Introduction
On July 18, 2025, the mortgage market is offering some steady footing amid shifting economic currents. Whether you’re eyeing a refinance or preparing to buy, today’s data reveals promising pockets of opportunity. For instance, Digital Credit Union’s 15-year fixed refinance rate stands at an inviting 5.375%, one of the lowest available rates on the table. Meanwhile, Zillow shows a slight uptick in jumbo loan rates but nothing that should deter savvy buyers. Inflation indicators from the Federal Reserve hint at subtle rises but remain within manageable ranges, helping keep borrowing costs relatively stable. If you’re feeling the jitters about locking in a rate right now, you’re not alone—but there’s good news. Small changes can make a big difference over time, and understanding where rates sit today can empower your next move. Here’s what you need to know before locking in a rate.
Refinance - Conventional 15 yrs Fixed
Lender
2025-07-18
(Current Day)
(Current Day)
2025-07-11
(7 Days Ago)
(7 Days Ago)
2025-07-03
(15 Days Ago)
(15 Days Ago)
2025-06-18
(30 Days Ago)
(30 Days Ago)
2025-06-03
(45 Days Ago)
(45 Days Ago)
2025-05-19
(60 Days Ago)
(60 Days Ago)
Citadel
5.75%
5.75%
5.75%
Digital
5.38%
5.38%
5.25%
-12.5 bps
Knoxville Tva Employees
5.38%
5.38%
5.38%
Langley
5.63%
5.63%
5.63%
Mountain America
6.74%
6.74%
6.74%
6.74%
6.74%
6.74%
Navy Federal Credit Union
5.38%
5.25%
-12.5 bps
5.25%
-12.5 bps
5.38%
5.38%
5.50%
+12.5 bps
Randolph Brooks
5.75%
5.75%
5.75%
Schoolsfirst
5.63%
5.63%
5.63%
Wings Financial
5.75%
5.63%
-12.5 bps
5.63%
-12.5 bps
Refinance - Conventional 30 yrs Fixed
Lender
2025-07-18
(Current Day)
(Current Day)
2025-07-11
(7 Days Ago)
(7 Days Ago)
2025-07-03
(15 Days Ago)
(15 Days Ago)
2025-06-18
(30 Days Ago)
(30 Days Ago)
2025-06-03
(45 Days Ago)
(45 Days Ago)
2025-05-19
(60 Days Ago)
(60 Days Ago)
Citadel
6.88%
6.88%
6.75%
-12.5 bps
Digital
6.25%
6.13%
-12.5 bps
6.13%
-12.5 bps
Knoxville Tva Employees
6.38%
6.38%
6.38%
Langley
6.50%
4.99%
-151 bps
4.99%
-151 bps
Mountain America
6.62%
6.49%
-13.4 bps
6.49%
-13.4 bps
6.62%
6.75%
+12.6 bps
6.75%
+12.6 bps
Navy Federal Credit Union
6.25%
6.13%
-12.5 bps
6.13%
-12.5 bps
6.25%
6.00%
-25 bps
6.38%
+12.5 bps
Randolph Brooks
6.75%
6.75%
6.75%
Schoolsfirst
6.50%
6.50%
6.50%
Wings Financial
6.63%
6.50%
-12.5 bps
6.50%
-12.5 bps
Citadel
On July 18, 2025, mortgage rates for refinancing at Citadel remain stable. The 15 Year Easy Refinance Rate holds steady at 5.75%, showing no change over the past week. Similarly, the 30 Year Easy Refinance Rate is unchanged at 6.875%, after a slight increase from 6.75% fifteen days ago. These flat yield spreads indicate consistent borrowing costs for members looking to refinance.
For homeowners considering refinancing, the unchanged 15-year fixed rate at 5.75%—the lowest available rate—offers predictable payments and potential interest savings over time. Meanwhile, those opting for longer terms may weigh the stability of the 30-year fixed option despite its higher rate.
Members should assess their mortgage strategy based on these stable rates: consider fixed-rate options if you prioritize payment certainty, or evaluate refinancing to optimize long-term financial outcomes amid steady market conditions.
Digital
On July 18, 2025, the 15 Years Fixed Refinance rate remains steady at 5.375%, showing no change over the past week. This stability in shorter-term fixed rates maintains predictable borrowing costs for members aiming to refinance with a shorter payoff horizon. Conversely, the 30 Years Fixed Refinance rate increased by 12.5 basis points, rising to 6.25% from last week’s 6.125%. This yield spread expansion implies higher long-term borrowing costs, potentially impacting cash flow for those refinancing longer-term mortgages.
