2026-01-22 17:03:24

Freddie Mac's latest mortgage rate snapshot from the week of January 22 shows upward pressure in borrowing costs. The 30-year fixed-rate mortgage climbed to 6.09% from 6.06% the prior week—a modest but steady uptick. Meanwhile, the 15-year fixed rate moved to 5.44%, up from 5.38%.

Why does this matter for the broader market? Rising mortgage rates typically signal tightening financial conditions, which often translates into reduced appetite for risk assets. When traditional lending becomes more expensive, capital flows shift. Investors reassess their exposure across equities, commodities, and digital assets like cryptocurrency. The Fed's rate trajectory and inflation expectations continue to set the tone here.

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LiquidatedAgain

· 20h ago

Here we go again, mortgage rates are moving again... Every time this happens, I know risk control levels are about to be adjusted. 6.09%? Bro, this number doesn't look big, but when it propagates to the leverage market, it's a different story. Funds will flow out, borrowing rates will spike, and then... it's the fate of being liquidated like me. Pushing down the liquidation price a bit, damn.

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NotSatoshi

· 20h ago

Again and again, it’s rising... Now even mortgage payments are unaffordable --- The central bank continues to raise interest rates, is the crypto market under pressure again? Looks like I need to adjust my positions --- 6.09%? Is it still far from the sky-high prices... Where is the capital flowing to --- As soon as interest rates rise, people start selling coins. Are investors really that fragile? --- Loans are almost 20%, are people still buying houses... --- If this pace continues, let’s wait and see if there’s a bottom opportunity --- Inescapable inflation cycle, I wish I had gone all-in on Bitcoin earlier --- So should I run now or buy the dip... Please give me an answer --- The housing dream is shattered, is the crypto trading dream still alive?

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TestnetScholar

· 20h ago

Mortgage rates have risen again, now I really have to save money... --- As interest rates go up, the crypto market is also feeling the pain, funds are flowing into traditional assets --- 6.09%? Damn, the dream of buying a house is even further away... --- Every time I see this kind of data, I think of the regret of not getting on board earlier --- With the Fed's move, retail investors will have to be cut multiple times --- When liquidity is tight, forget about bottom fishing, better to wait and see --- A shake in mortgage rates causes the entire market to tremble, it's incredible --- Mortgage rates rise, crypto prices fall, this logic is too heartbreaking... --- Here we go again, every time there's news about interest rates, it triggers a chain reaction --- Financial situation is worrying, why is everything increasing in price

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