Introduction
July 19, 2025, brings a fresh wave of mortgage insights that could make all the difference in your homebuying journey. Whether you’re eyeing your first purchase, considering a refinance, or just keeping an ear to the ground on market trends, today’s data paints a picture of steady but selective opportunity. Credit Unions are showing some intriguing adjustable-rate mortgage options with rates hovering around 5.375% to 6.125%, including Navy Federal Credit Union’s 3/5 Conforming ARM at 5.375%—one of the lowest adjustable rates available right now. On the fixed side, Zillow reports the 30-year fixed jumbo loan at 6.707%, nudging slightly higher but still competitive for bigger purchases. Meanwhile, inflation expectations from the Federal Reserve suggest a subtle uptick but nothing alarming, helping keep long-term borrowing costs relatively predictable. Here’s what you need to know before locking in a rate: while some adjustable rates remain attractively low, even small increases—like the recent 8 basis point rise in Zillow’s 15-year fixed jumbo—can ripple through your monthly payments. So whether you prefer the stability of fixed rates or the initial savings of ARMs, this snapshot equips you with clarity and confidence.
New Purchase - Adjustable
Lender
Term
2025-07-19
(Current Day)
(Current Day)
2025-07-12
(7 Days Ago)
(7 Days Ago)
2025-07-04
(15 Days Ago)
(15 Days Ago)
2025-06-19
(30 Days Ago)
(30 Days Ago)
2025-06-04
(45 Days Ago)
(45 Days Ago)
2025-05-20
(60 Days Ago)
(60 Days Ago)
Affinity Plus
5 yrs
7 yrs
5.25%
5.50%
5.25%
5.50%
5.25%
5.50%
5.38% +12.5 bps
5.63%
5.50% +25 bps
5.75% +12.5 bps
5.50% +25 bps
5.75% +12.5 bps
Digital
5 yrs
7 yrs
10 yrs
5.50%
5.75%
5.88%
5.38% -12.5 bps
5.75% -12.5 bps
5.75%
5.25% -25 bps
5.50% -25 bps
5.75% -12.5 bps
5.38%
5.63%
5.75%
N/A
N/A
Navy Federal Credit Union
5 yrs
30 yrs
5.38%
5.63%
5.25% -12.5 bps
5.50% -12.5 bps
5.25%
5.50% -12.5 bps
5.38% +12.5 bps
5.63%
5.50% +25 bps
5.75% +12.5 bps
5.50% +25 bps
5.75% +12.5 bps
Nuvision
5 yrs
5.5 yrs
6.5 yrs
5.25%
5.38%
5.75%
5.25%
5.38%
5.75%
5.25%
5.38%
5.75%
N/A
N/A
N/A
State Department Federal Credit Union
5 yrs
6 yrs
7 yrs
10 yrs
15 yrs
5.88%
5.88%
6.00%
6.13%
5.75% -12.5 bps
5.88% -12.5 bps
5.88%
6.00% -12.5 bps
N/A
5.75% -12.5 bps
5.75%
5.88%
6.00% -12.5 bps
5.75% -12.5 bps
5.88% -25 bps
5.88% +12.5 bps
7.63% +175 bps
6.13%
6.38%
Affinity Plus
On July 19, 2025, the 7/6m ARM Adjustable-Rate, Conventional Purchase mortgage remains steady at a rate of 5.50%, showing no change over the past 7 days but a 12.5 basis points increase compared to 30 days ago. This upward movement slightly raises the cost of borrowing for buyers relying on adjustable-rate products, particularly impacting those planning short-term ownership or expecting rate resets within five years. First-time buyers may need to factor in potential yield spread adjustments at reset periods, while refinancing candidates should carefully assess whether locking in fixed rates aligns better with their financial goals. Given the current environment, members are advised to evaluate their mortgage strategy, considering both market trends and personal timelines to optimize long-term affordability and risk management.
Digital
On July 19, 2025, purchase adjustable-rate mortgages (ARMs) show nuanced shifts in borrowing costs. The 5yr/6mo ARM increased by 12.5 basis points, reaching a rate of 5.50%, marking the lowest among today's ARMs but reflecting a tightening yield spread compared to last week and month. The 7yr/6mo ARM remains stable at 5.75%, indicating a pause in cost fluctuations for mid-term adjustable loans. Meanwhile, the 10yr/6mo ARM rose by 12.5 basis points to 5.875%, suggesting higher long-term market pressure.
For members prioritizing short-term flexibility with lower initial rates, the 5yr/6mo ARM at 5.50% offers the most competitive entry point despite recent increases. Borrowers should assess interest rate risk tolerance and consider fixed-rate alternatives if predictability is essential. Evaluating refinancing opportunities now may help mitigate rising costs amid evolving market conditions.
Navy Federal Credit Union
On July 19, 2025, 3/5 Conforming ARM Purchase loans show an increase to 5.375%, up by 12.5 basis points from last week, reflecting a modest uptick in borrowing costs for longer-term adjustable mortgages. Meanwhile, the 5/5 Conforming ARM Purchase option holds steady at 5.625%, also rising by 12.5 basis points over seven days but unchanged over 30 days, indicating relative stability in shorter-term adjustable rates.
