Introduction
On December 6, 2025, the mortgage landscape shows a subtle shift that could make a real difference for homebuyers and refinancers alike. While adjustable-rate mortgages (ARMs) from credit unions like Coast Central are dipping to 4.25% on a 30-year ARM, Zillow reports a modest decline in jumbo loan rates, with the 30-year fixed jumbo at 6.33%. Meanwhile, inflation expectations are nudging higher, suggesting careful timing might pay off. Here’s what you need to know before locking in a rate, whether you’re chasing the best adjustable option or considering long-term fixed security, these small changes can shape your monthly payments more than you might expect.
New Purchase - Adjustable
Lender
Term
2025-12-06
(Current Day)
(Current Day)
2025-11-29
(7 Days Ago)
(7 Days Ago)
2025-11-21
(15 Days Ago)
(15 Days Ago)
2025-11-06
(30 Days Ago)
(30 Days Ago)
2025-10-22
(45 Days Ago)
(45 Days Ago)
2025-10-07
(60 Days Ago)
(60 Days Ago)
2025-09-07
(90 Days Ago)
(90 Days Ago)
30 yrs
4.38%
4.50%
4.75%
4.38%
4.50%
4.75%
4.38%
4.50%
4.75%
4.38%
4.50%
4.75%
4.38%
4.50%
4.75%
4.38%
4.50%
4.75%
5.38% +100 bps
5.50% +100 bps
5.75% +100 bps
5 yrs
7 yrs
10 yrs
15 yrs
30 yrs
4.50%
4.75%
5.00%
5.25%
4.38% -12.5 bps
4.63% -12.5 bps
4.88% -12.5 bps
5.13% -12.5 bps
4.50%
4.75%
5.00%
5.25%
4.00%
4.25%
4.50%
4.25% -25 bps
4.50% -25 bps
4.75% -25 bps
5.00% -25 bps
N/A
N/A
5 yrs
7 yrs
10 yrs
15 yrs
5.13%
5.13%
5.25%
5.38%
5.13%
5.13%
5.25%
5.38%
5.13%
5.13%
5.25%
5.38%
5.25% +12.5 bps
5.25% +12.5 bps
5.38% +12.5 bps
5.50% +12.5 bps
5.00% -12.5 bps
5.13%
5.25%
5.25% -12.5 bps
N/A
N/A
7 yrs
10 yrs
30 yrs
5.75%
5.88%
6.00%
6.12%
5.75%
5.88%
6.00%
6.12%
5.75%
5.88%
6.00%
5.88%
6.00%
6.12%
5.75%
5.88%
6.00%
N/A
N/A
AFFINITY FEDERAL CREDIT UNION
As of December 06, 2025, the 7/6 ARM Adjustable Purchase mortgage remains steady at a rate of 4.75%, unchanged from both one week and one month ago. This stability in yield spreads suggests a consistent cost of borrowing for members considering adjustable-rate options. For first-time buyers or those seeking initial affordability with potential future rate adjustments, this product offers predictable entry pricing without immediate rate increases.
Veterans and other borrowers evaluating refinancing options should note the current flat trend; no recent declines mean refinancing incentives are limited unless rates shift downward. Members prioritizing long-term payment certainty may want to compare these adjustable rates with fixed-rate alternatives available elsewhere.
Given no movement in rates over the past 30 days, members should evaluate their mortgage strategy carefully, consider fixed-rate loans if stability is preferred or monitor market changes before opting for an adjustable product.
For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.
COAST CENTRAL CREDIT UNION
As of December 6, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase is priced at a competitive 4.25%, marking a decrease of 11.3 basis points compared to last week and the past 30 days. This downward movement in yield spreads reduces the overall cost of borrowing for prospective buyers opting for adjustable-rate products. First-time homebuyers may find this rate environment conducive to entry-level affordability; however, they should assess potential rate adjustments over time. Veterans and seasoned buyers considering adjustable options should also weigh future interest rate volatility against initial savings. Members exploring mortgage strategies are advised to evaluate their long-term cost exposure carefully and consider fixed-rate alternatives if stability is paramount. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
On December 6, 2025, purchase Adjustable-Rate Mortgages (ARMs) show a moderate increase in borrowing costs. The 5/1 ARM posts the lowest rate at 4.50%, rising by 12.5 basis points over the past week. Similarly, the 7/1 ARM and 10/1 ARM rates increased by 12.5 basis points to 4.75% and 5.00%, respectively. The longer-term 15/15 ARM also climbed by the same margin to 5.25%. These upward yield spreads suggest slightly higher initial payments for borrowers opting for adjustable terms, impacting affordability particularly for first-time homebuyers seeking lower starting rates. Veterans and refinancing members should carefully assess potential rate adjustments after fixed periods. Considering these trends, members valuing payment stability might evaluate fixed-rate alternatives or consider refinancing if projected savings exceed associated costs.
