basis point equals 0.01 percentage point.) Mortgage rates usually follow
12 January 2026
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Century Communities stock jumps 11% on mortgage-rate bet — what to watch before Monday

Century Communities stock jumps 11% on mortgage-rate bet — what to watch before Monday

New York, Jan 11, 2026, 21:01 EST — Market closed. Century Communities Inc shares were last up 10.7% at $68.33 on Friday, after swinging between $61.60 and $68.74 on the day. Volume totaled about 707,000 shares. The jump came as housing-linked stocks rallied after President Donald Trump ordered $200 billion in mortgage bond purchases, with Federal Housing Finance Agency Director Bill Pulte saying Fannie Mae and Freddie Mac would execute the buying. Homebuilders Lennar, D.R. Horton and PulteGroup also climbed, and Annex Wealth Management’s Brian Jacobsen called the move potentially “self-defeating,” saying the bigger issue is “supply, not demand.” (Reuters)
12 January 2026
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Home Depot stock jumps as mortgage-rate plan jolts housing trade ahead of CPI week

Home Depot stock jumps as mortgage-rate plan jolts housing trade ahead of CPI week

NEW YORK, January 11, 2026, 11:24 (ET) — Market closed Home Depot (HD) shares rose 4.2% on Friday, January 9, to close at $374.64, finishing the week on a sharp upswing ahead of Monday’s open. The move came as housing-linked stocks rallied after President Donald Trump ordered $200 billion of mortgage-backed securities purchases — bonds backed by pools of home loans — in a bid to bring down housing costs. Brian Jacobsen, chief economic strategist at Annex Wealth Management, told Reuters “every little bit will help push mortgage yields lower,” but he added the policy could also fuel demand and
11 January 2026
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Mortgage rates today: Trump’s $200B bond order lifts Rocket Companies stock, loanDepot premarket

Mortgage rates today: Trump’s $200B bond order lifts Rocket Companies stock, loanDepot premarket

NEW YORK, Jan 9, 2026, 06:40 EST — Premarket U.S. mortgage-linked stocks jumped in premarket trading on Friday after President Donald Trump ordered a $200 billion purchase of mortgage bonds, a move aimed at lowering mortgage rates today and improving housing affordability. The policy push lands at a sensitive moment for the housing market. Mortgage rates have eased from last year’s highs, but not enough to unlock demand in a market where prices have stayed elevated and inventories remain tight. Freddie Mac’s latest weekly survey put the average 30-year fixed mortgage rate at 6.16% for the week ended Jan. 8,
9 January 2026
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Mortgage rates today hold near 6.2% as D.R. Horton stock slides before jobs report

Mortgage rates today hold near 6.2% as D.R. Horton stock slides before jobs report

NEW YORK, January 8, 2026, 07:03 EST — Premarket U.S. mortgage rates today were little changed near 6.2%, while homebuilder shares slipped in premarket trade, with D.R. Horton down about 3.6%. Optimal Blue data put the average 30-year fixed conforming rate at 6.163% for loans locked as of Jan. 6, up roughly 1 basis point (0.01 percentage point) from the prior day. Fortune That matters because the housing market is still rate-led: small moves feed straight into monthly payments and demand, especially for first-time buyers. Traders are also bracing for Friday’s U.S. employment report, which can swing Treasury yields and,
8 January 2026
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Mortgage rates today: U.S. 30-year hits lowest since Sept 2024 as UK lenders cut deals

Mortgage rates today: U.S. 30-year hits lowest since Sept 2024 as UK lenders cut deals

NEW YORK, Jan 7, 2026, 07:39 EST — Premarket U.S. mortgage rates opened 2026 a shade lower, with the Mortgage Bankers Association’s measure of the 30-year fixed contract rate falling to 6.25%, the lowest since September 2024. Applications still fell over a holiday-adjusted two-week stretch, keeping the early-year rebound in refinancing on a tight leash. Why it matters now: the market is trying to find the point where lower rates actually pull buyers off the sidelines. First American said affordability improved to its best level since the summer of 2022, even as it remained far below pre-pandemic norms, and chief
7 January 2026
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Mortgage rates today: 30-year fixed holds near 6.25% as Treasury yields firm ahead of jobs report

Mortgage rates today: 30-year fixed holds near 6.25% as Treasury yields firm ahead of jobs report

New York, January 6, 2026, 05:55 EST — Premarket The average rate on a 30-year fixed U.S. mortgage held at 6.25% early Tuesday, Bankrate said, as Treasury yields nudged higher in premarket trading. Mortgage News Daily’s daily index was 6.19% on Monday, down 1 basis point (0.01 percentage point). Bankrate+1 The steady read keeps borrowing costs above 6% heading into the year’s first wave of home-shopping, with demand still sensitive to small shifts in monthly payments. For lenders and brokers, the question is whether rates can drift lower without a sharp slowdown in the economy. Bankrate+1 Mortgage rates often follow moves in
6 January 2026
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Opendoor stock ticks higher premarket as mortgage rates and U.S. jobs data take center stage

Opendoor stock ticks higher premarket as mortgage rates and U.S. jobs data take center stage

