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Today’s 30-Year Fixed Mortgage Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Today's 30-Year Fixed Rates

Each bar shows how many lenders are offering loans within that APR range — greener bars mean lower rates.

Distribution by State

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Distribution by Lender Type

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Distribution by Direction

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Distribution By Mortgage Type

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-4.35%
5.076%
-14.51%
5.131%
-2.63%
5.154%
-4.86%
5.247%
-6.48%
5.299%
Feb 13, 2026 12:00 AM — mortgage-rates.ai
The 10-Year treasury settled at 4.051% today, marking a slight decrease from yesterday and a more significant drop from a week ago (source). Despite this dip, the mortgage-rates.ai benchmark for 30-Year Fixed mortgages remained stable at 6.032%. Mortgage rates have continued to ease, providing potential benefits to homebuyers and those considering refinancing (source).
Feb 13, 2026 12:00 AM — mortgage-rates.ai
Based on the recent decline in benchmark mortgage rates, like the 30-Year Fixed rate currently at 6.032%, and the 10-Year Treasury rate now at 4.051%, it is likely that mortgage rates will continue to trend downwards in the next 4 to 8 weeks source . These decreases could benefit potential home buyers by offering more affordable financing options source . Despite uncertainties in the housing… ... more
6.031%
-0.01% 30-Year Fixed
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

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