Introduction

As of June 30, 2025, the mortgage landscape is showing encouraging signs for homebuyers and refinancers alike. After weeks of steady climbs, rates have inched downward just enough to catch the eye—and maybe even spark some action. If you’ve been holding off on locking in a rate, today’s data from credit unions, Zillow, and the Federal Reserve offer some promising news. The lowest 15-year fixed purchase rate sits at 5.125% through Hawaiistatefcu, while for those eyeing longer terms, a solid 6.125% for a 30-year fixed loan is available at Digital Credit Union. Even national averages reflect this subtle easing, with Zillow reporting a slight dip to 6.553% on their 30-year fixed jumbo loans. Inflation expectations are cooling too, as seen in the Fed’s breakeven inflation rates sliding gently lower over the past week—good news for keeping borrowing costs manageable. Here’s what you need to know before locking in a rate: small shifts like these can make a meaningful difference in your monthly payment or long-term savings.

New Purchase - Conventional 15 yrs Fixed

Lender
2025-06-30
(Current Day)
2025-06-23
(7 Days Ago)
2025-06-15
(15 Days Ago)
2025-05-31
(30 Days Ago)
2025-05-16
(45 Days Ago)
Citadel
5.38%
5.50%
+12.5 bps
Desert Financial
5.50%
5.63%
+12.5 bps
5.75%
+25 bps
5.88%
+37.5 bps
5.75%
+25 bps
Digital
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.63%
+37.5 bps
5.50%
+25 bps
First Flight Federal Credit Union
5.63%
5.88%
+25 bps
5.88%
+25 bps
5.88%
+25 bps
5.88%
+25 bps
Hawaiistatefcu
5.13%
5.25%
+12.5 bps
5.50%
+37.5 bps
5.38%
+25 bps
5.38%
+25 bps
Knoxville Tva Employees
5.38%
5.38%
Navy Federal Credit Union
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.50%
+25 bps
5.50%
+25 bps
Nuvisionfederal
5.38%
5.38%
5.50%
+12.5 bps
5.63%
+25 bps
5.50%
+12.5 bps
State Department Federal Credit Union
5.50%
5.63%
+12.5 bps
5.75%
+25 bps
6.00%
+50 bps
6.00%
+50 bps
Wings Financial
5.50%
5.63%
+12.5 bps

New Purchase - Conventional 30 yrs Fixed

Lender
2025-06-30
(Current Day)
2025-06-23
(7 Days Ago)
2025-06-15
(15 Days Ago)
2025-05-31
(30 Days Ago)
2025-05-16
(45 Days Ago)
Affinity Plus
6.75%
6.88%
+12.5 bps
6.88%
+12.5 bps
6.88%
+12.5 bps
6.88%
+12.5 bps
Citadel
6.50%
6.63%
+12.5 bps
Desert Financial
6.38%
6.50%
+12.5 bps
6.50%
+12.5 bps
6.75%
+37.5 bps
6.63%
+25 bps
Digital
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.50%
+37.5 bps
6.25%
+12.5 bps
First Flight Federal Credit Union
6.50%
6.63%
+12.5 bps
6.63%
+12.5 bps
6.88%
+37.5 bps
6.75%
+25 bps
Hawaiistatefcu
6.25%
6.38%
+12.5 bps
6.50%
+25 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
Knoxville Tva Employees
6.38%
6.38%
Navy Federal Credit Union
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.38%
+25 bps
6.38%
+25 bps
Nuvisionfederal
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.63%
+37.5 bps
6.50%
+25 bps
State Department Federal Credit Union
6.25%
6.38%
+12.5 bps
6.25%
6.75%
+50 bps
6.75%
+50 bps
Wings Financial
6.38%
6.50%
+12.5 bps

Affinity Plus

On June 30, 2025, the 30-Year 97% Purchase Fixed-Rate Conventional mortgage offers a rate of 6.75%, marking a 12.5 basis points decrease from one week ago and a similar decline over the past 30 days. This narrowing in yield spreads slightly lowers the cost of borrowing for homebuyers, particularly benefiting first-time purchasers who often seek high loan-to-value options. While refinancing is not currently represented, members considering new purchases can leverage this modest rate improvement to optimize loan affordability. Given market stability, members valuing predictable payments should consider fixed-rate options to mitigate future rate volatility. Evaluating mortgage strategies in light of these shifts can enhance long-term financial planning and housing affordability.

