Introduction
September has arrived, and with it, fresh mortgage insights that could shape your homebuying journey or refinancing plans. As we step into the fall season on September 1, 2025, many are keeping a close eye on rates that feel like shifting tides—sometimes steady, sometimes surprising. This week’s numbers show a small but meaningful dance in mortgage rates from trusted Credit Unions to Zillow’s national snapshots and Federal Reserve data. If you’re searching for the best deal, here’s what you need to know before locking in a rate. Notably, Eecu offers the lowest 30-year fixed rate at 4.50%, a standout among today’s Credit Union rates for purchase loans. Meanwhile, Zillow reports a slight uptick in jumbo loan rates with the 30-year fixed jumbo climbing by 4.5 basis points to 6.472%. Over at Baxter and Desert Financial Credit Unions, 15- and 30-year fixed rates dipped by an eighth of a percent compared to last week—a welcome sign if you’re weighing your options. Whether you’re eyeing a first home or considering an investment property, these subtle shifts matter more than ever. Let’s dive into what these numbers mean for you and how to seize the moment.
New Purchase - Conventional 15 yrs Fixed
Lender
2025-09-01
(Current Day)
(Current Day)
2025-08-25
(7 Days Ago)
(7 Days Ago)
2025-08-17
(15 Days Ago)
(15 Days Ago)
2025-08-02
(30 Days Ago)
(30 Days Ago)
2025-07-18
(45 Days Ago)
(45 Days Ago)
2025-07-03
(60 Days Ago)
(60 Days Ago)
2025-06-03
(90 Days Ago)
(90 Days Ago)
Baxter
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.63%
+37.5 bps
5.63%
+37.5 bps
5.50%
+25 bps
Desert Financial
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
5.63%
+25 bps
5.63%
+25 bps
5.63%
+25 bps
5.88%
+50 bps
Eastrise
5.88%
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
First Community 66818
5.25%
5.25%
5.25%
Goldenwest
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.49%
+36.5 bps
5.50%
+37.5 bps
Navy Federal Credit Union
5.13%
5.13%
5.13%
5.25%
+12.5 bps
5.38%
+25 bps
5.25%
+12.5 bps
Newport News Shipbuilding Employees
6.00%
6.00%
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
Nuvision
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.38%
+25 bps
5.38%
+25 bps
Tower
5.38%
5.38%
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2025-09-01
(Current Day)
(Current Day)
2025-08-25
(7 Days Ago)
(7 Days Ago)
2025-08-17
(15 Days Ago)
(15 Days Ago)
2025-08-02
(30 Days Ago)
(30 Days Ago)
2025-07-18
(45 Days Ago)
(45 Days Ago)
2025-07-03
(60 Days Ago)
(60 Days Ago)
2025-06-03
(90 Days Ago)
(90 Days Ago)
Affinity Plus
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
7.00%
+25 bps
Baxter
6.25%
6.38%
+12.5 bps
6.50%
+25 bps
6.50%
+25 bps
6.50%
+25 bps
6.38%
+12.5 bps
Desert Financial
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.50%
+25 bps
6.50%
+25 bps
6.38%
+12.5 bps
6.75%
+50 bps
Eastrise
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.50%
+37.5 bps
6.50%
+37.5 bps
Eecu
4.50%
4.50%
4.50%
4.50%
First Community 66818
5.75%
5.75%
5.75%
Goldenwest
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
6.25%
+37.5 bps
6.25%
+37.5 bps
Navy Federal Credit Union
6.00%
6.00%
6.00%
6.13%
+12.5 bps
6.25%
+25 bps
6.13%
+12.5 bps
Newport News Shipbuilding Employees
6.63%
6.63%
6.63%
6.88%
+25 bps
6.88%
+25 bps
Nuvision
6.13%
6.13%
6.13%
6.38%
+25 bps
6.38%
+25 bps
Tower
6.38%
6.38%
6.38%
6.50%
+12.5 bps
6.50%
+12.5 bps
Affinity Plus
On September 01, 2025, the 30-Year 97% Purchase Fixed-Rate, Conventional mortgage remains steady at 6.75%, showing no change in yield spread over the past week or month. This stability indicates consistent borrowing costs for buyers locking in long-term financing. For first-time homebuyers leveraging high loan-to-value ratios, maintaining a fixed rate near 6.75% supports predictable monthly payments without exposure to rising interest rates. While veterans and refinancers are not represented in today’s data, members considering purchase loans can focus on this stable rate environment to assess affordability accurately. Given unchanged rates, borrowers valuing payment certainty should consider fixed-rate options, while ongoing monitoring of market shifts is advisable to optimize mortgage strategy amid evolving economic conditions.
