October 31, 2025 | Lowest Conventional Refinance Fixed Rate at 4.75%

On October 31, 2025, 15-year fixed-rate conventional refinance loans remain at 5.5%, holding steady with no change in yield over the past 7 and 30 days. Similarly, the 30-year fixed-rate conventional refinance rate is unchanged at 6.0% for the same periods. These stable rates indicate consistent borrowing costs for homeowners seeking to refinance, with the 15-year term offering the lowest current rate and potentially lower interest expense over time. For members prioritizing predictable payments, fixed-rate options continue to provide financial certainty amid a stable rate environment. Given the absence of recent fluctuations, borrowers should carefully evaluate refinancing benefits against closing costs; consider refinancing if long-term savings justify upfront expenses. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of October 31, 2025, mortgage refinancing rates for fixed-rate products have experienced modest increases over the past week. The 15-year fixed refinance rate rose by 12.5 basis points to 5.375%, maintaining parity with its level 30 days ago. Meanwhile, the 30-year fixed refinance rate increased by 25 basis points to 6.0%, also unchanged from one month prior. These shifts reflect a slight uptick in borrowing costs, impacting homeowners considering shorter-term versus longer-term refinancing options.

For members weighing refinancing, the 15-year fixed at 5.375% remains the lowest rate option, potentially benefiting those focused on accelerated principal repayment and interest savings despite the recent increase. Conversely, borrowers prioritizing lower monthly payments might evaluate the stability of the 30-year fixed at 6.0%, balancing cost against term length.

Given current yield spreads and recent trends, members should assess refinancing if anticipated savings surpass closing costs and consider fixed-rate loans to secure predictable payments amid rate fluctuations. For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

On October 31, 2025, the 15 Year Fixed Refinance rate remains at a competitive 4.875%, marking a 37.5 basis point decrease from 30 days ago and no change over the past week. This reduced yield spread improves borrowing costs for members seeking to shorten their loan term and lower total interest payments. Meanwhile, the 30 Year Fixed Refinance rate holds steady at 5.75%, unchanged over both the past week and month, reflecting stable long-term financing costs for those prioritizing lower monthly payments.

Members considering refinancing should evaluate whether locking in a shorter-term fixed rate could yield meaningful savings given current market conditions. For those valuing payment stability, maintaining or selecting a 30 Year Fixed option remains viable without recent rate volatility. Assess your mortgage strategy against these rates to determine potential cost efficiencies.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of October 31, 2025, Hawaii State Credit Union reports stable mortgage rates for refinance loans in the fixed category. The 15-year fixed refinance rate remains at 4.75% with 2.125 points, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. Similarly, the 30-year fixed refinance rate holds steady at 5.625% with 2.25 points, showing no change over the past week and a decrease of 25 basis points from a month ago.

These modest declines in long-term fixed rates may reduce the overall cost of borrowing for homeowners looking to refinance, particularly benefiting those prioritizing predictable monthly payments. Borrowers should evaluate whether locking in current rates aligns with their financial goals, especially if aiming to lower interest expenses over time.

Consider refinancing options where potential savings outweigh associated fees and prioritize fixed-rate products if stability in yield spreads is a key factor.

For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage-refinance/.

As of October 31, 2025, the 15-Year Fixed-Rate Mortgage refinance rate remains steady at 5.25% with 4.0 points, unchanged over the past week and month, reflecting stable yield spreads in short-term fixed loans. Meanwhile, the 30-Year Fixed-Rate Mortgage refinance rate holds at 5.875% with 2.0 points, also showing no movement over seven and thirty days, indicating consistent borrowing costs for longer-term commitments.

For members considering refinancing, these rates suggest a stable cost environment; those prioritizing lower monthly payments might evaluate the 30-year fixed for predictability despite higher overall interest. Conversely, borrowers seeking to reduce total interest paid may prefer the 15-year fixed, especially given its position as the lowest available rate today.

Given current market stability, members should assess refinancing only if projected savings surpass closing costs and consider fixed-rate options to manage long-term financial planning effectively. For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of October 31, 2025, Langley Credit Union’s refinance mortgage rates remain steady with no changes over the past week or month. The 30-year fixed refinance rate holds at 4.99%, representing the lowest rate available today and signaling stable borrowing costs for long-term refinancing. Meanwhile, the 15-year fixed refinance rate stays at 5.78%, unchanged over recent periods but elevated relative to earlier months.