Citadel

On June 30, 2025, 15 Year Purchase Rate Fixed mortgages offer the lowest rate at 5.375%, down 12.5 basis points from last week, indicating a modest decrease in borrowing costs for buyers seeking shorter-term stability. The 30 Year Purchase Rate Fixed mortgages also declined by 12.5 basis points, now at 6.5%, reflecting a similar easing in yield spreads for long-term financing. These shifts suggest slightly improved affordability for first-time homebuyers and those locking in fixed rates. Members evaluating purchase options should consider the trade-off between monthly payment size and total interest over time. Given these trends, it is prudent to assess fixed-rate loans for cost predictability and to review mortgage strategies periodically to optimize long-term financial outcomes amid changing market conditions.

Desert Financial

As of June 30, 2025, 15 Year Fixed Rate Purchase mortgages hold the lowest yield at 5.5% with 1.25 points, reflecting a 12.5 basis points decrease over the past week and a 37.5 basis points decline since 30 days ago. Similarly, the 30 Year Fixed Rate Purchase loan stands at 6.375% with 1.125 points, down by 12.5 basis points week-over-week and 37.5 basis points month-over-month. These narrowing yield spreads reduce the overall cost of borrowing, particularly benefiting buyers seeking long-term financing stability. For members prioritizing predictable payments, fixed-rate options remain financially prudent amid recent rate easing. Evaluating your mortgage strategy in light of these trends can identify opportunities to optimize borrowing costs, especially for first-time buyers assessing purchase timing or those considering longer-term commitments in today’s market environment.

Digital

As of June 30, 2025, mortgage rates for purchase loans have trended lower across fixed-rate products. The 15 Years Fixed option offers the lowest rate at 5.25% with 1.0 point, reflecting a decline of 12.5 basis points (bps) from last week and 37.5 bps over the past month. Similarly, the 30 Years Fixed rate stands at 6.125% with 1.25 points, down by 12.5 bps week-over-week and 37.5 bps month-over-month.
This downward movement reduces the cost of borrowing, benefiting first-time homebuyers seeking shorter-term stability and long-term purchasers aiming for predictable payments. Members considering refinancing should evaluate these declines in yield spreads to optimize their mortgage strategy, particularly if fixed-rate certainty aligns with their financial goals.
Given current trends, members are advised to analyze fixed-rate options carefully and consider refinancing opportunities to enhance long-term affordability.

First Flight Federal Credit Union

On June 30, 2025, 15-Year Fixed Conforming Purchase loans offer the most competitive rate at 5.625%, down 25 basis points from last week and the past 30 days, indicating a notable reduction in borrowing costs for members seeking shorter-term stability. Meanwhile, the 30-Year Fixed Conforming Purchase loans stand at 6.5%, decreasing by 12.5 basis points over seven days and 37.5 basis points compared to a month ago, reflecting improved yield spreads for long-term financing.
These shifts benefit first-time homebuyers aiming for predictable payments under fixed terms and those weighing purchase options. Members should consider locking in rates promptly or exploring refinancing if applicable to optimize long-term financial outcomes. Evaluating fixed-rate products remains prudent when prioritizing payment consistency amid fluctuating market conditions.

