Introduction
As of August 15, 2025, the mortgage landscape is showing signs of calm with rates holding steady across most credit unions and national averages. If you’ve been watching the market closely, today’s data brings some good news: the lowest refinance rate we spotted is a standout 4.00% on a 15-year fixed loan at Eecu, a rare gem in today’s environment where every fraction of a percent counts. Meanwhile, Zillow reports that jumbo 30-year fixed rates have eased to 6.25%, down by more than three-tenths of a point just this week, signaling some relief for high-balance borrowers. On the inflation front, the Federal Reserve’s breakeven inflation rates have dipped slightly, nudging mortgage averages downward—a gentle reminder that economic shifts ripple through your wallet in subtle but meaningful ways. Here’s what you need to know before locking in a rate: steady credit union offers paired with falling jumbo rates and easing inflation expectations might just be the green light you’ve been waiting for.
Refinance - Conventional 15 yrs Fixed
Lender
2025-08-15
(Current Day)
(Current Day)
2025-08-08
(7 Days Ago)
(7 Days Ago)
2025-07-31
(15 Days Ago)
(15 Days Ago)
2025-07-16
(30 Days Ago)
(30 Days Ago)
2025-07-01
(45 Days Ago)
(45 Days Ago)
2025-06-16
(60 Days Ago)
(60 Days Ago)
2025-05-17
(90 Days Ago)
(90 Days Ago)
A
5.50%
5.50%
5.75%
+25 bps
Affinity Plus
5.75%
5.75%
5.75%
6.00%
+25 bps
6.00%
+25 bps
Digital
5.25%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.13%
-12.5 bps
Eecu
4.00%
4.00%
4.00%
6.09%
+209 bps
Knoxville Tva Employees
5.38%
5.38%
5.38%
5.38%
5.38%
Langley
5.63%
5.63%
5.63%
5.63%
5.63%
Randolph Brooks
5.75%
5.75%
5.75%
5.75%
5.75%
Trustone Financial
5.63%
5.63%
5.75%
+12.5 bps
Refinance - Conventional 30 yrs Fixed
Lender
2025-08-15
(Current Day)
(Current Day)
2025-08-08
(7 Days Ago)
(7 Days Ago)
2025-07-31
(15 Days Ago)
(15 Days Ago)
2025-07-16
(30 Days Ago)
(30 Days Ago)
2025-07-01
(45 Days Ago)
(45 Days Ago)
2025-06-16
(60 Days Ago)
(60 Days Ago)
2025-05-17
(90 Days Ago)
(90 Days Ago)
A
6.38%
6.38%
6.50%
+12.5 bps
Affinity Plus
6.38%
6.38%
6.50%
+12.5 bps
6.63%
+25 bps
6.63%
+25 bps
Digital
6.00%
6.00%
6.13%
+12.5 bps
6.25%
+25 bps
6.00%
Knoxville Tva Employees
6.38%
6.38%
6.38%
6.38%
6.38%
Langley
4.99%
4.99%
4.99%
6.50%
+151 bps
4.99%
Randolph Brooks
6.63%
6.63%
6.75%
+12.5 bps
6.75%
+12.5 bps
6.75%
+12.5 bps
Trustone Financial
6.38%
6.38%
6.63%
+25 bps
A
On August 15, 2025, 15-Year Fixed Refinance and 30-Year Fixed Refinance rates remain steady at 5.5% and 6.375%, respectively, with no change over the past week. The 15-year fixed rate, representing the lowest cost of borrowing among available products, offers a reduced yield spread compared to two weeks ago, signaling stable financing conditions for borrowers seeking shorter-term refinancing. For members prioritizing predictable payments, these unchanged rates maintain affordability in long-term planning. Veterans and first-time buyers should note that while government-backed options are absent today, conventional refinance rates hold firm. Members evaluating mortgage strategies may consider locking in these consistent fixed rates to mitigate interest rate volatility and optimize refinancing benefits amid a stable rate environment.
