May 18, 2026 | Lowest Fixed Conventional Mortgage Rate Holds at 4.00%

As of May 18, 2026, ALOHA PACIFIC reports stable mortgage rates across key loan programs. The 15 Year Conforming Fixed Purchase rate remains at a competitive 4.5%, unchanged over the past 7 and 30 days, reflecting steady yield spreads for shorter-term fixed financing. Similarly, the 30 Year Conforming Fixed Purchase rate holds firm at 5.0%, with no movement in the last month. This stability benefits members seeking predictable long-term payments and supports first-time buyers aiming to lock in fixed costs amid market consistency. Veterans and refinancing applicants should note these unchanged rates may present an opportunity to evaluate fixed-rate options for budgeting certainty. Given the current plateau in borrowing costs, members are advised to consider their mortgage strategy carefully; locking in rates now may mitigate future volatility risks. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of May 18, 2026, AMERICA'S FIRST reports stable mortgage rates across key purchase loan products. The 15 Yr Fixed Rate In-House Purchase remains at a competitive 5.25% with 1.0 point, holding steady over the past 7 and 30 days, indicating no change in yield spreads or borrowing costs for borrowers seeking shorter-term fixed financing. Similarly, the 30 Yr Fixed Rate Purchase stands at 5.75% with 1.0 point, unchanged week-over-week and month-over-month, providing predictability for long-term homebuyers.

These consistent rates suggest that first-time buyers and those prioritizing rate stability can evaluate fixed-rate options confidently without concern for immediate market volatility. Veterans and other member segments considering refinancing should monitor these levels to assess if potential savings justify transaction costs.

Members are encouraged to review their mortgage strategy regularly; consider fixed-rate loans if stability is paramount or explore refinancing opportunities when cumulative savings surpass associated fees.

For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of May 18, 2026, the 30-Year Fixed Purchase Loan rate remains steady at 6.5%, unchanged from one week ago but up by 200 basis points compared to 30 days prior. This notable increase in yield spreads significantly raises the cost of borrowing for new homebuyers relying on fixed-rate financing. For members prioritizing payment stability, locking in a fixed rate now may help avoid further upward pressure. First-time buyers should assess affordability carefully given the recent rise, while those considering refinancing might evaluate whether current rates justify delaying action or seeking alternative loan structures. Given these dynamics, it is prudent to review your mortgage strategy with a focus on long-term cost implications and potential savings opportunities. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

On May 18, 2026, 15-year Fixed Purchase mortgage rates increased by 25 basis points to 5.75%, marking the lowest rate among today’s options. Similarly, the 30-year Fixed Purchase rate rose by 25 basis points, now at 6.50%. These shifts reflect a modest rise in borrowing costs over the past week and month, impacting affordability for first-time homebuyers and those prioritizing long-term financing stability. Borrowers considering shorter terms may find the 15-year fixed advantageous due to its lower yield spread, while those seeking longer amortization face higher costs with the 30-year fixed. Members should assess their financial goals; for example, fixed-rate products remain suitable for those valuing predictability amid rising rates. Evaluate refinancing if potential savings surpass transaction expenses to optimize your mortgage strategy.

For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of May 18, 2026, mortgage rates for EECU members remain steady across key fixed-rate purchase products. The 15-Year Fixed loan holds at a competitive 4.00%, maintaining the lowest yield among available options with no change over the past week or month. Similarly, the 30-Year Fixed Conforming rate stands firm at 4.50%, showing no variation in recent periods.

For buyers prioritizing predictability and stable monthly payments, these unchanged rates support consistent borrowing costs without increased yield spreads. First-time homebuyers may find the 15-Year Fixed advantageous for faster principal reduction, while those seeking longer-term affordability can consider the 30-Year Fixed Conforming.

Given the static nature of rates, members should evaluate their mortgage strategies carefully; those with existing loans might explore refinancing only if potential savings surpass associated costs. Consider fixed-rate options if you value payment stability amid market fluctuations.

For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.

As of May 18, 2026, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates with no changes in recent weeks. The 15-Year Land Loan remains at 6.0%, unchanged over the past 7 and 30 days, reflecting steady borrowing costs for land purchasers seeking shorter terms. Meanwhile, the 30-Year Fixed Purchase rate holds at a competitive 5.625%, also without movement week-over-week or month-over-month, offering consistent long-term financing costs for homebuyers.

These fixed rates provide predictability in monthly payments, particularly benefiting first-time buyers and those prioritizing budget stability. Veterans or borrowers considering refinancing may find limited rate fluctuation currently; therefore, evaluating loan terms carefully against personal financial goals is advisable.