Members evaluating refinancing strategies should consider locking in fixed-rate options if they prioritize payment stability amid recent upward movements in longer-term rates. The unchanged 15-year fixed rate may offer cost advantages for those seeking to reduce interest expenses over a shorter term, while the increased 30-year fixed rate warrants careful assessment of long-term affordability and market trends before committing.
Knoxville Tva Employees
On July 18, 2025, mortgage rates for refinance fixed-rate loans remain stable. The 15-Year Fixed Refinance holds steady at 5.375%, representing the lowest rate available today, with no change over the past 7 days. Similarly, the 30-Year Fixed Refinance is unchanged at 6.375% over the same period. This stability in yield spreads indicates consistent borrowing costs for homeowners considering refinancing options.
For members focused on reducing loan duration and overall interest expense, the 15-year fixed refinance at 5.375% offers a favorable cost of borrowing. Conversely, those prioritizing lower monthly payments might evaluate the unchanged 30-year fixed refinance at 6.375% for longer-term budgeting.
Given these steady rates, members should assess their mortgage strategies carefully—consider fixed-rate options if you value payment predictability, and evaluate refinancing to optimize long-term financial outcomes based on your individual goals and market conditions.
Langley
On July 18, 2025, Langley reports notable shifts in mortgage rates impacting refinancing strategies. The 30-year fixed refinance rate surged by 151 basis points to 6.5%, significantly increasing the cost of borrowing compared to last week’s 4.99%. This yield spread expansion may affect borrowers considering long-term debt restructuring, raising monthly payment obligations. Conversely, the 15-year fixed refinance rate remains steady at 5.625%, presenting a comparatively lower-cost option for those prioritizing shorter terms and accelerated equity building.
Members evaluating their mortgage approach should weigh these movements carefully. Those seeking rate stability might find value in the unchanged 15-year fixed product, while others should assess if current market conditions justify refinancing given the elevated 30-year fixed rates. A data-driven review of loan terms aligned with individual financial goals is advisable to optimize borrowing costs effectively.
Mountain America
On July 18, 2025, the 30-Year Fixed (Refinance) rate rose by 13.4 basis points week-over-week to 6.624%, reflecting a modest increase in the cost of borrowing for longer-term refinancing. Meanwhile, the 15-year fixed mini mortgage rate remained stable at 6.74%, showing no change over the past week or month. This stability in shorter-term fixed rates may benefit borrowers prioritizing predictable payments and quicker loan payoff. For members considering refinancing, the uptick in the 30-year fixed rate suggests evaluating whether locking in current yields aligns with long-term financial goals, especially given unchanged rates on shorter terms. Data-driven decisions should weigh yield spreads and term length impact, emphasizing fixed-rate options for those valuing payment consistency amid market fluctuations.
Navy Federal Credit Union
On July 18, 2025, 15-year fixed refinance loans hold the lowest rate at 5.375%, marking a 12.5 basis points increase from last week but stable over the past month. The 30-year fixed refinance rate rose similarly by 12.5 basis points to 6.25%, maintaining its level compared to 30 days ago. These upward shifts in yield spreads reflect a modest rise in the cost of borrowing for refinancing purposes. For members prioritizing predictable payments, the 15-year fixed option offers comparatively lower rates and shorter-term cost savings, while those seeking longer amortization face higher rates with the 30-year term. Members considering refinancing should analyze these rate movements against their financial goals and loan duration preferences to optimize long-term savings and risk exposure.
Randolph Brooks
On July 18, 2025, Randolph-Brooks Credit Union reports stable mortgage rates for refinancing. The 15-Year Fixed Refinance rate remains at a competitive 5.75%, holding steady over the past week with no change in yield spreads. Similarly, the 30-Year Fixed Refinance rate is unchanged at 6.75%, reflecting consistent borrowing costs for longer-term commitments. These stable rates offer predictability for members considering refinancing, potentially benefiting those aiming to reduce monthly payments or shorten loan duration without increased cost pressure. Members should evaluate fixed-rate refinance options if they prioritize payment stability and seek to manage long-term interest expenses effectively. Maintaining awareness of these rates supports data-driven mortgage strategies aligned with individual financial goals.
