Introduction
September 4, 2025, brings a moment of calm for homebuyers and investors alike as mortgage rates hold steady across the board. If you’ve been watching the market nervously, here’s some good news: despite minor economic shifts, rates haven’t budged in the last week, giving you a bit of breathing room before making that big decision. Whether you’re eyeing a jumbo loan or considering a shorter-term fixed rate, today’s data from Credit Unions, Zillow, and the Federal Reserve paints a reassuring picture. The lowest rate currently available is a 4.875% 15-year fixed jumbo loan at Hudson Valley Credit Union, offering a sweet spot for those looking to pay off their home sooner without breaking the bank on interest. Meanwhile, Zillow reports a competitive 6.213% on their 15-year fixed jumbo loans, and FRED shows jumbo 30-year fixed averages inching slightly higher but still manageable. Here’s what you need to know before locking in a rate: stability right now means you can shop with confidence rather than rush, and even small differences—like a quarter point on your interest rate—can add up to big savings over time. Let’s dive into what these numbers really mean for your mortgage journey.
New Purchase - Jumbo 15 yrs Fixed
Lender
2025-09-04
(Current Day)
(Current Day)
2025-08-28
(7 Days Ago)
(7 Days Ago)
2025-08-20
(15 Days Ago)
(15 Days Ago)
2025-08-05
(30 Days Ago)
(30 Days Ago)
2025-07-21
(45 Days Ago)
(45 Days Ago)
2025-07-06
(60 Days Ago)
(60 Days Ago)
2025-06-06
(90 Days Ago)
(90 Days Ago)
Aberdeen Proving Ground
5.75%
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
Desert Financial
5.50%
5.50%
5.63%
+12.5 bps
5.50%
5.63%
+12.5 bps
5.63%
+12.5 bps
5.75%
+25 bps
Hudson Valley
4.88%
4.88%
5.00%
+12.5 bps
5.13%
+25 bps
5.38%
+50 bps
5.00%
+12.5 bps
Navy Federal Credit Union
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.63%
5.75%
+12.5 bps
Tower
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
Whatcom Educational
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
New Purchase - Jumbo 30 yrs Fixed
Lender
2025-09-04
(Current Day)
(Current Day)
2025-08-28
(7 Days Ago)
(7 Days Ago)
2025-08-20
(15 Days Ago)
(15 Days Ago)
2025-08-05
(30 Days Ago)
(30 Days Ago)
2025-07-21
(45 Days Ago)
(45 Days Ago)
2025-07-06
(60 Days Ago)
(60 Days Ago)
2025-06-06
(90 Days Ago)
(90 Days Ago)
Aberdeen Proving Ground
6.50%
6.50%
6.50%
6.50%
6.63%
+12.5 bps
Desert Financial
6.25%
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.50%
+25 bps
6.38%
+12.5 bps
6.63%
+37.5 bps
Hudson Valley
6.25%
6.25%
6.25%
6.50%
+25 bps
6.38%
+12.5 bps
6.50%
+25 bps
Navy Federal Credit Union
7.25%
7.25%
7.25%
7.38%
+12.5 bps
6.38%
-87.5 bps
6.63%
-62.5 bps
Tower
6.63%
6.63%
6.63%
6.75%
+12.5 bps
6.75%
+12.5 bps
Whatcom Educational
6.38%
6.38%
6.50%
+12.5 bps
6.63%
+25 bps
7.38%
+100 bps
Aberdeen Proving Ground
On September 4, 2025, Jumbo 15 Year Fixed purchase rates remain steady at 5.75%, reflecting no change over the past week but a notable decrease of 12.5 basis points compared to 30 days ago. This decline in yield spreads slightly lowers the cost of borrowing for high-value homebuyers seeking shorter-term commitments. Conversely, the Jumbo 30 Year Fixed purchase rate holds firm at 6.50%, unchanged both weekly and monthly, representing the lowest available rate for long-term jumbo loans today.
