Introduction
On June 22, 2026, homebuyers and homeowners are seeing mortgage rates settle into a familiar rhythm with subtle shifts worth watching. If you’re eyeing a new purchase or considering refinancing, there’s some good news: Aloha Pacific Credit Union offers the lowest 15-year fixed purchase rate at 4.5%, while their 30-year fixed stands steady at 5.0%. Zillow’s jumbo loan rates show a slight dip this week, with the 30-year fixed jumbo rate easing to 6.361%. Meanwhile, inflation expectations remain moderate, supporting steady borrowing costs. Here’s what you need to know before locking in a rate, small changes today can mean thousands saved over the life of your mortgage.
New Purchase - Conventional 15 yrs Fixed
Lender
2026-06-22
(Current Day)
(Current Day)
2026-06-15
(7 Days Ago)
(7 Days Ago)
2026-06-07
(15 Days Ago)
(15 Days Ago)
2026-05-23
(30 Days Ago)
(30 Days Ago)
2026-05-08
(45 Days Ago)
(45 Days Ago)
2026-04-23
(60 Days Ago)
(60 Days Ago)
2026-03-24
(90 Days Ago)
(90 Days Ago)
2025-12-24
(180 Days Ago)
(180 Days Ago)
6.13%
6.00%
-12.5 bps
5.88%
-25 bps
6.13%
5.75%
-37.5 bps
5.75%
-37.5 bps
6.00%
-12.5 bps
5.63%
-50 bps
4.63%
4.63%
5.04%
+41.1 bps
5.04%
+41.1 bps
5.04%
+41.1 bps
5.04%
+41.1 bps
5.04%
+41.1 bps
4.71%
+8.3 bps
4.75%
6.00%
+125 bps
6.00%
+125 bps
6.00%
+125 bps
6.00%
+125 bps
6.00%
+125 bps
6.00%
+125 bps
6.25%
+150 bps
5.50%
5.38%
-12.5 bps
5.38%
-12.5 bps
5.50%
5.25%
-25 bps
5.13%
-37.5 bps
5.25%
-25 bps
4.88%
-62.5 bps
5.88%
6.00%
+12.5 bps
5.88%
6.13%
+25 bps
5.75%
-12.5 bps
5.50%
-37.5 bps
5.75%
-12.5 bps
5.50%
-37.5 bps
5.00%
5.00%
5.00%
7.49%
+249 bps
4.88%
-12.5 bps
4.88%
-12.5 bps
7.49%
+249 bps
5.38%
+37.5 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2026-06-22
(Current Day)
(Current Day)
2026-06-15
(7 Days Ago)
(7 Days Ago)
2026-06-07
(15 Days Ago)
(15 Days Ago)
2026-05-23
(30 Days Ago)
(30 Days Ago)
2026-05-08
(45 Days Ago)
(45 Days Ago)
2026-04-23
(60 Days Ago)
(60 Days Ago)
2026-03-24
(90 Days Ago)
(90 Days Ago)
2025-12-24
(180 Days Ago)
(180 Days Ago)
6.38%
6.38%
6.38%
6.50%
+12.5 bps
6.13%
-25 bps
6.00%
-37.5 bps
6.25%
-12.5 bps
6.00%
-37.5 bps
5.50%
5.50%
5.85%
+34.8 bps
5.85%
+34.8 bps
5.85%
+34.8 bps
5.85%
+34.8 bps
5.85%
+34.8 bps
5.50%
5.88%
5.63%
-25 bps
5.63%
-25 bps
5.63%
-25 bps
5.63%
-25 bps
5.63%
-25 bps
5.63%
-25 bps
5.88%
6.00%
6.00%
6.00%
6.13%
+12.5 bps
6.00%
5.88%
-12.5 bps
5.88%
-12.5 bps
5.38%
-62.5 bps
6.25%
6.38%
+12.5 bps
6.25%
6.38%
+12.5 bps
6.00%
-25 bps
6.00%
-25 bps
6.13%
-12.5 bps
5.88%
-37.5 bps
5.88%
5.88%
5.88%
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
6.13%
+25 bps
ALOHA PACIFIC FEDERAL CREDIT UNION
As of June 22, 2026, fixed-rate mortgage products for home purchases at ALOHA PACIFIC remain stable. The 15 Year Conforming Fixed loan holds steady at a competitive 4.5%, unchanged over the past 7 and 30 days. Similarly, the 30 Year Conforming Fixed purchase rate is constant at 5.0%, with no recent fluctuations in yield spreads or cost of borrowing.
For members prioritizing lower monthly payments and long-term predictability, these rates provide consistent financing costs without upward pressure. First-time buyers may benefit from locking in these rates given their stability. Veterans and refinancing borrowers should monitor these benchmarks when evaluating their mortgage strategy.