For details, visit https://esfcu.mortgagewebcenter.com/responsive/#/ApplyNow.
STATE DEPARTMENT FEDERAL CREDIT UNION
On December 6, 2025, adjustable-rate mortgages (ARMs) for purchase show stability with no changes over the past week. The Conforming 5/5 ARM and 7/6 ARM both hold steady at 5.125%, representing the lowest rates among today’s ARM options. Compared to 30 days ago, these rates have decreased by 12.5 basis points, lowering the cost of borrowing for prospective buyers seeking initial fixed periods of five or seven years. The longer-term ARMs, 15/15 at 5.25% and 10/6 at 5.375%, also remain unchanged this week but reflect similar declines over the last month.
For members considering purchase loans with adjustable terms, these modest rate reductions improve affordability during initial fixed periods but warrant evaluation against market volatility after adjustment intervals. Members should assess their risk tolerance and consider locking in fixed-rate products if they prioritize payment stability.
Evaluate your mortgage strategy in light of these data-driven trends; refinancing options may be advantageous if projected savings exceed associated costs.
For details, visit https://www.sdfcu.org/rates#mortgages-block.
VANTAGE CREDIT UNION
On December 6, 2025, Purchase Adjustable-Rate Mortgages (ARMs) at VANTAGE show stable yields over the past week. The 7/1 ARM and 10/1 ARM both hold steady at 6.12% and 5.875%, respectively, reflecting no change in basis points. The 15/15 ARM remains at 6.00%, down by 12 basis points compared to 30 days ago, signaling a modest easing in borrowing costs for longer-term adjustable options.
For members considering purchase loans with variable rates, these steady or slightly lower yields imply predictable initial payments while offering flexibility as market conditions evolve. First-time buyers and those seeking adjustable terms may find evaluating these ARMs beneficial for balancing short-term affordability against future rate risk.
Given the current environment, members should assess whether locking in fixed alternatives suits their risk profile or if an ARM strategy aligns better with anticipated financial plans. Consider refinancing only if projected savings outweigh associated costs over your loan horizon.
For details, visit https://www.vcu.com/rates#mortgage-rates.
Zillow National Average
As of December 6, 2025, mortgage rates for 15-Year Fixed Rate Jumbo loans remain unchanged at 6.187%, while 30-Year Fixed Rate Jumbo loans also hold steady at 6.326%. Over the past week, the 15-Year Fixed Rate Jumbo has decreased by 0.12 basis points, indicating a slight easing in borrowing costs. In contrast, the 30-Year Fixed Rate Jumbo saw a marginal increase of 0.07 basis points over the last month. Borrowers may find this stability beneficial; however, fluctuations in rates highlight the importance of timing when securing a mortgage. Overall, current rates suggest a cautious approach to mortgage decisions in an evolving market landscape.
Federal Reserve Economic Trends
Current inflation expectations, as indicated by the Breakeven Inflation Rates, remain stable at 2.260% for 10 years and 2.340% for 5 years, reflecting a cautious outlook on future price increases. This stability supports mortgage rates, which are pivotal in determining the cost of borrowing; the Mortgage 30Yr Average Rate is currently 6.190%. Over the past week, the largest change was in the Mortgage 30Yr Jumbo Average Rates, which fell by 0.08 points; over 30 days, it decreased by 0.15 points. Borrowers may find the lowest rate at 5.755% for the Mortgage 30Yr VA Average Rates, indicating potential savings opportunities in a competitive lending environment. Monitoring these indicators can guide informed financial decisions.
LendMesh
There’s something special about finding a place that truly feels like home. At LendMesh, we believe the mortgage process should be just as comforting as stepping into that dream home for the first time. Our advisors have seen it all—first-time buyers nervous about down payments, families needing more space, and even seasoned homeowners looking to refinance for a better deal. What makes us different? We bring together rates from trusted credit unions and respected banks, so you’re never left guessing if you’re missing out. Our site is built for real people, with resources that break down complex terms and calculators to show you what fits your budget. Ready to see what’s possible? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and take the guesswork out of your next move.
Conclusion
Looking ahead, even minor shifts in mortgage rates deserve attention because they can add up over time. The current environment with adjustable rates steady around 4.25% to 5.25% offers opportunities for buyers willing to embrace some variability in exchange for lower initial costs. At the same time, fixed jumbo loans easing slightly below 6.33% give stability seekers a chance to save on long-term interest. For homeowners thinking of refinancing, locking in now might protect against rising inflation pressures reflected in breakeven rates climbing gently this week. As always, weigh your risk tolerance and financial goals carefully; a few basis points can mean hundreds saved or spent each month and thousands over the life of your loan. Staying informed and flexible remains your best strategy in today’s market.