Introduction
On October 13, 2025, the mortgage landscape shows some steady footing amid slight shifts in rates that could influence your next move. If you’re eyeing a home purchase or refinancing, today’s insight brings a clear view of where the best deals stand. Among credit unions, Navy Federal Credit Union offers the lowest 15-year fixed rate at 4.875%, while for longer terms, Affinity 857 holds firm with a 30-year fixed rate at 5.75%. Zillow’s jumbo loan rates have ticked up slightly, with the 30-year fixed jumbo rate rising to 6.382% this week. Inflation expectations are edging down, hinting at subtle easing ahead. Here’s what you need to know before locking in a rate that suits your goals and budget.
New Purchase - Conventional 15 yrs Fixed
Lender
2025-10-13
(Current Day)
(Current Day)
2025-10-06
(7 Days Ago)
(7 Days Ago)
2025-09-28
(15 Days Ago)
(15 Days Ago)
2025-09-13
(30 Days Ago)
(30 Days Ago)
2025-08-29
(45 Days Ago)
(45 Days Ago)
2025-08-14
(60 Days Ago)
(60 Days Ago)
2025-07-15
(90 Days Ago)
(90 Days Ago)
5.13%
5.13%
5.13%
5.25%
+12.5 bps
5.38%
+25 bps
5.50%
+37.5 bps
5.75%
+62.5 bps
5.00%
5.00%
5.13%
+12.5 bps
4.88%
-12.5 bps
5.13%
+12.5 bps
5.25%
+25 bps
5.38%
+37.5 bps
New Purchase - Conventional 30 yrs Fixed
Lender
2025-10-13
(Current Day)
(Current Day)
2025-10-06
(7 Days Ago)
(7 Days Ago)
2025-09-28
(15 Days Ago)
(15 Days Ago)
2025-09-13
(30 Days Ago)
(30 Days Ago)
2025-08-29
(45 Days Ago)
(45 Days Ago)
2025-08-14
(60 Days Ago)
(60 Days Ago)
2025-07-15
(90 Days Ago)
(90 Days Ago)
6.25%
6.25%
6.25%
6.38%
+12.5 bps
6.75%
+50 bps
6.75%
+50 bps
6.75%
+50 bps
6.38%
6.50%
+12.5 bps
6.50%
+12.5 bps
6.38%
6.63%
+25 bps
6.63%
+25 bps
5.88%
5.88%
6.00%
+12.5 bps
5.75%
-12.5 bps
6.13%
+25 bps
6.13%
+25 bps
6.25%
+37.5 bps
AFFINITY FEDERAL CREDIT UNION
As of October 13, 2025, 15-Year Fixed Rate Purchase loans hold the lowest rate at 5.125%, unchanged from last week but up 12.5 basis points compared to 30 days ago. The 30-Year Fixed Rate Purchase loans remain steady at 5.75%, with no change over the past seven days and an increase of 12.5 basis points since one month ago. These yield spreads suggest a modest rise in the cost of borrowing over the past month, impacting long-term affordability for buyers prioritizing extended terms. Members seeking predictable payments might consider fixed-rate options; meanwhile, those weighing refinancing should evaluate if current rates offer meaningful savings relative to closing costs. Monitoring these trends is essential for informed mortgage strategy decisions.
For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type
AFFINITY PLUS FEDERAL CREDIT UNION
On October 13, 2025, the 30-Year 97% Purchase Fixed-Rate Conventional mortgage remains steady at 6.25%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This stability in yield spreads indicates a consistent cost of borrowing for members seeking new home purchases with low down payment options. For first-time buyers, the current rate environment offers predictable monthly payments without recent upward pressure. While refinancing is not represented today, members should monitor such fixed-rate products to evaluate locking in rates amid moderate declines over the past month. Consider fixed-rate mortgages if you prioritize payment stability and review your mortgage strategy regularly to optimize long-term financing costs. For details, visit https://www.affinityplus.org/rates/mortgage-rates.
BAXTER CREDIT UNION
On October 13, 2025, BAXTER credit union reports stable mortgage rates for key purchase loan products. The 15 Year Fixed at 5.125% with 1.000 points remains unchanged over the past week and month, providing a consistent borrowing cost for buyers seeking shorter-term financing with predictable payments. Conversely, the 30 Year Fixed purchase rate increased by 12.5 basis points, rising from 5.875% to 6.0% with 0.500 points over the last seven and thirty days, reflecting tighter yield spreads that could impact long-term affordability.