New York, Jan 5, 2026, 08:43 EST — Premarket Opendoor Technologies Inc shares rose about 0.5% to $6.10 in premarket trading on Monday, extending Friday’s 4.1% gain. The stock closed at $6.07 in the first U.S. trading session of 2026 after moving between $5.85 and $6.15, with roughly 38 million shares traded. StockAnalysis The setup matters because Opendoor’s business is tightly linked to borrowing costs. The company is an “iBuyer,” meaning it makes cash offers to buy homes, then resells them, a model that typically works best when housing turnover is healthy. Mortgage rates remain elevated even after easing from
5 January 2026
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Lloyds stock slips as HSBC mortgage rate cuts rekindle UK price-war talk

Lloyds stock slips as HSBC mortgage rate cuts rekindle UK price-war talk

LONDON, Jan 5, 2026, 08:45 GMT — Regular session Shares of Lloyds Banking Group (LLOY.L) fell in early London trading on Monday, sliding 1.1% to 98.2 pence by 0830 GMT, after opening at 99.9 pence.  Investing The move matters because Lloyds is Britain’s biggest mortgage lender and its earnings are sensitive to shifts in mortgage pricing. Tighter spreads can pinch net interest margin — the gap between what a bank earns on loans and pays on deposits.  Reuters Brokers said HSBC’s move to cut mortgage rates from Jan. 5 risks pulling rivals into a more aggressive battle for new business,
5 January 2026
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HSBC cuts UK mortgage rates to start 2026 as refinancing wave builds

HSBC cuts UK mortgage rates to start 2026 as refinancing wave builds

LONDON, Jan 4, 2026, 20:13 ET HSBC UK is cutting mortgage rates across a range of residential and buy-to-let products from Jan. 5, including reductions on two-, three-, five- and 10-year fixed deals, mortgage trade publication The Intermediary reported. The changes span loans with loan-to-value ratios from 60% to 95%, the publication said. Intermediary Mortgage News The move lands as lenders reset pricing after the Bank of England lowered Bank Rate by 0.25 percentage points to 3.75% in December, according to the central bank’s meeting summary and minutes. The BoE’s next rate decision is due on Feb. 5. Bank of
5 January 2026
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Rocket Companies stock drops today as RKT gives back gains despite 2025-low mortgage rates

Rocket Companies stock drops today as RKT gives back gains despite 2025-low mortgage rates

NEW YORK, December 31, 2025, 13:13 ET — Regular session Rocket Companies Inc shares were down 3.2% at $19.41 in early afternoon trading on Wednesday, after touching $20.19 earlier in the session. The stock has traded between $19.41 and $20.19, while the broader market was modestly lower. The move matters because Rocket’s business is tightly linked to mortgage rates: lower rates can revive refinancing and boost home-loan demand, while higher rates tend to choke off volume. The average 30-year fixed-rate mortgage fell to 6.15% this week, its lowest level in 2025, Freddie Mac said. Freddie Mac “After starting the year
31 December 2025
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Mortgage rates in 2026: Why Fed cuts may not lower home loans as much as buyers hope

Mortgage rates in 2026: Why Fed cuts may not lower home loans as much as buyers hope

NEW YORK, December 29, 2025, 21:06 ET U.S. mortgage rates have edged down to about 6.18% for a 30-year fixed loan, but economists say Federal Reserve rate cuts may not translate into a big drop in 2026. The issue matters as the housing market heads into the new year with affordability still tight and millions of would-be buyers waiting for financing to ease. The Fed wrapped up 2025 with another quarter-point cut in early December, its third cut of the year, CBS News reported. (https://www.cbsnews.com/news/fed-rate-cuts-mortgage-rates-what-buyers-can-expect-in-2026-experts-say/) Even modest rate moves are showing up in demand. The National Association of Realtors said
30 December 2025
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Stock Market Today

GSK share price set for Monday watch after EU clears Nucala COPD use

GSK share price set for Monday watch after EU clears Nucala COPD use

7 February 2026
GSK shares closed Friday up 0.83% at a 52-week high after the EU approved Nucala for certain uncontrolled COPD patients. Insider filings showed chairman Jonathan Symonds bought 2,500 shares while executive David Redfern sold 100,000. The FTSE 100 rose 0.6%. Broker ratings on GSK remained mixed.
Aye Finance IPO: Rs 454-crore anchor haul follows valuation cut below last round

Aye Finance IPO: Rs 454-crore anchor haul follows valuation cut below last round

7 February 2026
Aye Finance raised Rs 454.5 crore from 19 anchor investors ahead of its Feb 9 IPO, pricing shares at the top of a Rs 122–129 range. The company’s profit fell 40% to Rs 64.3 crore in the six months to September as bad loans rose to 4.85%. The IPO values Aye at about Rs 3,200 crore, below its last private round. Major investors include Nippon Life India and Goldman Sachs funds.
BAT share price closes near 52-week high as buyback rolls on ahead of results week

BAT share price closes near 52-week high as buyback rolls on ahead of results week

7 February 2026
British American Tobacco shares closed up 1.2% at 4,609 pence Friday, near a 52-week high. The company disclosed further share buybacks and management share purchases ahead of its Feb. 12 full-year results. BAT bought 121,668 shares for cancellation on Feb. 5. Investors await updates on nicotine alternatives and cash returns.
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