Introduction
On December 19, 2025, homebuyers and refinancers alike are finding a subtle shift in mortgage rates that could make a meaningful difference in their next move. Credit Unions like First Community 66818 are holding steady with a 4.75% rate on a 15-year fixed refinance, offering one of the most affordable options available today. Meanwhile, Zillow’s jumbo loan averages show slight declines, with the 15-year fixed jumbo rate dipping to 6.158%, reflecting easing borrowing costs for high-value buyers. Inflation expectations have nudged down just a bit, signaling calmer economic winds ahead. Here’s what you need to know before locking in a rate, because even small changes can reshape your monthly payments and long-term savings.
Refinance - Conventional 15 yrs Fixed
Lender
2025-12-19
(Current Day)
(Current Day)
2025-12-12
(7 Days Ago)
(7 Days Ago)
2025-12-04
(15 Days Ago)
(15 Days Ago)
2025-11-19
(30 Days Ago)
(30 Days Ago)
2025-11-04
(45 Days Ago)
(45 Days Ago)
2025-10-20
(60 Days Ago)
(60 Days Ago)
2025-09-20
(90 Days Ago)
(90 Days Ago)
2025-06-22
(180 Days Ago)
(180 Days Ago)
4.75%
4.75%
4.88%
+12.5 bps
4.88%
+12.5 bps
4.88%
+12.5 bps
4.88%
+12.5 bps
5.25%
+50 bps
Refinance - Conventional 30 yrs Fixed
Lender
2025-12-19
(Current Day)
(Current Day)
2025-12-12
(7 Days Ago)
(7 Days Ago)
2025-12-04
(15 Days Ago)
(15 Days Ago)
2025-11-19
(30 Days Ago)
(30 Days Ago)
2025-11-04
(45 Days Ago)
(45 Days Ago)
2025-10-20
(60 Days Ago)
(60 Days Ago)
2025-09-20
(90 Days Ago)
(90 Days Ago)
2025-06-22
(180 Days Ago)
(180 Days Ago)
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
AFFINITY PLUS FEDERAL CREDIT UNION
As of December 19, 2025, conventional refinance mortgage rates remain stable with no changes over the past week or month. The 15-Year Fixed-Rate Conventional refinance holds steady at 5.5%, representing the lowest rate among today’s options, maintaining consistent yield spreads and cost of borrowing. The 30-Year Fixed-Rate Conventional refinance is unchanged at 6.0%, reflecting steady market conditions after recent volatility earlier in the year.
For members considering refinancing, these static rates suggest limited immediate financial advantage from waiting, especially for those prioritizing predictable monthly payments. First-time refinancers and long-term homeowners might evaluate fixed-rate options to lock in current yields and reduce exposure to rate fluctuations. Given stable pricing, assessing refinancing costs against potential savings remains essential.
Consider your mortgage strategy carefully; if projected savings exceed refinancing expenses, pursuing a fixed-rate refinance may optimize long-term financial outcomes. For details, visit https://www.affinityplus.org/rates/mortgage-rates.
BROADVIEW FEDERAL CREDIT UNION
As of December 19, 2025, the 30-Year Fixed Refinance mortgage rate at Broadview Credit Union has declined by 12.5 basis points, moving from 6.125% to 6.0% over the past week. This reduction lowers the cost of borrowing for members seeking to refinance, potentially improving monthly cash flow and long-term interest savings. While rates remain above historical lows, this downward adjustment may benefit homeowners evaluating their refinancing options.
Members prioritizing payment stability should consider locking in a fixed-rate refinance to mitigate future rate volatility. Given the absence of longer-term historical comparisons, recent yield spreads suggest moderate market easing. Evaluating your mortgage strategy with current rates can help determine if refinancing offsets associated closing costs.
DIGITAL FEDERAL CREDIT UNION
On December 19, 2025, 15-year fixed refinance rates decreased by 25 basis points, settling at 5.125%, marking the lowest rate in this category over the past two months. Similarly, the 30-year fixed refinance rate also declined by 25 basis points to 5.75%, reflecting a notable tightening in yield spreads compared to one month ago. These declines reduce the overall cost of borrowing for homeowners considering refinancing, potentially improving monthly cash flow and long-term interest savings.
