Introduction
On December 19, 2025, mortgage rates show subtle shifts that could shape your next home decision. Whether you’re eyeing a refinance or a purchase, small changes in rates can mean big differences in monthly payments. Credit unions like First Community 66818 are holding steady with a 15-year fixed refinance at 4.75%, while Zillow’s data points to a slight uptick in the 30-year fixed jumbo rate now at 6.419%. Meanwhile, the Federal Reserve’s breakeven inflation rates suggest easing inflation expectations, which often influence borrowing costs. Here’s what you need to know before locking in a rate and how these modest moves might open doors for your financial plans.
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, 15-Year Fixed-Rate Conventional Refinance loans maintain the lowest yield at 5.5%, unchanged over the past week and month. The 30-Year Fixed-Rate Conventional Refinance rate remains steady at 6.0%, showing no movement in recent periods. These stable rates suggest consistent cost of borrowing for members considering refinancing options. For homeowners aiming to reduce long-term interest expenses, the 15-year fixed offers a lower rate, potentially shortening payoff duration despite higher monthly payments. Conversely, the 30-year fixed provides predictable payment stability with a longer term but at a higher rate. Members should evaluate their mortgage strategy based on their financial goals and risk tolerance; consider fixed-rate options if you prioritize payment certainty or refinancing if projected savings outweigh transaction costs. For details, visit https://www.affinityplus.org/rates/mortgage-rates.
BROADVIEW FEDERAL CREDIT UNION
On December 19, 2025, the 30-Year Fixed Refinance mortgage rate at Broadview Credit Union decreased by 12.5 basis points, moving from 6.125% a week ago to 6.0% today. This reduction lowers the cost of borrowing for members refinancing existing mortgages, potentially improving monthly payment affordability and long-term interest expenses. Since rates remain steady compared to earlier periods without available data, borrowers prioritizing rate stability may find this fixed-rate option advantageous. Members considering refinancing should evaluate whether current savings on interest outweigh associated fees and points, especially with no additional points required at this rate. For detailed analysis and personalized impact assessments, consider reviewing your mortgage strategy in light of this adjustment. For details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/refinance-and-save/.
DIGITAL FEDERAL CREDIT UNION
As of December 19, 2025, 15-year fixed refinance rates have declined by 25 basis points, settling at a competitive 5.125% with 1.0 point, the lowest in recent months. Similarly, the 30-year fixed refinance rate dropped by 25 basis points to 5.75% with 1.5 points, reflecting a notable reduction in the cost of borrowing over the past week and month. These shifts narrow yield spreads, potentially lowering monthly payments and overall interest costs for borrowers seeking to refinance. Members prioritizing payment stability may benefit from locking in these fixed rates, while evaluating their long-term mortgage strategy against current market trends is advisable. Consider refinancing if anticipated savings exceed associated fees to optimize financial outcomes. 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 loans remain at the lowest rate in today's market at 4.75%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. Similarly, the 30 Year Fixed Refinance rate holds steady at 5.625%, with no change over the past week and a modest decline of 12.5 basis points since last month. These stable yield spreads suggest a slightly reduced cost of borrowing for homeowners considering refinancing, particularly benefiting those aiming for shorter-term payoff horizons or lower monthly payments. Members evaluating refinancing should weigh these rates against closing costs and long-term savings potential; fixed-rate options continue to offer predictability amid variable market conditions. Consider your mortgage strategy carefully to optimize financial outcomes based on these current benchmarks.
For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.
LANGLEY FEDERAL CREDIT UNION
As of December 19, 2025, Langley Credit Union reports stable mortgage refinancing rates for fixed terms. The 30-year fixed refinance rate remains steady at 4.99%, showing no change over the past week or month, reflecting consistent yield spreads and borrowing costs in this segment. Conversely, the 15-year fixed refinance rate holds at 5.00%, unchanged from last week but down significantly by 78 basis points compared to 30 days ago, indicating a notable reduction in long-term refinancing expenses for borrowers opting for shorter terms.
Members considering refinancing should evaluate their financial goals; the lowest current rate is on the 30-year fixed refinance at 4.99%, providing predictability in monthly payments. Those prioritizing faster loan payoff may benefit from the decreased cost in the 15-year option. Given these dynamics, it is advisable to assess whether refinancing aligns with your strategy to manage interest rate exposure and overall loan cost.
For details, visit https://www.langleyfcu.org/mortgage-refinance.
TROPICAL FINANCIAL CREDIT UNION
As of December 19, 2025, 15-year fixed refinance loans remain at a competitive 5.125%, unchanged over the past week but down 12.5 basis points from 30 days ago, indicating a slight easing in the cost of borrowing for short-term refinancers. Similarly, 30-year fixed refinance rates hold steady at 6.00%, showing no weekly change and a modest decline of 12.5 basis points compared to one month prior, which may benefit members seeking longer amortization with stable payments.
These stable yield spreads suggest refinancing remains an effective strategy for borrowers aiming to reduce monthly obligations or shorten loan duration without rate volatility. Members should consider fixed-rate refinance options if they prioritize payment certainty; evaluating these rates against their current mortgage terms could reveal potential savings over time.
For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.
Zillow National Average
As of December 19, 2025, mortgage rates for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans have increased slightly. The 15-Year Fixed Rate Jumbo is now at 6.220%, up by 5 basis points from yesterday, while the 30-Year Fixed Rate Jumbo has risen to 6.419%, marking an increase of 8 basis points in the same period. Over the past week, the 30-Year Fixed Rate Jumbo has seen a total increase of 9 basis points, indicating a potential upward trend in borrowing costs. Borrowers should carefully evaluate these shifts as they may affect overall loan affordability and long-term financial planning.
Federal Reserve Economic Trends
Current inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-year rate at 2.240% and the 5-year rate at 2.260%. These figures suggest stable inflation outlooks, which can influence mortgage rates and overall borrowing costs. Notably, the Mortgage 30Yr Va Average Rate has seen the largest decline of 0.20 points over the past week, while the Mortgage 30Yr Usda Average Rates dropped by 0.11 points over both 30 and 60 days, indicating a potential easing in borrowing costs for some borrowers. The lowest mortgage rate currently is 5.774% for the VA option. Borrowers should consider these trends when evaluating financing options and potential savings on loan costs.
LendMesh
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Conclusion
Even minor shifts in mortgage rates can ripple through your budget over time. A difference of just a quarter-point on a 30-year loan may increase your monthly payment by several dozen dollars and add thousands in interest across the life of your mortgage. With today’s landscape showing mostly steady or slightly declining rates at trusted credit unions and national averages, consider locking in if you find a rate that fits your goals, especially if you qualify for the lowest refinance rate of 4.75% on a 15-year fixed loan from First Community 66818. For buyers and investors, understanding how these rate nuances affect affordability will help you plan smarter, not harder. Keep an eye on inflation trends too; they’re quiet signals that can tip future borrowing costs. Staying informed and flexible is the best strategy as you navigate this evolving market.