Given the absence of rate movement, it is advisable to consider fixed-rate options if you value payment stability and to evaluate refinancing only if potential savings exceed transaction costs.
For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.
FOURLEAF FEDERAL CREDIT UNION
On June 22, 2026, 15 Year Fixed Purchase mortgage rates increased by 12.5 basis points to 6.125%, matching the rate from 30 days ago but up from 6.0% a week prior. This rise slightly elevates the cost of borrowing for borrowers seeking shorter-term fixed-rate loans, impacting affordability for buyers aiming to build equity faster. Meanwhile, the 30 Year Fixed Purchase rate remained steady at 6.375%, unchanged over seven days and down 12.5 basis points compared to 30 days ago, offering a more stable option for long-term financing despite recent volatility in shorter terms.
Members prioritizing payment predictability may consider fixed-rate products amid these yield spreads. Evaluating refinancing options could be beneficial if long-term savings outweigh closing costs given current fluctuations.
For details, visit https://www.fourleaffcu.com/rates-calculators/.
COAST CENTRAL CREDIT UNION
On June 22, 2026, the 30-year Fixed-Rate Mortgage for home purchases stands at a notable low of 4.5%, reflecting a substantial decline of 200 basis points compared to both one week and one month ago. This significant reduction in yield spreads lowers the cost of borrowing considerably, benefiting first-time buyers seeking predictable payments and long-term financial planning. While refinancing options are not listed today, members should monitor such shifts closely; reduced rates may present opportunities to lock in stability. Given this volatility, evaluating fixed-rate options is prudent for those prioritizing payment certainty amid changing market conditions. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
FAMILY TRUST FEDERAL CREDIT UNION
As of June 22, 2026, 15-Year Fixed Rate Purchase loans maintain the lowest rate at 4.625%, unchanged from one week ago but down 41 basis points compared to 30 days prior. This reduction in yield spread lowers the cost of borrowing for buyers targeting shorter terms, benefiting those prioritizing faster equity build-up and reduced interest expenses. Meanwhile, the 30-Year Fixed Rate Purchase loan remains steady at 5.5%, with no weekly change and a decline of 35 basis points over the past month, offering long-term stability for borrowers valuing predictable payments.
Members should consider fixed-rate options if they seek consistent monthly obligations amid fluctuating markets. Evaluating refinancing opportunities may be prudent when potential savings exceed associated costs due to recent rate declines. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
On June 22, 2026, the 15-Year Fixed Purchase mortgage rate at First Financial of Maryland declined sharply by 125 basis points to a new low of 4.75%, improving borrowing costs significantly for buyers seeking shorter-term stability. This notable drop contrasts with the 30-Year Fixed Purchase rate, which increased by 25 basis points to 5.875%, raising long-term financing expenses slightly for borrowers prioritizing lower monthly payments.
For members focused on faster equity buildup, the reduced 15-year rate offers a compelling opportunity to lower total interest paid. Meanwhile, those planning longer terms should assess if the recent upward adjustment aligns with their affordability goals. Given these shifts, evaluating fixed-rate options based on loan horizon and financial strategy remains essential.
Consider reviewing your mortgage approach in light of these changes; for details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.
HAWAII STATE FEDERAL CREDIT UNION
As of June 22, 2026, the 15-Year Fixed Purchase mortgage rate increased by 12.5 basis points, rising to 5.5% from last week’s 5.375%. This uptick maintains the rate level seen 30 days ago, indicating short-term yield spread volatility but stable longer-term borrowing costs. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 6.0%, unchanged from a week ago and down 12.5 basis points compared to 30 days prior, reflecting a modest easing in long-term fixed-rate yields.
For members prioritizing predictability, the stable 30-Year Fixed offers consistent cost of borrowing over three decades; meanwhile, the slight rise in the 15-Year Fixed may affect those targeting faster amortization and reduced total interest paid. Evaluate your mortgage strategy accordingly; consider fixed-rate options if you value payment stability or assess refinancing opportunities if savings exceed associated costs.
For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
HERITAGE FINANCIAL CREDIT UNION
On June 22, 2026, 15-year fixed rate mortgages for purchases are at 5.875%, down 12.5 basis points from last week and 25 basis points lower than a month ago. This decline reduces the cost of borrowing for members seeking shorter-term financing, benefiting those aiming to build equity faster with lower interest expenses. Meanwhile, the 30-year fixed purchase mortgage stands at 6.25%, also decreased by 12.5 basis points over seven days and by 12.5 basis points compared to 30 days prior. This narrowing yield spread supports more affordable long-term payments, which may appeal to first-time buyers prioritizing payment stability.
