January 27, 2026

Mortgage rates logged their fifth straight day of modest improvement, continuing a gentle downward trend that’s been building over the past week.

Now, rate movement is often tied to big economic headlines, major data releases, or dramatic market shifts… but today? Not so much. Today’s change was small enough that it doesn’t warrant a deep dive into the “why.” In fact, the bond market was about as exciting as watching paint dry (financially speaking).

Translation: It was a pretty calm, uneventful day — and mortgage rates simply inched slightly lower in the process.

Sometimes, boring is beautiful.