First-time homebuyers may benefit from locking in the lower 15-year fixed rate to reduce interest expense over time, while those prioritizing lower monthly payments should carefully assess the recent uptick in the 30-year fixed rate. Given these shifts, members should evaluate their mortgage strategy based on term preference and cost sensitivity; consider refinancing if rate differentials align favorably with your financial goals.
For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.
EASTRISE FEDERAL CREDIT UNION
On October 13, 2025, EASTRISE reports stable mortgage rates for purchase loans in fixed-rate categories. The 15-Year Fixed Purchase rate remains at 5.75%, unchanged from a week ago but up 25 basis points compared to 30 days prior, indicating a modest increase in borrowing costs over the past month. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 6.00%, with no change week-over-week and a rise of 12.5 basis points versus 30 days ago.
These steady yields suggest limited short-term volatility, which benefits borrowers seeking predictability. First-time homebuyers may find the 15-year fixed loan, currently the lowest rate available, attractive for reducing total interest expense despite higher monthly payments. Conversely, those prioritizing lower monthly outlays might evaluate the longer-term 30-year option while monitoring potential rate shifts.
Given these trends, members should consider their long-term financing goals carefully; locking in a fixed rate could mitigate exposure to future yield increases. Evaluating refinancing opportunities is prudent if projected savings exceed associated costs.
For details, visit https://www.eastrise.com/rates/mortgage/.
FIRST COMMONWEALTH FEDERAL CREDIT UNION
As of October 13, 2025, 15-year fixed purchase mortgage rates remain steady at 5.125%, unchanged from one week ago but down 37.5 basis points compared to 30 days prior. This decline reduces the overall cost of borrowing for members seeking shorter-term stability and faster equity buildup. Meanwhile, the 30-year fixed purchase rate holds at 5.625%, with no change over the past 7 or 30 days, reflecting consistent yield spreads for long-term financing.
For first-time buyers prioritizing predictability, the lower 15-year fixed rate offers a favorable option to minimize interest expense. Conversely, those preferring lower monthly payments may find the stable 30-year fixed rate suitable despite its higher yield. Members should evaluate their mortgage strategy carefully; consider locking in fixed rates if you value payment certainty or assess refinancing only if projected savings exceed associated costs.
For details, visit https://www.firstcomcu.org/rates/homeloans.html.
NAVY FEDERAL CREDIT UNION
As of October 13, 2025, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for key loan products. The 15-year fixed Conventional Purchase rate remains at 4.875% with 0.25 points, unchanged over the past week and month, representing the lowest yield among available options. Similarly, the 30-year fixed Conventional Purchase rate holds steady at 5.625% with 0.25 points, showing no movement in the last seven or thirty days.
For borrowers prioritizing lower long-term cost and interest stability, the unchanged 15-year fixed rate may offer predictable payments without additional borrowing costs increasing. Meanwhile, those seeking longer terms face consistent cost of borrowing with the 30-year fixed product maintaining its current spread.
Members should evaluate their mortgage strategies based on these stable yields; consider fixed-rate options if payment certainty aligns with your financial goals or assess refinancing potential when savings surpass transaction expenses. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION
As of October 13, 2025, the 15-Year Fixed Purchase mortgage rate remains steady at 6.00%, unchanged from one week ago but up 25 basis points compared to 30 days prior. This stable short-term rate supports borrowers prioritizing faster equity building despite recent upward pressure. Meanwhile, the 30-Year Fixed Purchase mortgage rate has declined by 12.5 basis points over the past week to 6.375%, maintaining parity with its level one month ago. This slight improvement in longer-term rates can reduce monthly payments for buyers seeking extended terms.
For Newport News Shipbuilding employees, these trends suggest that those valuing payment stability might consider the fixed-rate options carefully; first-time buyers may find the lower 15-year rate attractive for accelerated payoff, while others could evaluate refinancing if potential savings surpass transaction costs. Continuous monitoring of yield spreads is advised to optimize borrowing costs in a fluctuating market environment.
NORTHWEST FEDERAL CREDIT UNION
As of October 13, 2025, the 15 Year Fixed Rate Purchase mortgage remains steady at a competitive 5.125% with 1.0 point, showing no change from one week ago but a decrease of 12.5 basis points compared to 30 days prior. This rate offers lower yield spreads, benefiting borrowers seeking shorter-term stability and reduced overall interest expense.
