December 15, 2025 | Lowest Fixed Conventional Rate Steady at 4.50%

As of December 15, 2025, AFFINITY members can access stable mortgage rates with no changes over the past week or month. The 15-Year Fixed Rate Purchase remains at a competitive 5.125%, representing the lowest rate among today's offerings; this rate continues to provide borrowers with lower yield spreads and potentially reduced total interest costs over the loan term. The 30-Year Fixed Rate Purchase holds steady at 5.75%, maintaining consistent borrowing costs for long-term homebuyers seeking predictable payments.

For members prioritizing payment stability and cost certainty, locking in these fixed rates may be advantageous given the absence of recent upward pressure. First-time buyers benefit from these steady rates by planning budgets without rate volatility risk, while refinancing considerations should focus on whether the current fixed rates offer meaningful cost reductions relative to existing loans.

Evaluate your mortgage strategy based on these unchanged rate levels and consider fixed-rate options if you value long-term predictability. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of December 15, 2025, ALOHA PACIFIC reports stable mortgage rates across key fixed-rate purchase programs. The 15 Year Conforming Fixed Purchase loan remains at a competitive 4.5%, representing the lowest rate available among today’s offerings with no change over the past 7 or 30 days. Similarly, the 30 Year Conforming Fixed Purchase loan holds steady at 5.0%, also unchanged week-over-week and month-over-month.

These stable yields indicate minimal fluctuation in borrowing costs for members seeking predictable payment structures. First-time buyers may find value in locking the 15-year fixed rate to reduce overall interest expenses, while those prioritizing lower monthly payments might consider the 30-year fixed option. Given the absence of recent rate volatility, members should evaluate their long-term mortgage strategies carefully; fixed-rate loans continue to offer cost certainty amid current market conditions.

Consider reviewing your mortgage plan to align with your financial goals, especially if refinancing could yield savings exceeding associated fees. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of December 15, 2025, the 30-year Fixed-Rate Mortgage for purchase loans remains steady at 4.75%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This decline in yield spreads suggests a modest reduction in the cost of borrowing for homebuyers over the past month, potentially improving affordability for first-time purchasers. For members prioritizing long-term payment stability, maintaining a fixed-rate mortgage at this level offers predictable financing costs amid recent market fluctuations. Given the current rate environment, borrowers should evaluate their mortgage strategy carefully; those with adjustable-rate loans might consider switching to fixed rates for certainty, while prospective buyers could benefit from locking in these comparatively lower rates. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 15, 2025, FAMILY TRUST reports stable mortgage rates across key fixed-rate products. The 15-Year Fixed Rate Purchase remains at 4.708%, holding steady over the past 7 and 30 days, reflecting no change in yield spreads or borrowing costs. Meanwhile, the 30-Year Fixed Rate Purchase is unchanged at 5.5%, maintaining its level from one week and one month ago. These consistent rates offer predictability for members prioritizing long-term budgeting; particularly, first-time buyers may benefit from locking in fixed payments amid steady rate conditions. Veterans and those refinancing should monitor market trends closely but note that current rates suggest minimal immediate savings from refinancing. Members are advised to consider fixed-rate options if they value payment stability or evaluate refinancing only if projected cost reductions surpass associated fees. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of December 15, 2025, 15 Year Fixed Purchase loans offer the lowest rate at 4.75%, down by 12.5 basis points from both one week and one month ago, reducing the cost of borrowing for members seeking shorter-term fixed-rate mortgages. Meanwhile, the 30 Year Fixed Purchase rate stands at 5.625%, also decreased by 12.5 basis points over the same periods, which may benefit buyers prioritizing longer-term stability despite slightly higher yield spreads.

These modest declines in rates improve affordability for first-time buyers locking in fixed payments and could encourage existing homeowners to evaluate refinancing options to lower monthly obligations or shorten loan terms. Given these trends, members should assess their mortgage strategies carefully; those valuing payment certainty might consider fixed-rate products while monitoring potential future rate shifts.

For details, visit https://fccu.org/rates/home-loan-rates.

As of December 15, 2025, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates with no change over the past week or month for key fixed-rate products. The 15-Year Land Loan remains at 6.25%, unchanged from both 7 and 30 days ago, reflecting steady yield spreads in shorter-term fixed financing. Similarly, the 30-Year Fixed Purchase rate holds at a competitive 5.875%, also unchanged over these intervals, representing the lowest available rate in today’s offerings.

For members prioritizing predictability, these consistent fixed rates support long-term budgeting without concern for near-term rate volatility. First-time buyers may find the 30-year option advantageous due to its lower cost of borrowing and monthly payment stability. Members with land acquisition needs can rely on the stable 15-year fixed terms for manageable repayment schedules.

