Introduction
August 11, 2025, brings a fresh look at mortgage rates that might just spark your next move in the housing market. Whether you’re buying your first home, upgrading, or refinancing, today’s numbers from top credit unions and national data sources offer a mix of steady footing and subtle shifts. The good news? The lowest rate for purchase loans is holding strong with Eecu’s 30-year fixed conforming loan at an inviting 4.5%, perfect for buyers seeking stability without breaking the bank. Meanwhile, jumbo loan seekers will notice Zillow’s 30-year fixed jumbo inch up slightly to 6.59%, reflecting a modest nudge in the broader market. Inflation signals from the Federal Reserve show a gentle rise in breakeven inflation rates, hinting at potential future rate moves but nothing drastic just yet. Here’s what you need to know before locking in a rate — understanding these nuances can save you thousands over time and keep your dreams within reach.
New Purchase - Conventional 15 yrs Fixed
Lender
2025-08-11
(Current Day)
(Current Day)
2025-08-04
(7 Days Ago)
(7 Days Ago)
2025-07-27
(15 Days Ago)
(15 Days Ago)
2025-07-12
(30 Days Ago)
(30 Days Ago)
2025-06-27
(45 Days Ago)
(45 Days Ago)
2025-06-12
(60 Days Ago)
(60 Days Ago)
2025-05-13
(90 Days Ago)
(90 Days Ago)
Baxter
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
5.50%
+12.5 bps
5.50%
+12.5 bps
Eastrise
5.88%
5.88%
6.00%
+12.5 bps
Fccu
5.25%
5.25%
Navy Federal Credit Union
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.38%
+25 bps
5.50%
+37.5 bps
Newport News Shipbuilding Employees
6.00%
6.00%
6.13%
+12.5 bps
Nuvision
5.25%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
State Department Federal Credit Union
5.63%
5.63%
5.63%
5.63%
5.50%
-12.5 bps
5.75%
+12.5 bps
6.00%
+37.5 bps
Tower
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
5.50%
+12.5 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2025-08-11
(Current Day)
(Current Day)
2025-08-04
(7 Days Ago)
(7 Days Ago)
2025-07-27
(15 Days Ago)
(15 Days Ago)
2025-07-12
(30 Days Ago)
(30 Days Ago)
2025-06-27
(45 Days Ago)
(45 Days Ago)
2025-06-12
(60 Days Ago)
(60 Days Ago)
2025-05-13
(90 Days Ago)
(90 Days Ago)
Affinity Plus
6.75%
6.75%
6.75%
6.75%
6.75%
6.88%
+12.5 bps
6.88%
+12.5 bps
Baxter
6.50%
6.38%
-12.5 bps
6.50%
6.50%
6.38%
-12.5 bps
Eastrise
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
Eecu
4.50%
4.50%
4.50%
Fccu
6.00%
6.13%
+12.5 bps
Navy Federal Credit Union
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
6.25%
+25 bps
6.38%
+37.5 bps
Newport News Shipbuilding Employees
6.63%
6.63%
6.88%
+25 bps
Nuvision
6.13%
6.25%
+12.5 bps
6.38%
+25 bps
6.25%
+12.5 bps
State Department Federal Credit Union
6.38%
6.38%
6.38%
6.38%
6.25%
-12.5 bps
6.25%
-12.5 bps
6.75%
+37.5 bps
Tower
6.38%
6.50%
+12.5 bps
6.50%
+12.5 bps
6.50%
+12.5 bps
Affinity Plus
On August 11, 2025, the 30-Year 97% Purchase Fixed-Rate Conventional mortgage remains steady at 6.75%, showing no change over the past week or month. This stability in yield spreads indicates consistent borrowing costs for homebuyers, especially benefiting first-time buyers aiming for high loan-to-value financing. With rates holding firm after recent fluctuations, members can assess their purchase timing without pressure from rising costs. Veterans and those considering refinancing should note this fixed rate offers predictability amid market volatility. For borrowers prioritizing payment certainty, maintaining focus on fixed-rate options is prudent. Evaluating your mortgage strategy now can help optimize long-term financial planning in a stable interest rate environment.
Baxter
On August 11, 2025, 15 Year Fixed w/ 1.000 Points Purchase rates decreased by 12.5 basis points, moving from 5.50% to 5.375%, reducing the cost of borrowing for members seeking shorter-term stability. Conversely, the 30 Year Fixed w/ 0.125 Points Purchase rate increased by 12.5 basis points to 6.5%, maintaining previous month levels but raising yield spreads for long-term financing.