Schoolsfirst
On July 18, 2025, fixed-rate refinance mortgage rates remain stable with the 15-year fixed at 5.625%—the lowest rate available—and the 30-year fixed holding steady at 6.5%. No changes were observed over the past 7 days, indicating consistent yield spreads and borrowing costs for homeowners seeking to refinance. This stability benefits borrowers aiming to lock in predictable payments, especially those prioritizing long-term financial planning. First-time buyers and veterans should monitor these trends closely when evaluating refinancing options, as unchanged rates maintain current cost structures without added premiums. Members are advised to consider fixed-rate products if they value payment certainty and to evaluate refinancing strategies to optimize long-term savings amid stable market conditions.
Wings Financial
On July 18, 2025, refinance fixed-rate loans experienced a moderate increase in yield spreads. The 15-year fixed refinance rate rose by 12.5 basis points to 5.75%, representing the lowest rate among today's offerings and impacting borrowers seeking shorter-term debt reduction. Similarly, the 30-year fixed refinance rate increased by 12.5 basis points to 6.625%, raising the cost of borrowing for long-term refinancers.
These shifts suggest a tightening cost environment for members considering refinancing. Borrowers prioritizing payment stability may benefit from evaluating fixed-rate options, while those focused on long-term savings should carefully assess current rates against their loan tenure. Monitoring these incremental rate changes can inform strategic decisions about refinancing timing and mortgage structuring.
Zillow National Average
As the summer heat intensifies, so do mortgage rates, reflecting a sharp rise that may give prospective buyers pause. Today's market sees the 15-Year Fixed Rate Jumbo reaching 6.970%, up 0.19% from yesterday and marking a notable increase of 0.47% over the past month. For first-time buyers, these rising rates can feel daunting, as even a modest uptick can translate into thousands of dollars more in interest over the life of a loan.
If you're considering refinancing or investing, now might be the time to act—lock in rates before they climb higher. Small changes matter; a mere 0.25% increase could add tens of thousands to your total mortgage costs. It’s essential to weigh your options carefully—first-time buyers should consider acting swiftly, while seasoned investors might evaluate rental yields against potential future appreciation.
With insights from Zillow's reliable data, it’s wise to consult with a mortgage advisor today to navigate this shifting landscape effectively. As market conditions continue to evolve, stay informed and proactive, especially with whispers of potential rate hikes on the horizon!
Federal Reserve Economic Trends
As inflation expectations rise, so do mortgage rates, creating a ripple effect for homebuyers and investors alike. Today, the Breakeven Inflation Rate 5Yr has climbed by 0.17 points over the last month, signaling an uptick in inflation sentiment. This shift can lead to higher borrowing costs; for instance, even a modest increase in mortgage rates can significantly impact monthly payments on a 30-year loan.
In particular, the Mortgage 30Yr Usda Average Rates have seen the largest weekly jump of 0.10 points, making it crucial for potential buyers to act swiftly. A mere 0.25% rise in interest can add hundreds to your total loan cost over time—lock in those lower rates while you can!
For first-time buyers navigating these changes, now is a pivotal moment to consult with a mortgage advisor about your options. Long-term investors should also be vigilant, as ongoing shifts could open up unique opportunities.
Stay alert for upcoming Fed decisions that could further influence these trends. With current 30-year average rates at 6.750%, every basis point counts—monitor closely and consider locking in your rate soon!
LendMesh
A mortgage should open doors, not close them. That’s why LendMesh was created—to make the home financing process straightforward, supportive, and free from unnecessary stress. We’ve listened to stories from first-time buyers, seasoned investors, and growing families, and we’ve woven those experiences into every tool and feature on our site. Here, you can compare rates from banks you know and credit unions you might not have discovered yet—all in a single, transparent view. Our resources are written by real financial advisors who care about your future. Curious to learn more? Dive into our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans and find out how easy homeownership can really be.
Conclusion
As we look ahead, remember that even modest shifts—like the recent 12-13 basis point increases in some 30-year fixed rates—can translate into noticeable changes in your monthly payment or total interest paid over decades. Whether you’re refinancing with Navy Federal Credit Union’s competitive 15-year fixed rate at 5.375% or considering a purchase loan, taking action sooner rather than later can save you thousands down the road. Keep an eye on inflation trends and local credit union offers; sometimes those smaller lenders provide gems that big banks don’t. Most importantly, weigh your personal goals alongside these numbers—your home financing journey is as unique as you are. So stay informed, be proactive, and trust that with patience and smart timing, you’ll find a mortgage path that feels just right for your future.