Weekly update
Mortgage rates, week of February 19, 2026
The 30-year fixed averaged 6.01%, down 0.08 points from last week.
- 30-year fixed
- 6.01%
- 15-year fixed
- 5.35%
- 10-year Treasury
- 4.08%
- Spread
- 1.93
The numbers behind the week
- The 15-year fixed averaged 5.35%, down 0.09 points.
- Between the two readings the 10-year Treasury yield fell 0.01 points and the gap between it and the mortgage rate narrowed 0.07 points. Together those make up the 0.08-point move.
- Four weeks ago the 30-year average was 6.09%.
- That is 0.84 points below a year ago (6.85%).
- Over the past 52 weeks the 30-year average has ranged from 6.01% to 6.89%.
- The spread over the 10-year Treasury is 1.93 points, against an average of 2.27 across the history on this site.
| Change from February 12, 2026 | Points |
|---|---|
| 10-year Treasury yield | -0.01 |
| Spread over the Treasury | -0.07 |
| 30-year mortgage rate | -0.08 |
Each mortgage average is compared with the most recent daily Treasury yield on or before its date, so the split is approximate. The Treasury spread page explains the gap.