Baxter
As of September 1, 2025, 15 Year Fixed Purchase loans show a notable decline to 5.25% with a reduction of 12.5 basis points over the past week and 37.5 basis points in the last 30 days, lowering the overall cost of borrowing for borrowers seeking shorter-term commitments. Meanwhile, the 30 Year Fixed Purchase loans, currently at 6.25%, also decreased by 12.5 basis points week-over-week and 25 basis points month-over-month, reflecting a moderate easing in yield spreads for long-term financing. These shifts may benefit first-time buyers aiming for predictability in payments or those evaluating refinancing to optimize loan terms. Members should consider fixed-rate options if stability is a priority or reassess their mortgage strategies to capitalize on recent rate compressions for potential cost savings over time.
Desert Financial
On September 1, 2025, 15 Year Fixed Rate Purchase loans offer the lowest yield at 5.375%, down 12.5 basis points from last week and 25 basis points below rates from 30 days ago. Meanwhile, 30 Year Fixed Rate Purchase loans stand at 6.25%, reflecting a similar decline of 12.5 basis points over seven days and a 25 basis point reduction month-over-month. These tightening spreads lower the overall cost of borrowing for homebuyers, particularly benefiting those prioritizing shorter-term financing or long-term stability. Members considering new purchases should evaluate the impact of declining fixed rates on monthly payments and total interest costs. Given these movements, borrowers focused on predictable payments may find fixed-rate options increasingly advantageous, while those weighing refinancing should assess potential savings aligned with these recent rate decreases.
Eastrise
On September 1, 2025, 15-Year Fixed Purchase mortgage rates remain stable at 5.875%, showing no change over the past week but a notable decrease of 12.5 basis points compared to 30 days ago. This rate stability benefits borrowers prioritizing predictable payments, particularly those aiming to reduce interest costs over a shorter term. Meanwhile, the 30-Year Fixed Purchase rate has declined by 12.5 basis points in the last week to 6.125%, marking a total drop of 37.5 basis points from one month prior. This reduction enhances affordability for long-term borrowers and first-time buyers seeking lower monthly obligations. Members should assess these shifts in yield spreads when considering fixed-rate options or initiating new purchases to optimize borrowing costs amid evolving market conditions.
Eecu
As of September 1, 2025, the 30-Year Fixed Conforming Purchase mortgage rate remains steady at 4.5%, showing no change in yield spreads over the past week or month. This stability indicates a consistent cost of borrowing for prospective homebuyers relying on fixed-rate financing. For first-time buyers, maintaining this rate environment supports predictable monthly payments and long-term budgeting. Veterans and those refinancing should note that no recent shifts suggest limited immediate benefit from rate-driven refinancing strategies. Members are advised to consider fixed-rate options if they prioritize payment stability amid market fluctuations. Evaluating mortgage strategies with current stable rates can help align borrowing decisions with financial goals while minimizing unexpected interest cost increases.
