Introduction

July 14, 2025, brings a moment to pause and look closely at the mortgage landscape as rates hold steady across many credit unions, with just a few nudges upward. If you’ve been eyeing that perfect home or thinking about refinancing, now’s the time to tune in. The lowest rate on the board today is from Hawaiistatefcu offering a 5.25% 15-year fixed purchase loan, a solid pick for those who want to shorten their mortgage term without paying extra points. Meanwhile, Zillow reports a slight uptick in jumbo loan rates, with the 15-year fixed jumbo rising to 6.83%, signaling some tightening in that space. On the inflation front, the Federal Reserve’s breakeven inflation rates ticked up modestly but steadily — a reminder that keeping an eye on economic trends can help you make smarter borrowing choices. Here’s what you need to know before locking in a rate: understanding these subtle shifts could save you hundreds each month and thousands over your loan’s life.

New Purchase - Conventional 15 yrs Fixed

Lender
2025-07-14
(Current Day)
2025-07-07
(7 Days Ago)
2025-06-29
(15 Days Ago)
2025-06-14
(30 Days Ago)
2025-05-30
(45 Days Ago)
2025-05-15
(60 Days Ago)
Affinity
5.75%
5.75%
America S First
5.25%
Apple
5.63%
5.50%
-12.5 bps
5.63%
Digital
5.38%
5.25%
-12.5 bps
5.25%
-12.5 bps
5.50%
+12.5 bps
5.63%
+25 bps
5.63%
+25 bps
Hawaiistatefcu
5.25%
5.25%
5.13%
-12.5 bps
5.50%
+25 bps
5.50%
+25 bps
5.50%
+25 bps
Knoxville Tva Employees
5.38%
5.38%
5.38%
Navy Federal Credit Union
5.25%
5.25%
5.38%
+12.5 bps
5.50%
+25 bps
5.50%
+25 bps
5.50%
+25 bps
Nuvision
5.38%
5.38%
State Department Federal Credit Union
5.63%
5.63%
5.63%
5.88%
+25 bps
6.00%
+37.5 bps
6.00%
+37.5 bps
Tower
5.50%
5.50%

New Purchase - Conventional 30 yrs Fixed

Lender
2025-07-14
(Current Day)
2025-07-07
(7 Days Ago)
2025-06-29
(15 Days Ago)
2025-06-14
(30 Days Ago)
2025-05-30
(45 Days Ago)
2025-05-15
(60 Days Ago)
Affinity
6.38%
6.38%
Affinity Plus
6.75%
6.75%
6.75%
7.00%
+25 bps
6.88%
+12.5 bps
6.88%
+12.5 bps
America S First
6.88%
Apple
6.50%
6.50%
6.50%
Digital
6.13%
6.13%
6.13%
6.25%
+12.5 bps
6.50%
+37.5 bps
6.50%
+37.5 bps
Hawaiistatefcu
6.38%
6.25%
-12.5 bps
6.25%
-12.5 bps
6.50%
+12.5 bps
6.50%
+12.5 bps
6.50%
+12.5 bps
Knoxville Tva Employees
6.38%
6.38%
6.38%
Navy Federal Credit Union
6.13%
6.13%
6.25%
+12.5 bps
6.38%
+25 bps
6.38%
+25 bps
6.38%
+25 bps
Nuvision
6.25%
6.25%
State Department Federal Credit Union
6.38%
6.38%
6.38%
6.38%
6.75%
+37.5 bps
6.75%
+37.5 bps
Tower
6.50%
6.50%

Affinity

On July 14, 2025, mortgage rates remain steady for key purchase programs at Affinity Credit Union. The 15-Year Fixed Rate Purchase holds at 5.75%, unchanged over the past week, indicating stable yield spreads and consistent borrowing costs for members seeking shorter-term commitments. Similarly, the 30-Year Fixed Rate Purchase remains at 6.375%, with no movement from last week.
For homebuyers prioritizing lower monthly payments and long-term predictability, the 15-Year Fixed Rate offers the lowest cost of borrowing today. This stability benefits those planning purchases without immediate refinancing needs. Members should consider fixed-rate options if valuing payment certainty, particularly given the absence of recent rate fluctuations.
Evaluating your mortgage strategy in this environment means weighing term length against interest expense—stability in rates supports data-driven decisions regarding loan tenure and affordability.

Affinity Plus

On July 14, 2025, the 30-Year 97% Purchase Fixed-Rate, Conventional mortgage holds steady at a rate of 6.75%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This yield spread compression signals a modest reduction in the cost of borrowing over the past month, potentially benefiting first-time buyers aiming for high loan-to-value financing. For members prioritizing rate stability, this fixed-rate option continues to offer predictability amid fluctuating market conditions. Veterans and refinance applicants should monitor these trends closely, although no VA or refinance-specific products are reported today. Given current market data, members may want to consider fixed-rate mortgages to lock in favorable terms or evaluate refinancing opportunities where applicable to optimize long-term financial outcomes.