For members with shorter remaining loan terms, the drop in 15-year fixed rates offers an opportunity to accelerate principal repayment at a lower cost. Meanwhile, those seeking extended amortization may find value in locking in the current 30-year fixed rate to stabilize payments amid market volatility. Given these movements, evaluating refinancing options based on individual financial goals and break-even analysis is advisable.
Consider fixed-rate refinance loans if you prioritize predictable payments and assess whether interest savings justify transaction costs. For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.
FIRST COMMUNITY CREDIT UNION
As of December 19, 2025, 15 Year Fixed Refinance rates remain at 4.75%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This rate represents the lowest yield among today’s refinance options, offering a reduced cost of borrowing for those prioritizing shorter loan terms. Meanwhile, the 30 Year Fixed Refinance rate holds steady at 5.625%, also flat over the past week and down 12.5 basis points month-over-month. Borrowers seeking long-term stability may find this consistent rate beneficial for managing monthly payments.
Members considering refinancing should evaluate how these modest decreases impact overall interest expense and loan amortization schedules. Those valuing payment predictability might consider fixed-rate options amid current market stability. For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
LANGLEY FEDERAL CREDIT UNION
As of December 19, 2025, Langley credit union’s 30-year fixed refinance rate remains steady at 4.99%, showing no change from both one week and one month ago. This stability suggests consistent yield spreads and borrowing costs for members seeking long-term refinancing options. Meanwhile, the 15-year fixed refinance rate holds at 5.00%, unchanged from last week but down by 78 basis points compared to 30 days prior, indicating a notable reduction in short-term fixed borrowing costs over the past month.
For members prioritizing payment stability and long-term budgeting, the unchanged 30-year fixed rate provides predictability without increased cost pressures. Borrowers considering accelerated payoff should evaluate the reduced 15-year fixed rate, which may lower overall interest expense despite slightly higher monthly payments.
In summary, members may find value in reassessing their mortgage strategies: consider fixed-rate options if you value rate certainty; evaluate refinancing opportunities where reduced rates exceed associated costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.
TROPICAL FINANCIAL CREDIT UNION
As of December 19, 2025, 15-year fixed refinance loans offer the lowest rate at 5.125%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. Similarly, the 30-year fixed refinance rate remains steady at 6.0%, also unchanged over the past week and decreased by 12.5 basis points over the last month. These modest declines in long-term borrowing costs may benefit members seeking to reduce monthly payments or total interest expense through refinancing. Borrowers prioritizing payment stability might consider the fixed-rate options, which currently show stable yield spreads with no recent upward pressure. Given these trends, members should evaluate their mortgage strategies carefully; refinancing could be advantageous if potential savings outweigh associated costs. For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.
Zillow National Average
As of December 19, 2025, mortgage rates are mixed for jumbo loans. The 15-Year Fixed Rate Jumbo stands at 6.158%, down by 1 basis point from yesterday and 14 basis points lower than a week ago. In contrast, the 30-Year Fixed Rate Jumbo is at 6.313%, reflecting a slight decrease of 2 basis points in one day but showing minimal fluctuation over the past week. Notably, the 15-Year Fixed Rate Jumbo has seen the most significant decline in the last month, dropping 25 basis points. Borrowers may find more favorable terms with shorter loan durations, especially as the yield spread tightens; careful consideration of these rates can help optimize borrowing costs.
Federal Reserve Economic Trends
Inflation expectations, reflected in the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the Breakeven Inflation Rate 10Yr stands at 2.240, unchanged from yesterday, while the 5Yr rate has also remained steady at 2.260. In terms of mortgage rates, the 30-Year FHA Average Rate is at 6.078, marking the lowest among reported rates. Notably, the largest shift over the past week occurred in the Mortgage 30Yr Usda Average Rates, which rose by 0.26 points. For borrowers, these fluctuations signal varying costs in financing homes; thus monitoring these indicators remains crucial for informed decision-making.
LendMesh
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Conclusion
As you weigh your options in this shifting mortgage landscape, consider how even modest differences in rates impact your budget over time. The lowest available 15-year fixed refinance rate at 4.75% from First Community 66818 may save you hundreds each month compared to higher rates elsewhere. With some lenders showing stable or slightly declining rates, it pays to shop around and lock in when you find a solid fit. Keep an eye on inflation trends too; as they settle, so might mortgage costs. Whether buying or refinancing, focus on your financial goals and choose terms that keep payments manageable without stretching your budget too thin. Taking these steps helps ensure your home financing supports your future with confidence and clarity.