For the average lender, top-tier 30yr fixed mortgage rates were perfectly unchanged compared to yesterday. This keeps them right in line with the lowest levels in more than 3 years. That said, if we're splitting hairs, better rates were available 4 days in the past month and a half (Jan 9, Jan 12, Feb 13, Feb 17). So why is it that there are news headlines today claiming that rates hit their lowest levels in more than 3 years? Simply put, those stories are based on weekly survey data from Freddie Mac. Freddie isn't technically wrong, but you have to understand their methodology. Freddie's survey is an average of the rates available from last Thursday through yesterday. Indeed, if you use the numbers from our daily rate index on those days, the average is the lowest in 3 years, even if today's rates are a hair higher than several recent days.

February 19, 2026 Download our Mobile App: Download our Mobile App: 30 Yr. Fixed 6.05% +0.00%   6.01% 7.08% 15 Yr. Fixed 5.62% +0.00%   5.55% 6.48% 30 Yr. Jumbo 6.29% +0.01%   6.1% 7.35% Compare Mortgage Rates from Local Lenders for Feb 19, 2026 Mortgage Rates Hold Flat on Thursday Despite Lower Weekly Average Thu, Feb 19, 2026 3:33PM For the average lender, top-tier 30yr fixed mortgage rates were perfectly unchanged compared to yesterday. This keeps them right in line with the lowest levels in more than 3 years. That said, if we're splitting hairs, better rates were available 4 days in the past month and a half (Jan 9, Jan 12, Feb 13, Feb 17). So why is it that there are news headlines today claiming that rates hit their lowest levels in more than 3 years? Simply put, those stories are based on weekly survey data from Freddie Mac. Freddie isn't technically wrong, but you have to understand their methodology. Freddie's su... (read more) Mortgage News Daily Rate Change Points 30 Yr. Fixed 6.05% 0.00 0.00 15 Yr. Fixed 5.62% 0.00 0.00 30 Yr. FHA 5.65% 0.00 0.00 30 Yr. Jumbo 6.29% +0.01 0.00 7/6 SOFR ARM 5.38% 0.00 0.00 30 Yr. VA 5.67% 0.00 0.00 Updates Daily - Last Update: 2/19 Freddie Mac Rate Change Points 30 Yr. Fixed 6.01% -0.08 0.00 15 Yr. Fixed 5.35% -0.09 0.00 Updates Weekly - Last Update: 2/19 Mortgage Bankers Assoc. 30 Yr. Fixed 6.24% +0.08 0.55 15 Yr. Fixed 5.64% +0.09 0.61 30 Yr. Jumbo 6.34% -0.05 0.40 Updates Weekly - Last Update: 1/28 UMBS 30YR 5.0 100.27 +0.02   95.71 100.50 UMBS 30YR 5.5 101.53 -0.02   98.11 101.64 10 YR Treasury 4.076 -0.001   3.932 4.590 Accidental Clairvoyance (Not Really...) Thu, Feb 19, 2026 8:53AM Yesterday's end-of-day recap bore the title "Half-Hearted Correction Continues." It turns out that should have been the title for this morning's commentary as it's a better description of this morning's trading (yesterday, we actually had a few fundamentals to justify the weakness). In today's case, bonds are weaker "just because." Jobless Claims data (206k ... (read more) MBS Price Change UMBS 4.5 98.56 +0.02 UMBS 5.0 100.27 +0.02 UMBS 5.5 101.54 -0.01 GNMA 4.5 98.28 -0.07 GNMA 5.0 100.17 -0.01 GNMA 5.5 101.22 +0.02 Pricing as of: 2/19 4:17PM EST US Treasury Yield Change 2 YR Treasury 3.467 +0.015 5 YR Treasury 3.645 -0.004 7 YR Treasury 3.841 -0.007 10 YR Treasury 4.074 -0.004 30 YR Treasury 4.704 -0.003 Pricing as of: 2/19 4:17PM EST Other News Prudent AI's Income, Correspondent, LOS Tools; The Fed's Bank Mortgage Proposal; STRATMOR on LOs; Elliot Eisenberg Interview Thu, Feb 19, 2026 11:45AM It’s hard to believe that the COVID pandemic was six years ago with its increase in deaths. For our biz, we switched to “work from home,” among other changes. Along those lines, I received this note: “Rob, are you hearing about a concern among lenders about the liquidity of the non-QM sector? As in a repeat of March 2020 when many non-QM lenders suspended th... (read more) Latest Video December leading economic indicators come in at -0.2%, pending home sales m... Former Dallas Fed President Richard Fisher: Don't see a present need to cut... Long-term Fed issue could be how AI changes economy's level of maximum empl... January industrial production rises 0.7%, beating estimates Around the Web Federal Reserve Bowman, Opening Remarks Nasdaq Philly Fed Index Unexpectedly Increases In February The Conference Board Leading Economic Index for the US declined by 0.2% in December BEA Trade Gap Reaches $70.3 billion in December MBA Builder Application Survey Shows Mortgage Apps for New Homes Increased 2% CNBC Treasury yields move higher as investors await more economic data CNBC Fed officials split on where interest rates should go, minutes say Eye on Housing Delinquency Rates Normalize While Credit Card and Student Loan Stress Worsens NAR Pending Home Sales Report Shows 0.8% Decrease in January AP US applications for jobless aid fall to 206,000 last week as layoffs remain low PR Newswire California home sales decline in January to lowest level since May 2025 amid 23-month price low, C.A.R. reports Investing Live Fed's Kashkari: Labor market is softer but still "decent to pretty good" Federal Reserve Minutes of the Federal Open Market Committee January 27–28, 2026

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