Members should assess their mortgage horizons carefully; considering fixed-rate options can lock in current rates amid recent easing trends. Evaluating refinancing opportunities could be prudent if potential savings outweigh associated costs.
For details, visit https://heritagefcu.com/mortgage/.
HOUSTON FEDERAL CREDIT UNION
As of June 22, 2026, 15-Year Fixed Purchase mortgages hold the lowest rate at 5.0%, unchanged over the past week but down sharply by 249 basis points compared to 30 days ago. This significant decline reduces the cost of borrowing for buyers prioritizing shorter loan terms and faster equity buildup. Conversely, the 30-Year Fixed Purchase mortgage rate remains steady at 5.875%, reflecting a modest increase of 12.5 basis points from 30 days prior, which may affect long-term affordability for borrowers seeking extended repayment periods.
Members evaluating mortgage options should consider fixed-rate loans for payment stability amid recent yield fluctuations. Those with existing higher-rate loans might find refinancing advantageous if the potential savings outweigh closing costs. Transparent assessment of rate trends can guide strategic decisions tailored to individual financial goals.
For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of June 22, 2026, mortgage rates for 15-Year Fixed-Rate Purchase loans remain stable at 5.25%, holding steady over the past week and month with no change in yield spreads. Similarly, the 30-Year Fixed-Rate Purchase mortgage rate persists at 5.50%, unchanged compared to both 7 and 30 days ago. These consistent rates indicate a stable cost of borrowing for members considering home purchases.
For borrowers prioritizing lower interest expense over a shorter term, the 15-year fixed option at 5.25% represents the lowest available rate today. Long-term buyers opting for the 30-year fixed at 5.50% benefit from predictable payments without recent upward pressure on rates.
Members should evaluate their mortgage strategies accordingly; those valuing payment stability may consider locking in current fixed-rate options. Given the unchanged rate environment, first-time buyers and refinancers alike might review their financing plans while rates remain steady.
For details, visit https://www.tvacreditunion.com/borrow/loans/home-loans.html.
SILVER STATE SCHOOLS CREDIT UNION
As of June 22, 2026, mortgage rates at Silver State Schools Credit Union remain steady. The 15-Year Fixed Purchase loan holds the lowest rate at 5.25%, unchanged over the past week and month, maintaining consistent borrowing costs for buyers seeking shorter-term stability. Meanwhile, the 30-Year Fixed Purchase rate stands at 5.75%, also stable with no change in yield spread this week or over the last 30 days, providing predictability for long-term financing.
For members prioritizing cost certainty, fixed-rate options continue to offer reliable terms without recent volatility. First-time buyers and those planning purchases can budget confidently given these stable rates. With no rate increases, now may be an appropriate time to evaluate mortgage strategies; consider fixed-rate loans if you value payment consistency or assess refinancing options when potential savings outweigh closing costs.
Zillow National Average
Mortgage rates have seen a mixed movement today, with the 15-Year Fixed Rate Jumbo at 6.200%, down by 4 basis points from yesterday and 14 basis points lower than 30 days ago. In contrast, the 30-Year Fixed Rate Jumbo stands at 6.361%, reflecting a decrease of 17 basis points from one day ago but an increase of 13 basis points compared to last month. Borrowers may find opportunities in the declining rates for both products, particularly with the 15-Year Fixed Rate Jumbo, which offers the lowest rate among available options. Monitoring these trends can aid borrowers in making informed decisions about their mortgage financing strategies.
Federal Reserve Economic Trends
As of today, breakeven inflation rates for both 10-year and 5-year periods have dropped to 0.000, indicating a significant decline in inflation expectations. This reduction is reflected in the Mortgage 30Yr Jumbo Average Rates, which fell by 6.48 points in just one day, marking the largest daily change across all mortgage types. The lowest mortgage rate recorded is the Mortgage 30Yr FHA Average Rate at 6.308. These shifts suggest that declining inflation expectations could lead to lower borrowing costs, although current rates remain elevated compared to previous periods. Borrowers should monitor these trends closely as they may impact future financing decisions and overall affordability in the housing market.
LendMesh
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Conclusion
As you weigh your options, remember that even small rate changes can significantly affect monthly payments and total interest paid. With some Credit Unions offering attractive 15-year fixed rates under 5%, now is a smart time to explore shorter-term loans if your budget allows. For those seeking larger loan amounts, the recent dip in Zillow’s 30-year jumbo fixed rate to just over 6.3% may open doors to more affordable financing. Keep an eye on inflation trends from the Fed, they influence long-term rates and could shape the market in the months ahead. Whether buying your first home or refinancing, focus on locking in a competitive rate that fits your financial goals rather than chasing minimal dips that might not last. Thoughtful timing and clear budgeting remain your best tools for success.