For members evaluating financing strategies, those prioritizing predictability may benefit from the stable fixed-rate options. Given these trends, borrowers should consider fixed-rate jumbo loans if valuing interest rate certainty and evaluate refinancing opportunities to capitalize on recent reductions in 15-year loan yields, particularly for high-balance mortgages.
Desert Financial
As of September 4, 2025, Jumbo 15 Year Fixed Rate Purchase loans hold steady at a competitive 5.5% with 1.0 point, unchanged over the past week and month. This stability supports borrowers seeking shorter-term commitments with predictable payments and moderate yield spreads. Meanwhile, the Jumbo 30 Year Fixed Rate Purchase loan remains at 6.25% with 1.25 points, reflecting a modest decline of 12.5 basis points over 30 days, potentially lowering the cost of borrowing for long-term financing.
For members prioritizing payment consistency, the unchanged 15-year fixed jumbo rate offers budgeting certainty. Conversely, those considering extended terms may benefit from recent downward pressure on the 30-year jumbo rate, suggesting an opportunity to evaluate refinancing or new purchase strategies amid evolving market conditions. Assess your mortgage approach carefully to align with your financial goals and risk tolerance.
Hudson Valley
On September 4, 2025, 15-Year Fixed Jumbo Purchase loans hold the lowest rate at 4.875%, unchanged from a week ago but down 25 basis points compared to 30 days prior. This decrease reduces the cost of borrowing for high-balance homebuyers seeking shorter terms. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.25%, with no change over the past week but a notable 25 basis point decline over the last month, enhancing affordability for buyers prioritizing longer repayment horizons.
Members considering jumbo loans benefit from these stable to lower yield spreads, supporting strategic decisions on loan term selection. Given recent trends, borrowers should evaluate fixed-rate jumbo options for predictable payments or consider timing purchases to capitalize on improved rates. For those balancing monthly cash flow against total interest expense, these data points offer critical input for mortgage planning.
Navy Federal Credit Union
On September 4, 2025, 15-Year Conventional Jumbo Purchase loans hold the lowest rate at 5.625%, unchanged from one week ago but down 12.5 basis points over 30 days, reflecting a modest easing in borrowing costs for jumbo loan borrowers. The 30-Year Homebuyers Choice Jumbo Purchase remains steady at 7.25%, also flat week-over-week but down 12.5 basis points month-over-month, indicating slightly improved affordability for long-term jumbo financing.
These stable yields suggest limited short-term volatility in jumbo mortgage pricing, benefiting members prioritizing predictable payments or those considering larger loan amounts. First-time buyers and veterans using jumbo products should monitor these rates, as even marginal shifts can influence overall loan expenses.
Members are advised to evaluate fixed-rate jumbo options for payment stability and assess refinancing opportunities to capitalize on recent yield declines and reduce cost of borrowing.
Tower
On September 4, 2025, 15 Year Jumbo Purchase loans hold the lowest rate at 5.625%, unchanged over the past week but down 12.5 basis points from 30 days ago, signaling a modest decline in borrowing costs for high-value buyers seeking shorter terms. The 30 Year Jumbo - 100% Financing Purchase rate remains steady at 6.625%, also stable week-over-week yet down by 12.5 basis points compared to one month prior, reflecting a slight easing in long-term yield spreads for fully financed jumbo purchases.
For members targeting jumbo financing, these stable weekly rates paired with recent decreases may improve affordability and loan qualification prospects. Those prioritizing payment predictability might consider fixed-rate options like the 15-year jumbo product, while buyers requiring maximum financing should evaluate the cost implications of the 30-year jumbo option.
Given current trends, members are advised to review their mortgage strategy considering recent rate compressions to optimize borrowing costs effectively.
Whatcom Educational
On September 4, 2025, the Jumbo 15-Year Fixed Purchase mortgage holds the lowest rate at 5.625%, unchanged over the past week but down 12.5 basis points compared to 30 days ago, indicating a modest reduction in borrowing costs for members seeking shorter-term jumbo loans. Conversely, the Jumbo 30-Year Fixed Purchase rate remains steady at 6.375%, with no weekly change but a notable decline of 25 basis points from one month prior, enhancing affordability for long-term jumbo borrowers.