Conversely, the 30 Year Fixed Rate Purchase holds at 5.875% with 0.75 points, unchanged over the past week but significantly down by 112.5 basis points from 30 days ago. This substantial drop reduces long-term borrowing costs, potentially advantageous for first-time homebuyers prioritizing predictable payments over three decades.
Members should assess their mortgage horizon carefully; those valuing payment consistency may consider fixed-rate options, while others might evaluate refinancing if projected savings surpass associated costs given recent rate declines.
NUVISION FEDERAL CREDIT UNION
As of October 13, 2025, 15-Year Conforming Fixed Purchase rates hold steady at 5.0%, unchanged from last week but up 12.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Conforming Fixed Purchase rate remains at 5.875%, also flat over seven days yet increased by 12.5 basis points month-over-month. These stable short-term yields suggest a consistent cost of borrowing for members seeking fixed-rate mortgages. First-time buyers may find the 15-year fixed option advantageous for faster equity build-up despite slightly higher monthly payments, while longer-term borrowers might weigh the impact of recent yield spreads on affordability. Given these trends, members should evaluate their mortgage strategy carefully; considering fixed-rate products if stability is a priority or exploring refinancing only if projected savings exceed transaction costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.
ST. MARY'S BANK CREDIT UNION
As of October 13, 2025, ST. MARY'S BANK reports stable mortgage rates for key purchase loan programs. The 15-Year Fixed Purchase rate remains at a competitive 5.0% with 1.625 points, unchanged from both one week and one month ago, reflecting steady borrowing costs for buyers seeking shorter-term fixed payments. Meanwhile, the NH Only Fixed Purchase program holds at 6.0% with zero points, showing no change over the past seven days but a modest increase of 12.5 basis points (0.125%) over 30 days, indicating slightly higher costs for longer-term loans in this category.
For members prioritizing rate stability and predictability, the unchanged 15-Year Fixed offers consistent yield spreads; however, those considering longer terms should monitor gradual upward trends in the NH Only Fixed option. Buyers may benefit from evaluating their mortgage horizon and refinancing potential to optimize financing costs amid these incremental shifts.
Consider your mortgage strategy carefully, especially if your timeline aligns with these fixed-rate products. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.
Zillow National Average
As of October 13, 2025, mortgage rates are trending upward, particularly for 15-Year Fixed Rate Jumbo loans, which increased by 31 basis points to 6.425%. In contrast, the 30-Year Fixed Rate Jumbo saw a modest rise of 2 basis points, now at 6.382%. Over the past week, the 15-Year Fixed Rate Jumbo has climbed 27 basis points, indicating a notable shift in borrowing costs for this product. Borrowers considering these jumbo loan options should be aware of the rising trend, as it may impact their overall cost of borrowing. Careful evaluation of current rates and market conditions is advisable when planning a mortgage.
Federal Reserve Economic Trends
Recent data shows that inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-Year rate stable at 2.300 and the 5-Year rate at 2.350. Meanwhile, significant shifts in mortgage rates have occurred, particularly in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.62 points today, marking the largest one-day change. This decline is part of a broader trend, with a total decrease of 6.43 points over the past 30 days. As these mortgage rates adjust, borrowers face varying costs; notably, the lowest mortgage rate observed was for Mortgage 30Yr Usda Average Rates at 5.912. Monitoring these trends is crucial for informed borrowing decisions.
LendMesh
When you picture your dream home, do you imagine a place for family gatherings or a peaceful corner to call your own? Whatever your vision, LendMesh is here to help make it a reality. We believe mortgages should be about more than just numbers; they should support your long-term goals and happiness. That’s why our partners include both well-known banks and credit unions committed to serving their local communities. Our platform is full of honest advice, straightforward comparisons, and step-by-step tools. Whenever you’re ready, head over to our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans and take the next step toward the future you deserve.
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Conclusion
Looking ahead, even small changes in mortgage rates can ripple through your monthly payments and total interest over time. For example, a quarter-point difference on a $300,000 loan adds noticeable dollars each month and thousands over 30 years. With some credit unions maintaining steady or slightly lower fixed rates and inflation indicators softening, it’s wise to weigh locking in now against waiting for potential dips. Buyers and refinancers should focus on their personal financial plans, consider how long you intend to stay in the home and your comfort with payment levels. Staying informed about local credit union offerings alongside national trends helps you find balance between opportunity and caution. Thoughtful timing combined with clear priorities will guide you toward the most cost-effective borrowing decision possible.