The average contract rate on 30-year fixed-rate mortgages for conforming loans of $806,500 or less in the US fell to 6.17% in the week ended February 13th 2026, the lowest in four weeks, compared to 6.21% in each of the previous two periods. Borrowing costs tracked Treasury yields that 'ended the week lower as weaker data on retail sales and home sales outweighed better-than-expected readings on the job market for January,” said Joel Kan, MBA’s vice president. As a result, mortgage applications jumped 2.8%, the first gain in four weeks,, with refinancing applications soaring 7.1% and increasing across all loan types. In contrast, applications to purchase a home were down 2.7%. source: Mortgage Bankers Association of America

Fixed 30-year mortgage rates in the United States averaged 6.17 percent in the week ending February 13 of 2026. Mortgage Rate in the United States averaged 6.07 percent from 1990 until 2026, reaching an all time high of 10.56 percent in April of 1990 and a record low of 2.85 percent in December of 2020. This page provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. United States MBA 30-Yr Mortgage Rate - data, historical chart, forecasts and calendar of releases - was last updated on February of 2026.

Fixed 30-year mortgage rates in the United States averaged 6.17 percent in the week ending February 13 of 2026. Mortgage Rate in the United States is expected to be 6.20 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the United States MBA 30-Yr Mortgage Rate is projected to trend around 6.00 percent in 2027, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-02-11 12:00 PM
MBA 30-Year Mortgage Rate
Feb/06 6.21% 6.21%
2026-02-18 12:00 PM
MBA 30-Year Mortgage Rate
Feb/13 6.17% 6.21%
2026-02-25 12:00 PM
MBA 30-Year Mortgage Rate
Feb/20 6.17%


Related Last Previous Unit Reference
15-Year Mortgage Rate 5.35 5.44 percent Feb 2026
30-Year Mortgage Rate 6.01 6.09 percent Feb 2026
Average Mortgage Size 385.51 380.61 Thousand USD Jan 2026
MBA Mortgage Market Index 339.00 329.90 points Feb 2026
MBA Mortgage Refinance Index 1375.90 1284.60 points Feb 2026
MBA Purchase Index 157.10 161.50 points Feb 2026
MBA Mortgage Applications 2.80 -0.30 percent Feb 2026
MBA 30-Year Mortgage Rate 6.17 6.21 percent Feb 2026


United States MBA 30-Yr Mortgage Rate
MBA 30-Year Mortgage Rate is average 30-year fixed mortgage lending rate measured during the reported week and backed by the Mortgage Bankers Association.
Actual Previous Highest Lowest Dates Unit Frequency
6.17 6.21 10.56 2.85 1990 - 2026 percent Weekly

News Stream
US Mortgage Rates at 4-Week Low: MBA
The average contract rate on 30-year fixed-rate mortgages for conforming loans of $806,500 or less in the US fell to 6.17% in the week ended February 13th 2026, the lowest in four weeks, compared to 6.21% in each of the previous two periods. Borrowing costs tracked Treasury yields that 'ended the week lower as weaker data on retail sales and home sales outweighed better-than-expected readings on the job market for January,” said Joel Kan, MBA’s vice president. As a result, mortgage applications jumped 2.8%, the first gain in four weeks,, with refinancing applications soaring 7.1% and increasing across all loan types. In contrast, applications to purchase a home were down 2.7%.
2026-02-18
US Mortgage Rates Steady Last Week: MBA
The average contract rate on 30-year fixed-rate mortgages for conforming loans of $806,500 or less in the US was unchanged at fell to 6.21% in the week ended January 30, compared to a four-week high of 6.24% in the previous period, according to the Mortgage Bankers Association. Mortgage applications edged down 0.3%, with purchase applications falling 2.4% while those to purchase a home went up 1.2%. “FHA purchase and refinance applications increased, helped partially by the FHA rate declining and remaining 20 basis points lower than the conforming 30-year fixed rate. Borrowers are increasingly utilizing FHA loans as affordability challenges remain, despite recent improvements”, said Joel Kan, MBA’s vice president.
2026-02-11
US Mortgage Rates Edge Down: MBA
The average contract rate on 30-year fixed-rate mortgages for conforming loans of $806,500 or less in the US fell to 6.21% in the week ended January 30, compared to a four-week high of 6.24% in the previous period, according to the Mortgage Bankers Association. Still, mortgage applications declined 8.9%, extending an 8.5% drop in the previous week, with the winter storm taking a toll. Refinancing applications went down 4.7%, after a 15.7% drop and the purchase index tumbled 14.4% after decreasing 0.4%. “Winter Storm Fern likely had an impact as much of the country was snowed in, hampering homebuying activity. The annual increase in purchase applications was the weakest since April 2025", ” said Joel Kan, MBA’s VP.
2026-02-04