Given the lack of recent rate shifts, members should consider fixed-rate options if they value payment certainty or assess refinancing only if potential savings exceed associated costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of May 18, 2026, Hawaii State credit union members see notable upward adjustments in mortgage rates. The 15-Year Fixed Purchase rate increased by 25 basis points, now at 5.5% with 2.0 points, reflecting a rise in borrowing costs for shorter-term fixed loans. Similarly, the 30-Year Fixed Purchase rate edged up by 12.5 basis points to 6.125% with 1.875 points, indicating a moderate increase in long-term financing expenses.

These changes suggest higher yield spreads affecting both first-time buyers and those locking in longer terms, potentially impacting monthly payments and overall affordability. Members prioritizing payment stability may consider evaluating their mortgage strategy, particularly comparing the cost benefits of shorter versus longer fixed terms amid rising rates.

Given current market trends, members should assess refinancing opportunities if projected savings exceed associated fees to optimize their financial position.

For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.

As of May 18, 2026, 15 Year Fixed Rate Purchase Loans are priced at 4.625% with 2.125 points, marking a significant increase of 50 basis points over the past week and 37.5 basis points compared to 30 days ago. Meanwhile, the 30 Year Fixed Rate Purchase Loans stand at 5.625% with 2.25 points, reflecting a rise of 25 basis points in the last seven days and an overall increase of 37.5 basis points month-over-month.

These upward shifts in rates indicate higher borrowing costs for homebuyers, particularly affecting first-time purchasers who may face increased monthly payments and yield spreads that narrow affordability margins. Veterans and others seeking longer-term stability should note the relative premium on 30-year fixed options. Members considering refinancing should carefully evaluate if potential savings outweigh these recent rate hikes.

Given these trends, members may benefit from considering fixed-rate mortgages if prioritizing payment predictability or assessing refinancing strategies aligned with long-term cost efficiency.

For details, visit https://www.hawaiiusafcu.com/resources/planning-tools/rates-fees/mortgage-rates.

On May 18, 2026, Houston FCU’s fixed-rate mortgage offerings show stable yield spreads for purchase loans. The 15-year fixed purchase rate is at 4.875%, marking a significant decrease of 261.5 basis points compared to seven days ago, reflecting a notable drop in borrowing costs for shorter-term buyers. This rate remains the lowest available, benefiting members seeking quicker payoff periods with reduced interest expenses.

Meanwhile, the 30-year fixed purchase rate holds steady at 5.75%, unchanged over both the past week and month, indicating consistent long-term borrowing costs. This stability supports members prioritizing predictable payments without exposure to market volatility.

Members should consider fixed-rate options if they value payment certainty or evaluate refinancing opportunities where rate reductions meaningfully offset closing costs. Careful analysis of these trends can help align mortgage decisions with financial goals.

For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of May 18, 2026, mortgage rates for Newport News Shipbuilding Employees show a rise in borrowing costs. The 15-Year Fixed Purchase rate increased by 25 basis points, now at 6.125%, reflecting a modest yield spread expansion over the past week. Similarly, the 30-Year Fixed Purchase rate rose by 25 basis points to 6.625%, marking its highest level in 60 days and signaling higher long-term financing expenses.

For members prioritizing payment stability, the 15-Year Fixed option remains the lowest available rate today, albeit with recent upward pressure. These shifts may impact first-time buyers and those considering new purchases by increasing monthly obligations. Evaluating fixed-rate mortgages could help manage interest rate risk amid this volatility.

Given these trends, members should analyze their mortgage strategy carefully; consider refinancing if potential savings outweigh closing costs or if locking in fixed rates aligns with your financial goals. For details, visit https://www.bayportcu.org/rates/#:~:text=Apply%20now-,MORTGAGE%20RATES,-Fixed%20Rate%20Mortgages.

As of May 18, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is currently at 6.135%, reflecting an increase of 4 basis points from yesterday and a rise of 11 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo has risen to 6.357%, up by 10 basis points in one day and showing a slight increase of 9 basis points in the last month. Borrowers should note that while the 15-Year Fixed Rate Jumbo has seen significant fluctuations recently, it remains competitive for those seeking shorter loan terms. Monitoring these trends can help borrowers make informed decisions regarding their mortgage options.

Inflation expectations, reflected in the Breakeven Inflation Rates of 10 years at 2.490% and 5 years at 2.700%, can significantly influence mortgage rates and the overall cost of borrowing. Recently, the Mortgage 30Yr Average Rates saw a substantial decline of 6.36 points in just one day, marking it as the largest change in this period. Additionally, over the last 30 days, these rates have fallen by 6.30 points, indicating a trend that may benefit borrowers seeking lower costs. Currently, the lowest mortgage rate noted is for FHA loans at 6.291%. Borrowers should consider these shifts when planning their financing options, as changing rates can impact affordability and financial strategies.

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