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Michael Bock and Theresa NeSmith

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Michael Bock January 5, 2026

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

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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Michael Bock
Mortgage Loan Originator

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Michael NMLS #1749855
Theresa NMLS #1996065

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Michael Bock | NMLS #1749855
Theresa Bock | NMLS #1996065
Licensed Mortgage Loan Originators
Bock Mortgage Group LLC. | NMLS# 2504921

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Florida · Clearwater, FL · Pinellas County, FL · Brandon, FL · Pasco, FL · Saint Petersburg, FL · Wesley Chapel, FL · Riverview, FL · Tampa, FL

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