Members prioritizing predictable payments may find the lower 15-year fixed rate advantageous for minimizing interest expense over time, while those considering extended amortization should carefully evaluate the increased cost associated with the 30-year fixed option. Given these shifts, borrowers should assess their mortgage strategy with current rate trends in mind, balancing term length and points paid to optimize long-term financial outcomes.
Eastrise
On August 11, 2025, 15-Year Fixed Purchase mortgage rates held steady at 5.875%, with no change from one week ago, maintaining a stable cost of borrowing for members seeking shorter-term financing. Meanwhile, the 30-Year Fixed Purchase rate decreased by 12.5 basis points to 6.25%, reflecting a modest easing in long-term yield spreads over the past week. This decline could benefit buyers prioritizing lower monthly payments despite extended loan durations. First-time homebuyers and those locking in longer terms should consider these trends carefully: the 15-year fixed at 5.875% remains the lowest rate available, offering predictable payments and faster equity build-up. Evaluating fixed-rate options now may provide financial clarity amid fluctuating market conditions, while prospective borrowers might assess refinancing strategies to optimize long-term costs given current rate dynamics.
Eecu
On August 11, 2025, the 30-Year Fixed Conforming Purchase mortgage rate remains steady at 4.5%, showing no change over the past 7 days and maintaining consistent yield spreads compared to one month ago. This stable rate environment preserves borrowing costs for members seeking long-term financing. First-time buyers can benefit from predictable payment structures, while those weighing purchase options avoid increased financing expenses. Although no recent fluctuations occurred, members should continuously evaluate their mortgage strategy, considering fixed-rate loans if they prioritize payment stability amid market uncertainties. Veterans and refinancers are encouraged to monitor shifts closely but currently face no immediate cost changes on this product. Maintaining awareness of rate trends supports informed decisions aligned with individual financial goals.
Fccu
On August 11, 2025, 15 Year Fixed Purchase mortgages remain at a stable 5.25%, showing no change over the past week. This consistent rate offers a lower cost of borrowing for buyers prioritizing shorter-term commitments and equity build-up. Conversely, the 30 Year Fixed Purchase rate declined by 12.5 basis points to 6.00%, reducing yield spreads and potentially lowering monthly payments for long-term borrowers.
For members weighing their options, the stable 15-year fixed rate continues to benefit those seeking predictability and faster amortization, while the recent decrease in the 30-year fixed rate may warrant evaluation of refinancing or purchase strategies aimed at improving cash flow flexibility. Monitoring these movements can support data-driven decisions aligned with individual financial goals and risk tolerance.
Navy Federal Credit Union
On August 11, 2025, Conventional 15-Year Fixed Purchase loans offer the lowest rate at 5.125% with 0.25 points, down 12.5 basis points compared to both one week and one month ago. This decline reflects a tightening in yield spreads, marginally lowering the cost of borrowing for members prioritizing shorter-term financing and faster equity building.
Meanwhile, the Conventional 30-Year Fixed Purchase loan stands at 6.00% with 0.5 points, also reduced by 12.5 basis points over the past 7 and 30 days. This shift benefits long-term buyers aiming to manage monthly payments amid a slight easing in fixed mortgage yields.
Members considering home purchases should evaluate fixed-rate options for rate stability amid recent declines. Those weighing financing terms can leverage these modest rate improvements to optimize borrowing costs aligned with their financial horizon and risk tolerance.
Newport News Shipbuilding Employees
On August 11, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 6.0%, holding firm over the past week with no change in yield spreads. Similarly, the 30-Year Fixed Purchase rate is unchanged at 6.625%, reflecting stable cost of borrowing for long-term homebuyers. The absence of rate movement over 7 days indicates consistent market conditions, benefiting members who prioritize predictability in monthly payments. First-time buyers may find the 15-Year Fixed option appealing for accelerated equity building due to its comparatively lower rate. Meanwhile, those seeking longer-term stability face unchanged financing costs with the 30-Year Fixed product. Given these stable rates, members should evaluate their mortgage strategies carefully—consider fixed-rate options if valuing payment certainty or assess refinancing opportunities to optimize long-term financial outcomes.
Nuvision
On August 11, 2025, 15-Year Conforming Fixed Purchase rates hold steady at 5.25%, showing no change over the past week but a notable decrease of 12.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Conforming Fixed Purchase rate declined by 12.5 basis points week-over-week and month-over-month, now at 6.125%. These shifts suggest a modest easing in borrowing costs for homebuyers opting for fixed-rate mortgages.
For members prioritizing lower monthly payments and long-term predictability, the 15-Year Fixed option offers the lowest rate with stable yields. Conversely, those seeking extended terms might find improved affordability in the 30-Year Fixed, reflecting recent yield spread compression.