First Community 66818
On September 01, 2025, 15 Year Fixed Purchase and 30 Year Fixed Purchase mortgage rates remain stable at 5.25% and 5.75%, respectively, showing no change over the past week. This steadiness reflects unchanged yield spreads and borrowing costs for members seeking fixed-rate options. For first-time buyers prioritizing lower monthly payments, the 15 Year Fixed at 5.25% offers the most cost-effective path to equity building with predictable payment schedules. Meanwhile, those considering longer-term affordability should note the 30 Year Fixed at 5.75%, providing extended amortization without recent rate volatility. Members evaluating refinancing should monitor these flat trends closely; consistent rates may support locking in fixed terms to mitigate future rate risk. Assess your mortgage strategy with current stable yields to align borrowing decisions with your financial goals.
Goldenwest
On September 1, 2025, 15 Year Fixed Loan purchase rates have decreased by 12.5 basis points, now at a competitive 5.125%, down from 5.25% a week ago. Over the past 30 days, this rate declined by 36.5 basis points, reflecting a notable easing in borrowing costs for members seeking shorter-term fixed options. Meanwhile, the 30 Year Fixed Loan purchase rate also fell by 12.5 basis points to 5.875%, marking a 37.5 basis point reduction compared to one month prior.
These yield spreads suggest more favorable conditions for buyers prioritizing long-term financing stability or accelerated payoff schedules. Members considering home purchases should evaluate these shifts carefully, as lower fixed rates can significantly reduce total interest expense over time. For those weighing mortgage strategies, especially first-time buyers or investors targeting predictable payments, fixed-rate products currently present cost-effective opportunities worth assessing in the context of individual financial goals and market outlooks.
Navy Federal Credit Union
As of September 01, 2025, Conventional 15-Year Fixed Purchase loans remain at a competitive 5.125% with minimal change over the past week (+0.0 bps) but a notable decline of -12.5 basis points compared to 30 days ago, reflecting a modest easing in the cost of borrowing for shorter-term fixed-rate financing. Meanwhile, the Conventional 30-Year Fixed Purchase rate holds steady at 6.00%, unchanged from last week and down by -12.5 basis points month-over-month, offering long-term stability at a slightly higher yield spread.
For members prioritizing predictability, the 15-year fixed option at 5.125% presents the lowest yield, potentially benefiting those aiming to reduce interest expenses over time. The stable rates signal an opportunity to assess mortgage strategies—especially for first-time buyers and those planning purchase financing—to align with personal financial goals. Evaluating fixed-rate options may help manage long-term interest costs amid current market conditions.
Newport News Shipbuilding Employees
On September 1, 2025, 15-Year Fixed Purchase mortgage rates hold steady at 6.0%, unchanged over the past week but down 12.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Purchase rate remains at 6.625%, stable week-over-week yet decreased by 25 basis points month-over-month. These yield spreads suggest a modest decline in borrowing costs, favoring borrowers seeking longer-term financing stability.
For first-time buyers prioritizing predictability, the 15-Year Fixed option offers the lowest current rate, potentially reducing interest expenses over the loan term. Veterans and members evaluating refinancing should note these stable fixed rates when assessing their mortgage strategy. Considering recent downward trends, members may benefit from reviewing fixed-rate opportunities to optimize long-term affordability amid evolving market conditions.
Nuvision
On September 1, 2025, 15-Year Conforming Fixed Purchase loans offer the lowest rate at 5.125% with 1.25 points, reflecting a 12.5 basis point decrease from last week and a 25 basis point decline over the past 30 days. This reduction in yield spread lowers the cost of borrowing for buyers prioritizing shorter-term stability. Conversely, the 30-Year Conforming Fixed Purchase rate remains steady at 6.125% with 0.875 points, unchanged week-over-week but down by 25 basis points month-over-month, maintaining higher long-term financing costs.
For members weighing purchase options, those seeking predictable payments might consider the declining rates on shorter-term fixed loans, while buyers focused on extended amortization should note stable longer-term yields. Evaluating these trends can guide strategic decisions on mortgage tenure and refinancing to optimize financial outcomes.