This stability in rates suggests predictable yield spreads, benefiting members prioritizing consistency in monthly payments and total interest outlay. Borrowers seeking to lower long-term expenses might evaluate the trade-offs between the shorter term’s higher cost and faster principal reduction. Given unchanged points and rates, refinancing decisions should weigh current home equity against closing costs carefully.

Members are encouraged to consider fixed-rate options if they value payment certainty or evaluate refinancing when projected savings exceed associated fees. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of October 31, 2025, Conventional Fixed 15 Year Refinance rates have increased by 12.5 basis points, rising to a current rate of 5.0% with 0.25 points. This marks a moderate uptick in borrowing costs compared to one week ago and thirty days prior, reflecting tighter yield spreads in the short-term fixed segment. Meanwhile, the Homebuyers Choice Loan 30 Year Refinance remains steady at 6.5% with 0.5 points, unchanged over the past month but up by 12.5 basis points from last week.

For members seeking stability, the 15-year fixed option at 5.0% represents the lowest available rate today and may benefit those aiming to reduce interest expenses over time. Conversely, borrowers considering longer terms should note the recent upward shift in 30-year fixed rates when evaluating refinancing strategies.

Consider assessing your mortgage portfolio to determine if refinancing could lower overall costs given current rate dynamics.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

As of October 31, 2025, the 15-year Fixed Conforming High-Cost Area Refinance rate remains steady at 5.75%, unchanged over the past week but up by 62.5 basis points compared to 30 days ago. Meanwhile, the 30-year Fixed Conforming High-Cost Area Refinance rate has declined slightly by 12.5 basis points in the last seven days to 6.125%, holding steady versus a month ago. These movements affect borrowers differently: those prioritizing shorter terms face higher borrowing costs than a month prior, while longer-term refinancers see marginally improved yields on new loans. Members should consider fixed-rate options if they value payment stability or evaluate refinancing opportunities to reduce long-term interest expenses when yield spreads become favorable. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of October 31, 2025, 15-year fixed refinance rates remain steady at 5.125% with 0.875 points, unchanged over the past week. This rate represents the lowest yield among today’s refinance options, offering a potentially lower cost of borrowing for members seeking shorter-term debt reduction. Meanwhile, the 30-year fixed refinance rate holds firm at 6.000% with the same points, reflecting no change from last week but a slight improvement from 15 days ago when it was 6.125%. Members weighing long-term financing should consider that stable rates can provide predictability in monthly payments amid market fluctuations.

For those focused on refinancing, maintaining current fixed rates suggests evaluating your mortgage strategy to optimize interest savings versus refinancing costs. Consider fixed-rate options if you prioritize payment stability and assess whether refinancing yields net financial benefits given your loan term and credit profile. For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

As of October 31, 2025, U.S. mortgage rates show a mixed trend among Jumbo loan products. The 15-Year Fixed Rate Jumbo is currently at 6.220%, reflecting a slight increase of 0.01 basis points from yesterday and a notable rise of 0.17 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo stands at 6.341%, down by 0.01 basis points from one day ago but up by 0.06 basis points over the last week. For borrowers, these movements indicate potential fluctuations in the cost of borrowing; monitoring these trends remains essential for informed decision-making regarding mortgage options.

Current inflation expectations, reflected in the Breakeven Inflation Rates, remain stable at 2.290% for 10 years and 2.380% for 5 years, suggesting limited pressure on future borrowing costs. Recent mortgage rates show mixed trends; the lowest mortgage rate is at 5.410% for the 15-year average, while the 30-year Jumbo Average Rate dropped by 0.11 points over the past week. The most significant decline in the last month was seen in the 30-Year USDA Average Rate, which fell by 0.19 points, potentially influencing borrower decisions towards more affordable financing options. Monitoring these indicators can provide insights into future market conditions and borrowing strategies.

The journey to homeownership is filled with choices, questions, and—if you’re working with the right partner—a real sense of possibility. At LendMesh, we’re honored to be that partner for so many families, guiding you through every mortgage decision with transparency and care. Whether you’ve followed our advice all month or just discovered us today, remember that your goals are at the heart of everything we do. With our nationwide network of banks and credit unions, up-to-date mortgage rates, and expert-written resources, you’ll always have the tools to make informed, confident choices. If you’re ready to take your next step or want a fresh perspective on your options, visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your homeownership story is unique—LendMesh is here to help you write every chapter with confidence.