Evaluating your mortgage strategy in this environment means weighing fixed-rate stability against term length. Consider refinancing opportunities where these rate trends align with your financial goals to optimize long-term cost efficiency.
State Department Federal Credit Union
On August 11, 2025, state-department-federal-credit-union reports stable mortgage rates for key fixed-rate products. The 15-year Conforming Fixed Purchase loan remains at a competitive 5.625% with 0.625 points, unchanged over the past 7 and 30 days, reflecting steady yield spreads and consistent borrowing costs for members seeking shorter-term financing. Similarly, the 30-year Super Conforming Fixed Purchase loan holds firm at 6.375% with 1.125 points, showing no movement in the last week or month.
For members prioritizing payment stability and long-term planning, these unchanged rates suggest minimal immediate market volatility. First-time buyers and homeowners evaluating purchase options can consider these fixed-rate programs to lock in predictable payments. Given current conditions, members should evaluate fixed-rate options if they value stability and regularly review their mortgage strategy to optimize borrowing costs.
Tower
On August 11, 2025, 15-Year Fixed Purchase mortgages offer the lowest rate at 5.375%, down by 12.5 basis points from both last week and last month, reflecting a modest easing in borrowing costs for borrowers prioritizing shorter-term commitments. Meanwhile, the 30-Year Fixed Purchase with 100% Financing stands at 6.375%, also reduced by 12.5 basis points over seven and thirty days, indicating a slight improvement in yield spreads for long-term financing options requiring full loan-to-value coverage.
These rate declines may benefit first-time homebuyers seeking stability with the 15-year fixed, while buyers pursuing maximum financing might find marginally lower monthly obligations through the 30-year fixed 100% financing product. Given these trends, members should evaluate their mortgage strategies carefully—considering fixed-rate products to lock in current yields or reviewing refinancing opportunities to optimize long-term cost structures amid fluctuating rates.
Zillow National Average
In the ever-shifting landscape of mortgage rates, today brings a slight dip for 30-Year Fixed Rate Jumbo loans, down just 0.01% from yesterday, reflecting a more stable climate compared to recent weeks. This small change may not seem significant, but for first-time buyers, it can mean lower monthly payments and a step closer to homeownership dreams. Over the past month, the 15-Year Fixed Rate Jumbo has experienced a sharper decline of 0.30%, which could offer attractive refinancing options for current homeowners looking to reduce their interest costs.
For investors eyeing long-term gains, even minor rate shifts can impact your overall yield on rental properties—remember that a mere 0.25% increase can add tens of thousands to your mortgage costs over three decades! Now might be the time to strike while rates are still favorable, especially with whispers of potential Fed rate hikes on the horizon.
Don't leave your financial future to chance; speak with a mortgage advisor today to explore tailored options that suit your goals. Stay informed as conditions evolve—your ideal home or investment could be just around the corner!
Federal Reserve Economic Trends
In a surprising turn, today's data shows Mortgage 30-Year Jumbo Average Rates plummeting by 6.71 points in just one day, sparking interest among potential homebuyers and investors alike. With inflation expectations remaining steady, the breakeven rates for both 5-year and 10-year periods show minimal fluctuations, indicating that inflation may not be pushing rates higher—at least for now.
For buyers and refinancers, even a small dip in mortgage rates can significantly affect monthly payments. For instance, a 1% decrease in interest on a $300,000 loan could save you over $170 monthly, translating to thousands in savings over the life of the loan.
First-time buyers should consider locking in these favorable rates while they last, while long-term investors might find this an opportune moment to reassess their portfolios. Given the current volatility, consulting with a mortgage advisor is wise to navigate these changes effectively.
Stay alert for upcoming economic shifts and Fed decisions that may influence future mortgage rates—your financial future could depend on it! Now is the time to act—consider locking in these lower rates before they change!
LendMesh
Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.
Conclusion
As you weigh your options this week, remember that even small changes—like the quarter-point dip seen in several 15-year fixed programs—can translate into meaningful savings on your monthly payment or total interest over the life of your loan. Staying informed about today’s lowest purchase rate at 4.5% from Eecu and watching how inflation trends might influence future adjustments puts you ahead of the curve. If you’re considering refinancing, now is a smart moment to explore your options before any upward shifts take hold. Think of it like catching the perfect wave: timing matters, and with careful planning, you can ride these rates to shore with confidence and peace of mind. Keep an eye on trusted credit union offers alongside national data—they often provide competitive gems that big banks might miss. Your home journey deserves thoughtful steps grounded in real numbers and real opportunities — seize them while they’re here!