Mortgage rates at the average lender moved up by 0.01% today--the smallest increment measured by the MND daily rate index. This means that most borrowers won't see a meaningful different in today's rates vs yesterday's. That's welcome news considering yesterday's rates were tied for the second best day in more than 3 years. In the bigger picture, the absence of improvement over the past 2 days may suggest that recent bull run in rates is pausing for reflection, or at least until and unless certain economic reports justify renewed momentum. On that note, this week's nearest examples of such reports will almost all be released on Friday morning, but they're notably less potent than the data seen over the past 2 weeks.

February 18, 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 18, 2026 Mortgage Rates Tick Microscopically Higher Wed, Feb 18, 2026 3:11PM Mortgage rates at the average lender moved up by 0.01% today--the smallest increment measured by the MND daily rate index. This means that most borrowers won't see a meaningful different in today's rates vs yesterday's. That's welcome news considering yesterday's rates were tied for the second best day in more than 3 years. In the bigger picture, the absence of improvement over the past 2 days may suggest that recent bull run in rates is pausing for reflection, or at least until and unless certain economic reports justify renewed momentum. On that note, this week's nearest examples of such re... (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 5.0 100.26 +0.01   95.71 100.50 UMBS 30YR 5.5 101.55 -0.01   98.11 101.64 10 YR Treasury 4.069 -0.008   3.932 4.590 Key Technical Level, But Does it Matter? Wed, Feb 18, 2026 11:06AM Any time the 10yr Treasury yield approaches--but fails to break--a number ending in .50 or .00, the analytical community is guaranteed to be discussing the technical significance of those levels. In the big picture, technical bounces can be anywhere remotely close to the big round numbers. As such, we are arguably once again seeing resistance at 4.00%. But d... (read more) MBS Price Change UMBS 4.5 98.55 +0.01 UMBS 5.0 100.28 +0.03 UMBS 5.5 101.55 -0.01 GNMA 4.5 98.38 +0.03 GNMA 5.0 100.18 +0.01 GNMA 5.5 101.22 +0.02 Pricing as of: 2/19 6:04PM EST US Treasury Yield Change 2 YR Treasury 3.461 +0.008 5 YR Treasury 3.635 -0.014 7 YR Treasury 3.837 -0.012 10 YR Treasury 4.069 -0.008 30 YR Treasury 4.699 -0.007 Pricing as of: 2/19 6:04PM EST Other News LO Centered Marketing, Credit Score Products; Company-Sponsored Events; Faith Schwartz Interview Wed, Feb 18, 2026 11:44AM On today’s Mortgage Matters live interview (at 1PM ET; feel free to ask questions) Faith Schwartz, who has an incredible pedigree, draws upon her decades of housing finance and policy experience to discuss crisis leadership lessons, regulatory evolution, and what today’s lenders should be watching as the market recalibrates. One topic could very well be the ... (read more) Latest Video 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... December housing starts comes in at 1.4M, more than expected January industrial production rises 0.7%, beating estimates Around the Web CNBC Fed officials split on where interest rates should go, minutes say Federal Reserve Minutes of the Federal Open Market Committee January 27–28, 2026 Realtor.com Federal Reserve Wants To Loosen Bank Rules To Boost Mortgage Lending CNBC Mortgage rates sink to the lowest level in a month, sparking more refinance demand 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 Atlanta Fed Q4 GDPNow 3.6% vs 3.7% prior Census.gov Monthly New Residential Construction, December 2025 Investing Live US December durable goods orders -1.4% vs -2.0% expected NAHB Builder Sentiment Edges Lower on Affordability Concerns CNBC Treasury yields nudged higher as investors await Fed meeting minutes Investing Live Fed's Barr: Prudent for Fed to take time before changing policy again Federal Reserve Bank of San Francisco The AI Moment? Possibilities, Productivity, and Policy CNBC UK inflation cools markedly in January, boosting odds of Bank of England rate cut

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