economy
February 20, 2026
What are today's mortgage interest rates: February 20, 2026?
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TL;DR
- Mortgage interest rates have improved in recent months and are lower than one year ago.
- The average 30-year mortgage rate is 5.87% as of February 20, 2026; the 15-year rate is 5.37%.
- Average refinance rates are 6.43% for 30-year terms and 5.46% for 15-year terms.
- Borrowers with strong credit scores are more likely to secure competitive rates.
- Shopping around online can lead to significantly lower interest rates.
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