Hawaiistatefcu

As of June 30, 2025, 15-year fixed purchase loans offer the most competitive rate at 5.125%, down 12.5 basis points from last week and 25 basis points lower than 30 days ago. Meanwhile, the 30-year fixed purchase mortgage stands at 6.25%, reflecting a decrease of 12.5 basis points over the past week and month. These downward shifts in yield spreads reduce the overall cost of borrowing, benefiting buyers seeking long-term financing stability. First-time homebuyers may find improved affordability with the shorter-term fixed option’s lower rate, while those prioritizing manageable monthly payments might weigh the 30-year term despite its higher yield. Members should assess their financial goals carefully—considering fixed-rate products to hedge against future market volatility—and evaluate refinancing opportunities to optimize loan terms amid these favorable rate movements.

Knoxville Tva Employees

On June 30, 2025, mortgage rates remain steady for Knoxville TVA Employees Credit Union members. The 15-Year Fixed Purchase rate holds at 5.375%, representing the lowest available yield and no change from last week, indicating stable borrowing costs for those prioritizing shorter-term commitments. Meanwhile, the 30-Year Fixed Purchase rate remains at 6.375%, also unchanged over seven days, sustaining current cost structures for long-term financing.
These flat yield spreads suggest consistent market conditions without upward pressure on rates, benefiting first-time buyers and those seeking predictable payments. Members should consider fixed-rate options if stability is a priority and routinely evaluate refinancing to optimize long-term expenses amid static interest trends. Staying informed on these metrics supports prudent mortgage strategy adjustments aligned with personal financial goals.

Navy Federal Credit Union

As of June 30, 2025, fixed-rate purchase mortgages at Navy Federal Credit Union show a notable decline in borrowing costs. The 15-year fixed loan now offers the lowest rate at 5.25%, down 12.5 basis points from last week and 25 basis points over the past month. Similarly, the 30-year fixed purchase mortgage stands at 6.125%, reflecting a decrease of 12.5 basis points in the last seven days and a 25 basis point reduction compared to 30 days ago.
These downward shifts in yield spreads improve affordability for buyers prioritizing long-term stability and those seeking to manage monthly payments effectively. Members considering home purchases or locking in rates may find these adjustments conducive to favorable financing conditions.
Given current trends, members should evaluate refinancing options if holding higher-rate loans or explore fixed-rate products to mitigate interest rate volatility while optimizing long-term cost efficiency.

Nuvisionfederal

On June 30, 2025, 15-Year Conforming Fixed Purchase rates remain steady at 5.375%, holding flat over the past week but down 25 basis points compared to 30 days ago. This sustained stability in shorter-term fixed rates benefits borrowers prioritizing lower yield spreads and reduced interest costs. Meanwhile, the 30-Year Conforming Fixed Purchase rate decreased by 12.5 basis points week-over-week to 6.25%, marking a notable 37.5 basis points decline from a month prior, easing long-term borrowing expenses.
For members weighing mortgage options, those valuing payment predictability should consider the 15-Year Fixed with its lowest available rate today. Conversely, buyers seeking extended terms may find the improved yield on the 30-Year Fixed advantageous for cash flow management. Evaluating these movements can guide strategic decisions around purchase timing or refinancing to optimize cost efficiency in current market conditions.

State Department Federal Credit Union

As of June 30, 2025, Conforming 15 Year Fixed Purchase loans offer the lowest rate at 5.50%, down 12.5 basis points from last week and 50 basis points lower than 30 days ago. This decline reduces the cost of borrowing for members prioritizing quicker home equity buildup. Meanwhile, the Super Conforming 30 Year Fixed Purchase rate stands at 6.25%, also decreasing by 12.5 basis points week-over-week and 50 basis points month-over-month, improving affordability for those seeking longer-term fixed-rate stability. These shifts in yield spreads suggest a favorable environment for buyers locking in fixed terms now. Members should consider fixed-rate options if they value predictable payments or evaluate purchasing strategies to optimize financing costs amid recent rate contractions.

