Mortgage Rates Edge Down

Published February 13, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, February 12. The survey indicated that mortgage rates decreased this week to near three-year lows.

This week, the 30-year fixed rate mortgage averaged 6.09%, down from last week’s average of 6.11%. Last year at this time, the 30-year fixed rate mortgage averaged 6.87%.

The 15-year fixed rate mortgage averaged 5.44% this week, down from last week’s 5.50%. During the same week last year, the 15-year fixed rate mortgage averaged 6.09%.

“Bolstered by strong economic growth, a solid labor market and mortgage rates at three-year lows, housing affordability continues to measurably improve,” said chief economist at Freddie Mac, Sam Khater. “These factors have caught the attention of many prospective homebuyers, driving purchase application activity higher than a year ago.”

Based on published national averages, the savings rate was 0.39% as of 1/20. The one-year CD averaged 1.61%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.