Given current conditions, members should consider fixed-rate options if they value stability and evaluate their mortgage strategy based on long-term cost implications rather than short-term market fluctuations. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of December 15, 2025, High Balance Fixed-Rate Purchase Mortgages show modest yield adjustments. The 15-year High Balance Fixed Purchase loan remains at 5.50%, unchanged from last week but down 12.5 basis points versus 30 days ago, indicating a slight easing in the cost of borrowing for shorter-term fixed financing. Similarly, the 30-year High Balance Fixed Purchase rate holds steady at 5.75%, also unchanged week-over-week and down 12.5 basis points compared to one month prior.

These stable yet slightly lower rates can benefit buyers prioritizing predictable payments, especially those targeting higher loan amounts under the high balance category. Members should assess fixed-rate options if they value payment stability amid potential market fluctuations. Given the downward trend over the past month, evaluating refinancing possibilities might reduce long-term interest expenses for existing borrowers.

For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

As of December 15, 2025, the 30-year Fixed Rate Mortgage for home purchases remains steady at 5.625% with 1.0 point, unchanged from one week ago but down 50 basis points compared to 30 days prior. This decline in yield spreads signals a reduced cost of borrowing relative to last month, potentially benefiting buyers locking in long-term financing. For members prioritizing payment stability, this fixed rate offers predictability amid recent market fluctuations. First-time buyers and those avoiding refinancing complexities may find this option financially prudent. Given the stable weekly rate and notable monthly decrease, members should evaluate their mortgage strategy, considering fixed-rate options if they value consistent payments or reviewing refinancing opportunities where savings exceed associated costs. For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

As of December 15, 2025, ST. MARY'S BANK reports that the 15-Year Fixed (NH only) purchase mortgage rate stands at 5.5%, marking a significant decline of 62.5 basis points compared to one week ago. This reduction lowers the cost of borrowing for members seeking shorter-term fixed-rate loans in New Hampshire, potentially benefiting buyers aiming for faster equity accumulation. Meanwhile, the 30-Year Fixed (NH only) purchase rate is at 5.875%, reflecting a modest decrease of 12.5 basis points over the past week but a slight increase of 12.5 basis points relative to 30 days ago. This fluctuation suggests stability in long-term financing costs with minor upward pressure month-over-month.

Members prioritizing payment stability might consider the 15-Year Fixed option given its current yield advantage, while those focusing on lower monthly payments may evaluate the 30-Year Fixed despite small recent increases. For first-time buyers or those planning extended ownership, assessing these rate movements against personal financial goals is advisable. Consider refinancing strategies if potential savings surpass associated expenses.

For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of December 15, 2025, fixed-rate mortgage products for purchase remain stable. The 15-year fixed rate holds at 5.14%, unchanged over the past week and month, representing the lowest rate option currently available. Meanwhile, the 30-year fixed rate stands at 5.73%, also steady with no movement in the last 7 or 30 days. This stability indicates consistent yield spreads and borrowing costs in the mortgage market.

For members prioritizing predictable payments and long-term planning, the unchanged rates on both 15-year and 30-year fixed purchase loans suggest a favorable environment to lock in financing without immediate risk of rising costs. First-time buyers may find value in evaluating shorter-term fixed options to reduce total interest expenses, while those considering longer terms should assess their cash flow needs.

Given these dynamics, members are advised to carefully consider fixed-rate loans if payment certainty is a priority and to evaluate refinancing only when potential savings exceed transaction costs.

For details, visit https://www.vcu.com/rates#mortgage-rates.

As of December 15, 2025, mortgage rates are mixed for the 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo increased to 6.336%, up by 4 basis points from yesterday and 13 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo saw a slight decline to 6.298%, down by 3 basis points from the previous day and a notable decrease of 11 basis points over the last month. Borrowers should consider these fluctuations when assessing their borrowing costs, particularly in a shifting interest rate environment where even minor changes can impact overall loan affordability.

Recent breakeven inflation rates indicate a stable outlook for inflation, with the 10-year rate at 2.260% and the 5-year rate at 2.320%. In contrast, mortgage rates have seen significant declines; the Mortgage 30Yr Jumbo Average Rate dropped by 6.36 points in one day and 6.67 points over the last month, now sitting at 6.358%, marking it as the lowest among observed rates. Such fluctuations in mortgage rates can directly impact borrowing costs for consumers, making home financing more accessible amidst stable inflation expectations. Monitoring these trends is essential for potential borrowers to make informed decisions regarding long-term commitments.

Over the years, we’ve heard from countless homebuyers who wish they’d started with better information. That’s what inspired the team at LendMesh to build a smarter, friendlier mortgage platform. Instead of searching through dozens of bank websites, you can now compare offers from respected credit unions and banks in one trusted place. We’re here to cut through the noise, offering real guidance, educational tools, and answers to the questions you might not even know to ask yet. If you’re curious about the next steps or just want to see today’s rates, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your peace of mind comes first.