Fermentation creates exothermic action, the core of the wort will be 1-2 C higher, lower temperatures do not stop yeast working, just slows them down. Some home brewers do mash at lower temperatures purposely, saying they get a better beer.
Its better to get a grip on the enzymatic behaviour of the mash and start from there, even doughing in can have an effect on a final gravity.
From BYO
Final Gravity
Final gravity measures the attenuation of the beer, which is the reduction of the wort’s density caused by the fermentation of sugars into alcohol and carbon dioxide. Fermentation also leaves behind dextrins (non-fermentable sugars), proteins, and peptides, all of which combine to form the density of final gravity readings. These dextrins, proteins, and peptides also provide body and mouthfeel.
Final gravity readings help define each beer because the density of the finished brew determines alcohol content and overall balance. An American pale ale with an original gravity of 1.054 but a final gravity of 1.020 missed the mark because the final density of the beer will provide too much body, which then masks the hop bitterness, leaving a beer malty rich and out of balance for the style.
Brewers should always examine all possible causes of high final-gravity readings, such as improper aeration of the wort, low fermentation temperature, lack of viable yeast, or too many dextrins. Low final-gravity readings can be caused by wild yeast contamination, bacterial contamination, or not enough dextrins. A careful examination of sanitation, brewing procedures, and yeast source can solve many final-gravity problems.
Extract brewers may also find that the extract source contained too few dextrins for a high final gravity or too many dextrins for a low final gravity. As when fine-tuning original gravity, combining extract syrup with dry extract may solve this problem as well. For extract brewers adjusting the amount of available dextrins is the only way to adjust final gravity and mouthfeel in a successful brew, because malt extract does not include the proteins and peptides generated by all-grain mashing. Only experimentation and strict notation will help extract brewers obtain target final gravities.
All-grain brewers should examine the mash schedule. Well-modified malt mashed in with a single-step infusion method should stabilize within a range of 150 to 158 °F (66 to 70 °C). A mash held at 150 °F (60 °C) will produce mostly fermentable sugars, generating a delicate brew with light body and mouthfeel. A mash held at 158 °F (70 °C) will produce a blend of fermentable and non-fermentable sugars, creating a brew with either medium or full body.
For example a Continental style stout with a 1.055 OG finished at 1.008 FG. Batch notes state that the mash temperature stabilized at 158 °F (70 °C) for an hour but actually started at 148 °F (64 °C), requiring 20 minutes of forced heat to raise the temperature. Well-modified malt held for 15 minutes within the 150 to 158 °F (66 to 70 °C) range will reach total saccharification, with all starches converted into sugars. The stout seemed thin for style. In the short time that heat was applied to raise the temperature, the starch converted primarily to fermentable sugars, well before reaching the higher range of temperature required to produce dextrins. Batch notes then suggest that the strike temperature of the water added to the mash to reach conversion temperatures should be raised so that the mash will immediately reach 158 °F (70 °C) before conversion.
Another solution includes the addition of cara-malts, including cara-pils, cara-Vienne and cara-Munich, into the total grist bill. These specialty grains are designed to produce dextrins. Eight ounces of any of the above cara-malt will raise the final gravity of a 5-gallon (19-L) brew.
All-grain brewers enjoy the ability to lightly raise or lower mash temperatures while adding or decreasing, if necessary, dextrin malts to produce a perfect blend of fermentable sugars, dextrins, proteins, and peptides. Only experimentation and strict notation will help all-grain brewers obtain target final gravities in each batch.