Mortgage Rates Remain Low

Published February 6, 2026

Freddie Mac released its latest Primary Mortgage Market Survey on Thursday, February 5. Despite rates edging higher, the survey indicated that mortgage rates remain at comparatively low levels.

This week, the 30-year fixed rate mortgage averaged 6.11%, up from last week’s average of 6.10%. Last year at this time, the 30-year fixed rate mortgage averaged 6.89%.

The 15-year fixed rate mortgage averaged 5.50% this week, up from last week’s 5.49%. During the same week last year, the 15-year fixed rate mortgage averaged 6.05%.

“For the last several weeks, the 30-year fixed-rate mortgage has remained at its lowest level in years,” said Freddie Mac’s Chief Economist, Sam Khater. “The combination of improving affordability and availability of homes to purchase is a positive sign for buyers and sellers heading into the spring home sales season.”

Based on published national averages, the savings rate was 0.39% as of 1/20. The one-year CD averaged 1.61%.

Editor’s Note: The publicly available financial information is offered as a helpful and informative service to our friends. This article is not an endorsement of any company, product or service.