Wings Financial

As of June 30, 2025, the 15-year Fixed-Rate Loan for Purchase offers the lowest yield at 5.5%, reflecting a 12.5 basis points decrease from last week. This reduction in borrowing cost may benefit buyers seeking shorter-term financing with predictable payments. The 30-year Fixed-Rate Purchase Loan stands at 6.375%, also down by 12.5 basis points over seven days, potentially improving affordability for long-term homeowners despite higher overall interest.
These declines in fixed mortgage rates signal tightening yield spreads, which could influence member decisions regarding loan term selection. Borrowers valuing payment stability might consider the current fixed-rate options, while those evaluating long-term affordability should assess how these rate shifts affect total interest expenses.
Members are encouraged to review their mortgage strategies carefully and consider refinancing possibilities where lower rates could reduce long-term costs.

Zillow National Average

As the summer sun blazes on, mortgage rates are showing signs of a gradual cooling, with recent shifts that could impact your home-buying journey. Today, the 15-Year Fixed Rate Jumbo dipped by 0.10%, while the 30-Year Fixed Rate Jumbo saw a modest rise of 0.02% from yesterday. Over the past week, the 15-Year Jumbo has climbed by 0.18%, making it essential for first-time buyers to act swiftly before rates potentially rise further.
For those looking to secure their first home, even a slight drop can translate into significant savings—think lower monthly payments and reduced overall interest. Investors may want to weigh the potential for long-term appreciation against these fluctuating rates as they consider their next moves.
Given the current trajectory, now could be the ideal moment to lock in favorable rates before any further changes. Don’t miss out on today’s potential savings! As always, consult with a mortgage advisor to explore your best options, especially as market conditions evolve. With whispers of future rate hikes from the Fed, staying informed is crucial. Act now and secure your financial future!

Federal Reserve Economic Trends

As we close out June, today's economic update reveals significant shifts in mortgage rates that could impact your financial decisions. The 30-Year Mortgage Average Rates saw a staggering drop of 6.77 points in just one day, reflecting a major opportunity for potential buyers and refinancers alike.
Inflation expectations, as measured by the 10-Year Breakeven Rate, hold steady at 2.290% today, indicating that while inflation is stable, it continues to influence interest rates. For instance, a small increase in rates can add hundreds to your monthly mortgage payment over the life of a loan—making timing crucial when locking in your rate.
The biggest movers over recent weeks include not only the 30-Year average but also the 30-Year FHA Rates, which have remained competitive despite slight fluctuations. For first-time buyers and long-term investors, this environment presents a unique chance to secure favorable financing.
Given these trends, it's wise to consult with a mortgage advisor about locking in low rates before potential Fed adjustments. With economic conditions evolving rapidly, staying informed is key. Monitor these indicators closely; they could define your financial future.

LendMesh

Homeownership can feel complicated, but with the right support, it becomes an exciting adventure. At LendMesh, we’ve created a one-stop platform for comparing mortgage rates, learning about loan options, and connecting with banks and credit unions that value your future. Our resources are written by real advisors who care about your goals, making it easier to ask questions and get clear, honest answers. No matter where you are in your homebuying journey, you’re welcome to start at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make home financing smarter, safer, and more personal—every single day.

Conclusion

Looking ahead, it’s clear that even modest rate declines can unlock real opportunities for buyers and homeowners ready to make a move. Remember, shaving just an eighth of a percent off your mortgage rate could save you hundreds each month—or thousands over the life of your loan. Whether you’re aiming to buy your first home or refinance an existing mortgage, consider acting sooner rather than later while these favorable conditions persist. Keep an eye on trusted sources like credit unions offering competitive fixed-rate options—especially programs like Hawaiistatefcu’s 5.125% 15-year fixed or Digital Credit Union’s 6.125% 30-year fixed, which stand out as some of the most attractive deals right now. Staying informed about inflation trends and national rate movements will also help you time your decision wisely. In this market, patience pays—but so does readiness. So take a deep breath, gather your financial documents, and get ready to lock in a rate that feels right for your future home journey.