Apple

On July 14, 2025, 15 Year Fixed Rate Purchase loans increased by 12.5 basis points, rising to 5.625% from last week’s 5.5%, reflecting a modest uptick in borrowing costs for short-term fixed mortgages. The 30 Year Fixed Rate Purchase loan remained steady at 6.5%, showing no change over the past seven days and maintaining its position as the highest yield product in this update.
For members seeking lower payments or quicker equity build-up, the increase in the 15 Year Fixed rate implies slightly higher monthly obligations compared to last week, while the stable 30 Year Fixed rate preserves predictability for long-term financing. First-time buyers prioritizing affordability should closely monitor these shifts as they impact total interest paid over time.
Given these movements, consider your mortgage horizon carefully: fixed-rate options offer rate stability amid moderate yield spreads, while refinancing strategies may benefit from evaluating current market levels to optimize cost of borrowing.

Digital

On July 14, 2025, the 15 Years Fixed Purchase mortgage rate increased by 12.5 basis points to 5.375%, marking a slight rise compared to last week but down 12.5 basis points from 30 days ago. This shift marginally raises the cost of borrowing for borrowers prioritizing shorter-term stability. Meanwhile, the 30 Years Fixed Purchase rate held steady at 6.125%, maintaining its yield spread over the 15-year product and reflecting no weekly change but a 12.5 basis point decrease month-over-month.
For members considering home purchases, especially first-time buyers, the lower recent rates on the 15-year fixed may offer value in accelerated equity building despite modest short-term increases. Those focused on long-term affordability might evaluate the unchanged 30-year fixed option for predictable payments. Given these dynamics, members should assess their mortgage strategy carefully, weighing fixed-rate options if stability is key and monitoring refinancing opportunities to optimize financing costs.

Hawaiistatefcu

On July 14, 2025, 15-year fixed purchase mortgages maintain the lowest rate at 5.25% with 2.0 points, unchanged over the past week but down 25 basis points compared to 30 days ago, signaling a modest easing in borrowing costs for shorter-term commitments. Conversely, the 30-year fixed purchase mortgage rose by 12.5 basis points week-over-week to 6.375%, though it remains 12.5 basis points lower than one month prior, reflecting moderate yield spread fluctuations impacting long-term financing costs.
These movements suggest that borrowers prioritizing stability and lower rates may find the 15-year fixed advantageous, while those seeking longer terms should carefully assess recent increases in rate levels. Members are advised to evaluate refinancing strategies or new purchase plans considering current cost dynamics and term preferences to optimize their mortgage portfolio effectively.

Knoxville Tva Employees

On July 14, 2025, Fixed-Rate Purchase Mortgages in Knoxville-TVA-Employees Credit Union show stable pricing. The 15-Year Fixed Purchase Loan holds steady at 5.375%, maintaining the lowest rate available today, with no change over the past 7 days. Similarly, the 30-Year Fixed Purchase Loan remains fixed at 6.375%, reflecting no yield spread movement week-over-week.
For members prioritizing predictable payments, the unchanged rates suggest minimal volatility in borrowing costs. First-time buyers might find the 15-Year Fixed option at 5.375% advantageous for faster equity build-up, while those seeking longer terms have consistent pricing at 6.375%. Given this stability, evaluating mortgage strategies to lock in current fixed rates could be prudent, especially amid broader market uncertainties.
Members should consider their long-term goals and risk tolerance when selecting between these fixed-rate products to optimize financing costs effectively.

Navy Federal Credit Union

As of July 14, 2025, 15-Year Fixed Purchase loans maintain the lowest rate at 5.25% with a slight increase of +0 basis points (bps) over the past week but a notable decline of -25 bps compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate holds steady at 6.125%, unchanged this week yet down by -25 bps month-over-month. These stable yield spreads suggest marginally lower long-term borrowing costs than a month prior, benefiting buyers prioritizing predictable payments and cost certainty. First-time homebuyers may find the 15-year fixed option financially efficient due to reduced total interest, while those seeking longer amortization might consider the 30-year fixed. Given these trends, members should evaluate refinancing opportunities to lock in improved rates or assess fixed-rate products if payment stability aligns with their financial goals.

Nuvision

On July 14, 2025, 15-Year Conforming Fixed Purchase loans maintain the lowest rate at 5.375% with 1.125 points, showing no change over the past week. Similarly, the 30-Year Conforming Fixed Purchase loan holds steady at 6.25% with 1.25 points, reflecting no movement in yield spreads compared to seven days ago.
For members prioritizing predictability, the stable 15-year fixed rate offers a lower cost of borrowing and faster equity buildup, benefiting buyers aiming for shorter loan terms. Conversely, the unchanged 30-year fixed rate remains a viable option for those seeking lower monthly payments despite a longer amortization.
Given these static rates, members should evaluate their mortgage strategy carefully—consider fixed-rate options if stability is essential or assess refinancing possibilities to optimize long-term financial outcomes amid current market conditions.

