economy
February 3, 2026
What are today's mortgage interest rates: February 3, 2026?
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TL;DR
- Average 30-year mortgage rate on February 3, 2026: 5.99%.
- Average 15-year mortgage rate on February 3, 2026: 5.37%.
- Average 30-year refinance rate on February 3, 2026: 6.75%.
- Average 15-year refinance rate on February 3, 2026: 5.62%.
- Mortgage rates have declined significantly since February 2025, reaching near 3-year lows.
- Federal Reserve interest rate cuts in late 2025 contributed to the decrease in mortgage rates.
- Current rates offer opportunities for buyers and homeowners to refinance.
- Rate volatility has slowed, suggesting stability for now.
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