The rate on a 30-year fixed refinance rose to 6.22% today, according to the Mortgage Research Center. The average rate on a ...

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The average mortgage refinance rate on a 30-year term is now 6.75%, as of January 8, 2026, according to Zillow. The median refi rate for a 15-year term increased overnight, moving from 5.50% to 5.72%.