State Department Federal Credit Union

On July 14, 2025, the Conforming 15 Year Fixed Purchase mortgage rate holds steady at a competitive 5.625% with 0.625 points, marking a notable 25 basis point decrease over the past 30 days. This reduction lowers the cost of borrowing, benefiting buyers seeking shorter-term stability and potentially reducing total interest paid. Conversely, the Super Conforming 30 Year Fixed Purchase rate remains unchanged at 6.375% with 0.875 points, maintaining consistent yield spreads for long-term financing options.
Members prioritizing predictable payments may consider the 15-year fixed option to capitalize on recent rate declines. Meanwhile, those focused on monthly affordability might evaluate the stable 30-year fixed rates amid minimal movement. Assessing these trends can inform strategic decisions around purchase timing and mortgage structuring based on individual financial goals and risk tolerance.

Tower

On July 14, 2025, mortgage rates at Tower Credit Union remain stable with no change over the past week for both 15-Year Fixed Purchase and 30-Year Fixed Purchase at 100% Financing programs. The 15-Year Fixed Purchase rate holds at a competitive 5.5%, representing the lowest yield among today’s options, supporting borrowers prioritizing shorter-term debt reduction. Meanwhile, the 30-Year Fixed Purchase rate stands at 6.5%, maintaining cost certainty for buyers requiring full financing without down payment.
These unchanged rates imply steady borrowing costs amid current market conditions, allowing members to assess their mortgage strategies without concern for immediate rate volatility. First-time buyers can benefit from predictable payments with fixed terms, while those evaluating long-term affordability should consider fixed-rate products to manage interest expense effectively.
Members are encouraged to review their mortgage plans in light of these stable yields and consider refinancing if current rates align favorably with their financial goals.

Zillow National Average

As we dive into this week’s mortgage landscape, the 15-Year Fixed Rate Jumbo has taken center stage with a sharp rise of 0.11% in just one day, reflecting a broader trend of gradual increases. Today, rates are showing a mixed bag; while the 30-Year Fixed Rate Jumbo remains stable, it’s the shorter-term loans that are seeing notable hikes. For first-time buyers, even a small uptick like this can translate to significant long-term costs—potentially adding thousands to your mortgage over its lifespan.
If you're considering refinancing or entering the investment market, now might be the time to lock in your rates before they climb further. For homeowners seeking stability, aligning with current rates could yield savings down the road. Speak with a mortgage advisor today to explore your best options, especially as the Fed hints at future rate hikes. Staying informed and ready to act can make all the difference in achieving your financial goals!

Federal Reserve Economic Trends

As of July 14, 2025, mortgage rates have taken a significant dip, particularly the 30-Year Jumbo Average Rates, which plummeted by 7.02 points in just one day. This sharp decline is noteworthy as it signals a potential shift in the market, influenced by recent trends in inflation expectations. With the Breakeven Inflation Rate for 10 years holding steady at 2.370%, buyers may find opportunities to secure better financing options.
Inflation plays a crucial role in shaping interest rates; when inflation expectations rise, so do mortgage rates, ultimately increasing loan costs. For example, even a modest increase of just 0.25% on a $300,000 loan can add over $40 to monthly payments and thousands in interest over the life of the loan.
With such volatility in mortgage rates, especially for jumbo loans, now might be an ideal time for first-time buyers and refinancers to act. Locking in lower rates could lead to significant savings—consulting with a mortgage advisor can help navigate these fluctuations effectively.
Stay informed about economic changes and Federal Reserve decisions that could further impact these rates. Being proactive now could position you favorably for future investments or home purchases!

LendMesh

The path to homeownership can look different for everyone—maybe you’re taking things slow or perhaps you’re ready to make a move this season. At LendMesh, we see it all: teachers, business owners, families with big dreams, and retirees searching for something smaller. What unites them? The need for clear, unbiased advice. Our advisors connect you with a blend of community-focused credit unions and reputable banks, all on a platform built for real life, not just sales pitches. From understanding rate changes to budgeting for closing costs, our resources make your next steps easier. Discover how we can help by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story is unique, and your mortgage should be too.

Conclusion

As we look ahead, remember that even small movements in mortgage rates can ripple through your finances in surprising ways. A quarter-point increase might feel minor today but can add up to significant extra costs over 15 or 30 years. Whether you’re buying your first home, upgrading, or refinancing for better terms, prioritizing loans with competitive fixed rates like the 5.25% from Hawaiistatefcu or exploring options from trusted credit unions could be your best move right now. Keep tabs on inflation signals and national averages — they often hint at where rates are heading next. Above all, don’t rush; take time to compare programs carefully and consider how long you plan to stay in your home. This thoughtful approach ensures your mortgage aligns perfectly with your financial goals and lifestyle, turning today’s decisions into tomorrow’s peace of mind.