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February 22, 2026 11:14 AM PST

Mortgage Applications Surge 12% Following Rate Dip Below 6.5%

Mortgage applications jumped 12% last week as 30-year fixed rates fell to 6.42%, the lowest since early 2025, per the MBA's weekly survey. Refinances led the increase, but purchase activity also rose amid spring buying season anticipation. Experts attribute the surge to improved consumer confidence.

🍑 Why It Matters for Georgia

Georgians refinancing could save hundreds monthly, freeing budget for home improvements in booming markets like Macon. Prospective buyers in Atlanta now face less rate shock, potentially increasing competition.

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