Introduction

July 11, 2025, brings a fresh breeze of opportunity for homebuyers and refinancers alike. If you’ve been watching mortgage rates with a mix of hope and hesitation, today’s insights from Credit Unions, Zillow, and the Federal Reserve might just nudge you toward action. While some rates have ticked up slightly — a reminder that the market is always on the move — there are still pockets of affordability to explore. For instance, Langley Credit Union is offering an impressively low 4.99% rate on their 30-year fixed refinance, standing out as one of the most attractive options in today’s landscape. Meanwhile, Zillow shows a slight dip in jumbo 30-year fixed rates to 6.575%, signaling some relief for buyers seeking higher loan amounts. Inflation expectations remain steady but watchful, as small shifts can ripple through your borrowing costs. Whether you’re refinancing to save or buying your next home, here’s what you need to know before locking in a rate—because timing and choice can make all the difference in your financial journey.

Refinance - Conventional 15 yrs Fixed

Lender
2025-07-11
(Current Day)
2025-07-04
(7 Days Ago)
2025-06-26
(15 Days Ago)
2025-06-11
(30 Days Ago)
2025-05-27
(45 Days Ago)
2025-05-12
(60 Days Ago)
A
5.63%
5.63%
Citadel
5.75%
5.75%
5.63%
-12.5 bps
Digital
5.25%
5.25%
5.38%
+12.5 bps
Knoxville Tva Employees
5.38%
5.38%
5.38%
Langley
5.63%
5.63%
5.63%
Navy Federal Credit Union
5.25%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.50%
+25 bps
5.50%
+25 bps
Randolph Brooks
5.75%
5.88%
+12.5 bps
Schoolsfirst
5.63%
5.63%
5.75%
+12.5 bps
Wings Financial
5.63%
5.63%
5.50%
-12.5 bps

Refinance - Conventional 30 yrs Fixed

Lender
2025-07-11
(Current Day)
2025-07-04
(7 Days Ago)
2025-06-26
(15 Days Ago)
2025-06-11
(30 Days Ago)
2025-05-27
(45 Days Ago)
2025-05-12
(60 Days Ago)
A
6.50%
6.38%
-12.5 bps
Citadel
6.75%
6.75%
6.75%
Digital
6.13%
6.13%
6.25%
+12.5 bps
Knoxville Tva Employees
6.38%
6.38%
6.38%
Langley
4.99%
4.99%
4.99%
Navy Federal Credit Union
6.13%
6.13%
6.25%
+12.5 bps
6.00%
-12.5 bps
6.38%
+25 bps
6.38%
+25 bps
Randolph Brooks
6.75%
6.88%
+12.5 bps
Schoolsfirst
6.50%
6.50%
6.63%
+12.5 bps
Wings Financial
6.50%
6.50%
6.38%
-12.5 bps

A

On July 11, 2025, the 15-Year Fixed Refinance rate remains steady at 5.625%, showing no change over the past week, indicating stable yield spreads and borrowing costs for short-term fixed refinances. Conversely, the 30-Year Fixed Refinance rate increased by 12.5 basis points to 6.5%, marking a notable rise in long-term fixed mortgage yields compared to last week.
For members considering refinancing, those prioritizing lower monthly payments might weigh the higher cost reflected in the 30-year term against the stability of the unchanged 15-year option. First-time buyers or veterans evaluating refinancing should analyze these movements carefully to optimize their borrowing costs.
Given these dynamics, it is prudent to consider fixed-rate options if stability is a priority and to evaluate refinancing strategies in light of recent rate increases on longer terms for cost-effective financial planning.

Citadel

On July 11, 2025, 15 Year Easy Refinance Rate and 30 Year Easy Refinance Rate remain stable at 5.75% and 6.75%, respectively, with no change over the past seven days. The 15-year fixed refinance rate, currently the lowest available, reflects consistent yield spreads contributing to a steady cost of borrowing for members seeking shorter-term commitments. Stability in these rates supports borrowers focused on predictable payments and potentially faster equity build-up. For those refinancing existing loans, maintaining current rates suggests evaluating your mortgage strategy to optimize long-term savings without urgency from market volatility. Members valuing rate certainty may consider fixed-rate options like the 15 Year Easy Refinance to balance cost-effectiveness and financial planning.

Digital

On July 11, 2025, 15 Years Fixed refinance rates remain stable at 5.25%, unchanged over the past week, holding steady at the lowest rate available today. Similarly, the 30 Years Fixed refinance rate is unchanged at 6.125%, showing no movement from seven days prior. The absence of recent yield spread shifts indicates consistent borrowing costs for members considering refinancing. For those prioritizing lower monthly payments and long-term budgeting certainty, the 15-year fixed refinance offers a cost-effective option with fewer basis points than longer terms. Members evaluating refinancing should assess how current stable rates align with their financial goals and consider fixed-rate products to lock in predictable repayment schedules amid market steadiness.

Knoxville Tva Employees

As of July 11, 2025, refinance fixed-rate mortgages remain stable with no change in yield spreads over the past week. The 15-year fixed refinance rate holds steady at 5.375%, representing the lowest cost of borrowing among today's options. Similarly, the 30-year fixed refinance rate is unchanged at 6.375%. This stability signals consistent market conditions for borrowers considering refinancing.
For members prioritizing predictable payments and long-term planning, maintaining or initiating a fixed-rate refinance could be advantageous given the current lack of upward pressure on rates. Those evaluating refinancing should weigh potential savings against their loan term and closing costs to optimize financial outcomes.
In summary, with no basis point shifts this week, now is an opportune moment to consider fixed-rate refinance options as part of a strategic mortgage review aligned with your financial goals.

