Mortgage and Refinance Rates Today, February 4, 2026: Annual Rates Dropped 61 Basis Points

Mortgage and Refinance Rates Today, February 4, 2026: Annual Rates Dropped 61 Basis Points

Mortgage rates haven’t changed much today, meaning they’re still relatively low. According to Zillow, the average 30-year fixed rate remains below 6%, currently 5.98%. That’s a year-over-year decline of 61 basis points. The 15-year fixed rate is 5.50%73 basis points less than last year at this same time. Mortgage rates vary depending on credit score,…

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