For Houston, 2013 won’t just be another good year for mortgage rates, but the region also will likely continue to see lenders less skittish than those in markets that “lost their shirts” in the mortgage crisis, a financial analyst says.

The Federal Reserve has set interest rates near zero — record lows since December 2008 — and that’s highly unlikely to change in 2013, leaving mortgage rates, auto loans, home equity, credit card rates and deposit rates at their current low-interest levels, said Greg McBride, a senior financial analyst at North Palm Beach, Fla.-based BankRate Inc.