These yield spreads suggest stable short-term financing costs with incremental easing over the past month. Members prioritizing payment predictability may benefit from locking in fixed-rate options now, while those managing larger loan amounts should evaluate how these slight rate adjustments impact overall loan expenses. Continuous monitoring of market trends is advisable to optimize mortgage strategies aligned with individual financial goals.
Zillow National Average
As the summer winds down, mortgage rates are experiencing a gradual cooling, with today’s 15-Year Fixed Rate Jumbo dipping slightly to 6.213%, reflecting a modest drop of 0.01% from yesterday. This week has also seen the largest change for this loan type, falling 0.12%, making it an opportune moment for first-time buyers eager to secure a favorable deal. For those considering refinancing or investing, even these small shifts can translate into significant long-term savings—remember, a mere 0.25% increase can cost tens of thousands over a 30-year loan.
Now is the time to weigh your options carefully. If you’re looking for stability, locking in today’s rates might be wise, especially with the Fed hinting at future rate hikes. For investors seeking flexibility, staying alert to market changes could uncover new opportunities. Don’t miss out on today’s potential savings—speak with a mortgage advisor to explore your best options! With the landscape evolving daily, staying informed is key to making empowered financial decisions.
Federal Reserve Economic Trends
As we navigate through the economic landscape today, one standout trend catches the eye: Mortgage 30-Year Average Rates have plummeted by an impressive 6.56 points in just one week, creating ripples of opportunity for homebuyers and investors alike. With inflation expectations remaining stable—especially the Breakeven Inflation Rate for 10-Year Treasuries at 2.400%—the Fed's strategies to maintain this balance are pivotal.
For prospective buyers, even a minor shift in rates can significantly impact monthly payments. For instance, a decrease of just 0.25% could save you over $40 monthly on a $300,000 mortgage. This means now might be the perfect moment to lock in lower rates, especially as recent trends indicate a potential rise if inflation shifts.
First-time buyers should seize this chance to explore financing options, while seasoned investors might consider refinancing for better terms. As always, consult with a mortgage advisor to tailor decisions based on your financial goals.
Stay vigilant! Economic indicators are shifting daily, and future Fed announcements could alter the landscape once again. Keep an eye on those rates and make your move wisely!
LendMesh
If you’ve ever wondered whether you’re getting the best mortgage deal, you’re not alone. So many homebuyers wish they’d had clearer information or a trusted partner by their side. At LendMesh, we fill that gap by working closely with credit unions and community-focused banks to bring you the most competitive offers, transparent advice, and tools you can actually use. Our mission is simple: help you make smarter decisions and save more money, whether you’re buying your first home or refinancing your forever one. Want to see how easy it can be to compare options and learn what’s right for you? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans your journey to a better mortgage starts right here.
Conclusion
As we look ahead, remember that even seemingly tiny changes in mortgage rates can ripple through your finances in surprising ways. A shift of just eight basis points on a 30-year jumbo loan might sound small—but over 30 years, it could mean thousands more paid in interest or hundreds less added to each monthly bill. With today’s steady rates and modest inflation expectations, this could be an ideal window to lock in if you’re ready. For buyers planning their next move, it’s wise to consider not only the current rate but also how long you expect to stay put—because shorter terms like the 4.875% 15-year fixed from Hudson Valley can save money faster if you can handle higher payments upfront. Homeowners thinking about refinancing should weigh these steady figures against their existing loan terms; sometimes holding steady beats chasing every dip. In short: take your time but stay informed. Keep an eye on your local credit unions’ offers—they often deliver lower rates than national averages—and lean into your financial goals with confidence knowing today’s market favors thoughtful planning. Your future self will thank you for locking in when conditions are this favorable.