Tower
On September 1, 2025, 15-Year Fixed Purchase loans remain at a competitive 5.375%, unchanged over the past week but down 12.5 basis points from 30 days ago, reflecting a modest easing in borrowing costs for buyers favoring shorter terms. Similarly, the 30-Year Fixed Purchase with 100% Financing holds steady at 6.375%, also unchanged weekly and lower by 12.5 basis points month-over-month, signaling improved affordability for borrowers seeking full financing on longer-term commitments.
These stable rates benefit first-time buyers aiming for predictable payments and those requiring maximum financing without upfront equity. Given this environment, members should consider fixed-rate options to lock in current yields and evaluate refinancing strategies where applicable to optimize long-term costs amid gradual market shifts.
Zillow National Average
Mortgage rates are taking a sharp turn this week, particularly for those considering a 15-Year Fixed Rate Jumbo, which has surged by 0.27% in just one day. This sudden rise paints a picture of an evolving rate landscape, where borrowers must navigate the currents carefully. Currently, both jumbo loan programs are trending upward, with the 30-Year Fixed Rate Jumbo remaining relatively stable compared to last month.
For first-time buyers, even slight shifts can create significant long-term impacts—an increase of just 0.25% could mean thousands more in interest over the life of a mortgage. Refinancers should act swiftly; locking in today’s rates may offer immediate savings, while investors might find it wise to focus on potential rental yields amidst these fluctuations.
With the Fed hinting at future rate hikes, now may be the time to act. Don't miss out on today’s potential savings—speak with a mortgage advisor to explore your best options and stay informed as market conditions evolve!
Federal Reserve Economic Trends
As of September 1, 2025, today's economic landscape reveals significant shifts in mortgage rates, particularly the Mortgage 30-Year Jumbo Average Rates, which plummeted by 6.61 points in just one day. Such drastic changes can ripple through the housing market, especially as inflation expectations remain steady. The Breakeven Inflation Rate for 10 years holds firm at 2.41%, suggesting that inflation concerns are stable, keeping borrowing costs unpredictable.
For potential homebuyers or those considering refinancing, even minor shifts in interest rates can profoundly impact monthly payments. For example, a 0.25% increase on a $300,000 loan could add around $40 to your monthly payment—over the life of the loan, that's thousands lost.
With rates now lower for jumbo loans compared to conventional options, it’s an opportune moment for buyers seeking larger properties. Consider locking in these favorable rates before any Fed announcements could shift the tide again.
As we move forward, staying informed about both inflation trends and mortgage rates is essential. Consult with a mortgage advisor to ensure you’re making the most of current conditions and to tailor your strategy based on your financial goals—whether you're a first-time buyer or a long-term investor. Stay alert for economic changes that may influence future rates!
LendMesh
Imagine waking up in your dream home, knowing you made a smart financial decision to get there. At LendMesh, that’s the kind of experience we want every homebuyer to have. We’ve built partnerships with credit unions and respected banks across the country, so you can compare rates and programs all in one place—without the usual confusion or fine print. Whether you’re taking your first steps into homeownership or considering a refinance, our resources are designed to answer your questions and help you feel confident at every turn. Ready to start your journey? Explore today’s top mortgage rates, find helpful tips, and see how much you could save by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story deserves a strong beginning, and we’re here to help you write it.
Conclusion
Looking ahead, even small changes in mortgage rates can ripple through your financial future—impacting monthly payments and total interest paid over decades. With today’s lowest 30-year fixed rate at 4.50% from Eecu still holding steady, it pays to act thoughtfully but decisively. For buyers and refinancers alike, locking in a rate while these favorable conditions last can save thousands down the line. Keep an eye on Credit Union offerings like Baxter and Desert Financial where recent declines signal potential savings opportunities. Meanwhile, watch jumbo loan rates carefully as they show signs of inching upward nationally. Remember, every fraction of a percentage point counts when stretched over a 15- or 30-year term. If you’re feeling uncertain about timing, consider consulting with your lender about how these shifts impact your specific situation—whether that means adjusting your loan term or points paid upfront. Above all, stay informed and trust that with patience and smart choices, you can navigate this evolving market confidently. Your dream home or smart refinance could be just one well-timed decision away.