economy
February 12, 2026
What are today's mortgage interest rates: February 12, 2026?
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TL;DR
- Average 30-year mortgage rate is 5.99% as of February 12, 2026.
- Average 15-year mortgage rate is 5.37% as of February 12, 2026.
- Average 30-year refinance rate is 6.67% as of February 12, 2026.
- Average 15-year refinance rate is 5.83% as of February 12, 2026.
- Mortgage rates have declined and remain at or below their lowest levels since 2022.
- External factors like unemployment and inflation rates can indirectly impact mortgage rates.
- Shopping for mortgage rates can save borrowers up to a full percentage point.
- Refinancing may be beneficial if current rates are considerably higher than the averages provided.
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