Affinity Plus
On August 15, 2025, 15-Year Fixed-Rate Conventional Refinance loans remain at a competitive 5.75%, unchanged over the past week, maintaining a 25 basis points decrease from 60 days ago. This steady yield supports borrowers prioritizing reduced interest costs and quicker principal payoff. Meanwhile, 30-Year Fixed-Rate Conventional Refinance loans hold at 6.375%, stable week-over-week but reflecting a slight tightening of 25 basis points compared to two months prior. For members refinancing, these fixed rates suggest an opportunity to lock in predictable payments amid current market stability. First-time buyers and long-term planners should consider fixed-rate options if valuing payment certainty, while existing homeowners might evaluate refinancing strategies to optimize long-term borrowing costs based on their financial goals and market movements.
Digital
As of August 15, 2025, the 15-Year Fixed Refinance rate remains stable at a competitive 5.25% with a slight improvement of -12.5 basis points over the past 30 days, reflecting a modest reduction in borrowing costs for homeowners seeking shorter-term refinancing solutions. Meanwhile, the 30-Year Fixed Rate Refinance holds steady at 6.00%, unchanged from last week but down by -25 basis points compared to one month ago, signaling improved yield spreads for long-term borrowers.
Members considering refinancing can benefit from these relatively lower rates, particularly those aiming to shorten their loan term or reduce monthly payments. Evaluating fixed-rate options may offer cost predictability amid fluctuating market conditions. It is advisable to assess your mortgage strategy in light of these movements to optimize financial outcomes.
Eecu
As of August 15, 2025, the 15 Year Fixed Conforming Refinance mortgage rate holds steady at 4.0%, unchanged over the past week but down a significant 209 basis points compared to 30 days ago. This sharp decline in yield spreads reduces the overall cost of borrowing for members considering refinancing, enhancing opportunities for substantial interest savings. For borrowers prioritizing payment stability and accelerated loan payoff, this fixed-rate product offers a consistent rate environment amid market fluctuations. Members evaluating mortgage strategies should weigh current low rates against their financial goals—consider fixed-rate options if you value predictability or evaluate refinancing to lock in these historically favorable terms and reduce long-term costs.
Knoxville Tva Employees
As of August 15, 2025, mortgage rates for refinance options remain stable. The 15-Year Fixed-Rate Mortgage holds steady at 5.375% with 4.0 points, unchanged over the past week and month, reflecting a consistent yield spread and predictable cost of borrowing for those prioritizing accelerated payoff schedules. Similarly, the 30-Year Fixed-Rate Mortgage is unchanged at 6.375% with 2.0 points, maintaining its position as the higher-rate option but offering longer-term payment stability.
For members considering refinancing, these static rates suggest an opportunity to lock in current yields without immediate upward pressure on borrowing costs. First-time buyers or those seeking shorter loan terms should weigh the benefits of the lower rate on the 15-year fixed product, while longer-term planners may evaluate the trade-offs between term length and total interest paid.
In this environment, members are advised to consider fixed-rate options if valuing payment predictability and to evaluate refinancing strategies to optimize long-term financial outcomes amid stable market conditions.
Langley
On August 15, 2025, Langley Credit Union reports stable mortgage rates for refinance products. The 30-Year Fixed Refinance rate remains at 4.99%, unchanged over the past week but down significantly by 151 basis points compared to 30 days ago, indicating a notable easing in borrowing costs for long-term refinancing. Meanwhile, the 15-Year Fixed Refinance rate holds steady at 5.625% with no change over both the last week and month, maintaining a consistent yield spread.
For members focused on reducing monthly payments or total interest through refinancing, the drop in the 30-year fixed rate may present cost-saving opportunities. Those prioritizing payment stability should consider the unchanged 15-year fixed rate. Evaluating these rates against individual financial goals can inform prudent mortgage strategies amid current market conditions.
Randolph Brooks
On August 15, 2025, 15-year fixed refinance rates remain steady at 5.75%, showing no change over the past week or month. This stability supports borrowers seeking predictable payments and potential interest savings through shorter terms. Conversely, the 30-year fixed refinance rate holds at 6.625%, unchanged from last week but decreased by 12.5 basis points compared to 30 days ago, slightly lowering long-term borrowing costs for homeowners considering extended repayment periods.