For members prioritizing lower initial rates, the 3/5 ARM at 5.375% represents the most competitive yield today. First-time buyers and those seeking flexibility should weigh potential rate adjustments against these recent increases. Veterans and repeat purchasers may find value assessing whether locking in a fixed rate aligns better with their financial strategies given current yield spreads.
Considering these movements, evaluating your mortgage approach—whether refinancing or purchasing—is critical to managing long-term cost exposure amid shifting rate dynamics.
Nuvision
As of July 19, 2025, purchase adjustable-rate mortgages at Nuvision remain stable. The 5/5 ARM Conforming holds steady at 5.75% with 1.0 point, showing no change over the past week. Similarly, the 7/6 ARM Conforming maintains its position at the lowest available rate of 5.375% with 1.125 points, also unchanged in seven days.
For members considering adjustable-rate options, this stability means consistent borrowing costs without recent yield spread fluctuations. First-time buyers and those seeking flexibility can evaluate these ARMs knowing current rates have not increased, preserving predictable initial payments.
Given these conditions, members should consider fixed-rate alternatives if prioritizing long-term rate certainty or assess adjustable products for short-to-medium-term affordability. Monitoring market trends remains essential to optimize mortgage strategies amid potential future volatility.
State Department Federal Credit Union
On July 19, 2025, Conforming 5/5 ARM Purchase loans exhibit the lowest rate at 5.875% with a +12.5 basis points increase over the past week and month, indicating a modest rise in the cost of borrowing for short-term adjustable-rate products. Similarly, the Conforming 15/15 ARM Purchase rate increased by 12.5 bps to 6.125%, reflecting higher yield spreads for longer fixed periods within ARMs. The Conforming 7/6 ARM remains steady at 5.875%, offering stability amid recent volatility. Meanwhile, the Conforming 10/6 ARM rose by 12.5 bps to 6.0%, signaling incremental tightening in mid-term adjustable rates.
Members planning purchases should carefully evaluate these rising yields, especially first-time buyers balancing initial affordability with future adjustments. Consider fixed-rate alternatives if prioritizing payment predictability, or review refinancing strategies as rates evolve to optimize long-term financing costs.
Zillow National Average
As summer sizzles on, mortgage rates are reflecting a mix of stability and slight upticks. Today, the 15-Year Fixed Rate Jumbo stands firm at 6.929%, unchanged from yesterday but up by 0.21% over the past week. For first-time buyers, these minor shifts can mean significant impacts; even a small increase could add thousands to your long-term costs. Meanwhile, investors may want to focus on potential rental yields amidst this gradual rise.
With the Federal Reserve signaling possible future rate hikes, now might be the time to act if you’re considering locking in a mortgage rate. A mere 0.25% increase can inflate your monthly payments substantially, affecting your overall financial picture. Consult with a mortgage advisor today to explore tailored options that suit your goals and stay informed as market conditions evolve—you don’t want to miss out on potential savings!
Federal Reserve Economic Trends
As we navigate the currents of the U.S. economy, a noteworthy shift has emerged in mortgage rates and inflation expectations. Over the past week, Mortgage 30Yr Jumbo Average Rates dropped by 0.11 points, hinting at a potential easing for homebuyers and investors alike. This decline is significant when you consider how even a modest decrease can lower monthly payments; for instance, a drop of just 0.1% on a $300,000 loan can save you around $20 each month.
Inflation trends are closely tied to interest rates; as inflation expectations rise—like the notable increase in the Breakeven Inflation Rate 5Yr by 0.14 points over the last month—mortgage costs typically follow suit. This means that now may be an opportune time for first-time buyers or those considering refinancing to consult with a mortgage advisor.
With rates currently standing at 6.750% for 30-year fixed mortgages, it’s crucial to stay vigilant about economic changes and Federal Reserve decisions that could influence these numbers further. Locking in a rate now might provide more stability than waiting for potential hikes down the road!
For those looking to enter or expand within real estate, monitoring these trends is essential. Whether you're a first-time buyer or seasoned investor, understanding this landscape can lead to informed financial decisions that pay off in the long run. Keep your eyes peeled and your options open!
LendMesh
If you’ve ever wished for a little less stress in your mortgage search, you’re not alone. We built LendMesh after hearing from families who felt overwhelmed by conflicting information and fine print. Our solution? Connect you directly with banks and credit unions we trust, put rates and options in clear language, and back it all with real human guidance every step of the way. Whether you’re a planner who loves to research or someone who just wants a trusted recommendation, you’ll find what you need on our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh was built for peace of mind—let’s make your next move the easiest one yet.
Conclusion
As you navigate these shifting mortgage waters, remember that every fraction of a percentage point matters—not just today but over decades of homeownership. The slight upward nudges we’ve seen this week underline why acting sooner rather than later can save you hundreds each month and thousands over the life of your loan. If adjustable rates like Navy Federal’s 3/5 ARM at 5.375% catch your eye, weigh their initial affordability against future adjustments carefully. For those leaning fixed, keeping an eye on Jumbo loan trends from Zillow and FRED offers valuable context for bigger financial decisions. Ultimately, staying informed and ready to move when conditions align is your best strategy. Keep tabs on these evolving rates and lean into trusted advice tailored to your unique goals—because securing a mortgage isn’t just about numbers; it’s about building your dream home and peace of mind for years ahead. With today’s insights in hand, you’re better equipped to make choices that feel right for you—and that’s what truly counts.