Langley

On July 11, 2025, Langley Credit Union reports stable mortgage rates for refinance loans. The 30-Year Fixed Refinance rate remains steady at 4.99%, showing no change over the past 7 days. Similarly, the 15-Year Fixed Refinance rate holds at 5.625%, with no recent movement. These unchanged yield spreads indicate consistent borrowing costs, beneficial for members assessing refinancing opportunities without increased premiums.
For members prioritizing long-term cost certainty, the 30-Year Fixed Refinance at 4.99%—the lowest rate available today—offers predictable payments over three decades. Those aiming to shorten loan duration without rate volatility can consider the 15-Year Fixed option at 5.625%. Given stable rates, members should evaluate their current mortgage structures and potential savings from refinancing based on individual financial goals and interest rate forecasts.

Navy Federal Credit Union

As of July 11, 2025, 15-Year Fixed Refinance loans remain the most cost-effective option with a rate holding steady at 5.25%, reflecting no change over the past week but a favorable decline of 12.5 basis points compared to 30 days ago. Conversely, the 30-Year Fixed Refinance rate is stable week-over-week at 6.125%, yet has increased by 12.5 basis points since late June, indicating a modest rise in long-term borrowing costs.
For members considering refinancing, the reduced yield spread on shorter terms suggests potential savings by opting for a 15-year fixed loan, especially for those prioritizing lower overall interest expense. Meanwhile, borrowers weighing longer terms should monitor these incremental rate adjustments to optimize their mortgage strategy in alignment with market trends. Evaluate your financial goals and consider fixed-rate options if you seek predictability amid recent fluctuations.

Schoolsfirst

On July 11, 2025, 15-Year Fixed Refinance rates remain steady at 5.625% with 1.0 point, unchanged from last week, maintaining the lowest yield spread among available refinance options. Meanwhile, the 30-Year Fixed Refinance rate holds at 6.5% with 1.0 point, also stable over seven days. This absence of rate movement suggests stable borrowing costs for members considering refinancing. For homeowners focused on reducing interest expense over a shorter term, the 15-year fixed option continues to offer a lower rate environment by approximately 88 basis points compared to the 30-year fixed product. Members should assess their long-term financial goals and consider fixed-rate refinances if they prioritize predictability in payments and potential interest savings amid current market conditions. Evaluating these rates can support informed mortgage strategies without exposure to variable rate fluctuations.

Wings Financial

On July 11, 2025, fixed-rate refinance loans maintain steady pricing. The 15-year fixed refinance rate holds at 5.625%, unchanged over the past week, reflecting stable yield spreads and consistent borrowing costs for those seeking shorter-term payoff schedules. Meanwhile, the 30-year fixed refinance rate remains at 6.5%, also unchanged from last week, indicating no immediate pressure on long-term fixed mortgage yields.
For members considering refinancing, these stable rates suggest limited short-term volatility but underscore the importance of assessing individual loan terms against current market conditions. Borrowers prioritizing predictability may find the 15-year fixed-rate option at 5.625%—the lowest available today—advantageous for reducing interest expense over time. Evaluating your mortgage strategy in light of these steady rates can support informed decisions about refinancing or maintaining existing terms.

Zillow National Average

In the ever-changing world of mortgages, today’s rates are experiencing notable shifts that could impact your home-buying journey. The 15-Year Fixed Rate Jumbo has seen a sharp rise to 7.040%, up 0.37% from yesterday, making it a critical moment for potential borrowers. Meanwhile, the 30-Year Fixed Rate Jumbo has slightly dipped to 6.575%, reflecting a mixed climate that could benefit different types of buyers.
For first-time buyers, even a small drop can translate into significant savings over the life of a loan—think tens of thousands added to your overall costs with just a 0.25% increase. If you’re considering refinancing or investing in rental properties, keep an eye on these fluctuations; they can shape your long-term financial strategy.
Given the Fed's hints at future rate hikes, now may be the time to act. Don’t miss out on today’s potential savings—consult with a mortgage advisor to explore your best options and stay informed as market conditions evolve!

Federal Reserve Economic Trends

In a notable shift today, the Mortgage 30-Year Jumbo Average Rates surged by 0.27 points over the past week, signaling potential challenges for homebuyers and investors alike. As inflation expectations remain high, reflected in a gradual rise in the Breakeven Inflation Rate 5-Year, mortgage rates are responding accordingly. Even a slight increase of just 0.05% can add hundreds to monthly payments on a 30-year loan, making it crucial for buyers to stay alert.
For those looking to refinance or purchase, now might be the time to lock in a rate before further increases. First-time buyers should particularly consider these trends; even small fluctuations can impact affordability significantly.
With today’s Mortgage 30-Year Average Rates at 6.720%, consulting with a mortgage advisor is advisable to navigate this dynamic landscape effectively. Keep an eye on upcoming Federal Reserve decisions, as they could further influence these rates and your financial future. Stay informed and proactive!

LendMesh

Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.

Conclusion

As we look ahead, remember that even tiny changes in mortgage rates can shape your monthly budget and overall savings significantly. A jump or drop of just a few basis points might seem small on paper but can translate into hundreds of dollars over time. With today’s lowest refinance rate hovering at 4.99% for a 30-year fixed loan from Langley Credit Union and national averages nudging slightly higher, now is the moment to weigh your options carefully. If you’re considering refinancing or purchasing soon, don’t wait for perfect conditions—focus instead on what fits your personal goals and financial comfort zone. Keep an eye on inflation trends and credit union specials; they often provide hidden gems that big banks overlook. In this ever-shifting market, staying informed and ready to act with confidence will help you turn small rate differences into meaningful long-term savings. After all, securing the right mortgage isn’t just about numbers—it’s about peace of mind for your home’s future.