For members evaluating refinancing strategies, the consistent 15-year fixed rate offers cost certainty, while the modest decline in the 30-year fixed rate may present opportunities to reduce monthly obligations. Assessing your financial goals with these transparent yield spreads can inform whether a fixed-rate option aligns with your risk tolerance and long-term planning.
Trustone Financial
On August 15, 2025, 15-Year Fixed Rate Refinance loans remain at a competitive 5.625%, unchanged from both 7 days ago and earlier periods. This stability in rate equates to no movement in yield spreads or cost of borrowing for borrowers seeking shorter-term refinancing solutions. Meanwhile, the 30-Year Fixed Rate Refinance holds steady at 6.375%, also with no basis point change over the past week, maintaining higher long-term financing costs relative to the 15-year option.
For members prioritizing predictability and interest savings, the 15-Year Fixed Rate Refi represents the lowest rate available today, potentially reducing overall interest paid despite higher monthly payments. Those considering long-term cash flow flexibility should evaluate the 30-Year Fixed Rate Refi, understanding its stable cost structure amid current market conditions.
Given these unchanged rates, members are advised to carefully assess their refinancing strategies based on term preference and financial goals, considering fixed-rate options if stability is a priority and analyzing potential savings over the loan duration.
Zillow National Average
As summer winds down, mortgage rates are experiencing a gradual cooling, bringing fresh hope for prospective buyers. Today, the 30-Year Fixed Rate Jumbo saw the largest one-day drop of 0.23%, now sitting at 6.250%. This shift marks a notable 0.35% decline over the past week, potentially easing the financial burden for first-time homebuyers who might be feeling the pinch of rising prices.
For those considering refinancing or investing, even these minor fluctuations can translate into significant savings—think of how a mere 0.25% increase can add tens of thousands to your total interest over 30 years! If you’re eyeing a new home, now is an opportune moment to lock in lower rates before any unexpected shifts occur.
With Zillow's real-time data backing these trends, it's wise to consult with a mortgage advisor to explore your best options. As we approach potential Fed rate hikes, staying informed will be key—don’t miss out on today’s potential savings!
Federal Reserve Economic Trends
In today’s economic landscape, the latest data reveals notable shifts in mortgage rates and inflation expectations, underscoring the delicate balance between these two crucial factors. Notably, Mortgage 30Yr VA Average Rates have seen a significant decline of 0.17 points over the past week, reflecting a broader trend that can ease homebuying costs.
As inflation expectations remain relatively stable, with the 10-Year Breakeven Inflation Rate steady at 2.370%, mortgage rates may continue to fluctuate. For example, a mere 0.25% increase in mortgage rates could add approximately $45 to monthly payments on a $300,000 loan, making it vital for buyers to monitor rate trends closely.
First-time buyers and long-term investors should consider locking in current rates while they are still favorable. With the Fed's decisions looming on the horizon, staying informed is key. Consult with a mortgage advisor to navigate these changes effectively and seize any opportunities that arise in this dynamic market.
LendMesh
Over the years, we’ve heard from countless homebuyers who wish they’d started with better information. That’s what inspired the team at LendMesh to build a smarter, friendlier mortgage platform. Instead of searching through dozens of bank websites, you can now compare offers from respected credit unions and banks in one trusted place. We’re here to cut through the noise, offering real guidance, educational tools, and answers to the questions you might not even know to ask yet. If you’re curious about the next steps or just want to see today’s rates, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your peace of mind comes first.
Conclusion
Looking ahead, even small changes in mortgage rates can make a big difference—imagine saving hundreds on your monthly payment or thousands over the life of your loan just by catching these dips early. Whether you’re refinancing to trim your term or buying your next home, leaning into options like Eecu’s 4.00% 15-year fixed refinance could accelerate your path to financial freedom. Keep an eye on jumbo loans too; Zillow’s recent slide below 6.25% hints at opportunities for those navigating larger purchases. Remember, while rates may seem like just numbers on a page, they’re powerful levers that shape your future stability and peace of mind. So take a moment now—talk to your credit union, shop around, and don’t hesitate to act when the numbers feel right. Your dream home and smarter finances could be closer than you think with today’s thoughtful rate trends lighting the way.