December 22, 2025 | Lowest Fixed Mortgage Rate at 4.50% | Credit Union Purchase Loans

As of December 22, 2025, AFFINITY reports stable mortgage rates with no changes over the past week or month. The 15-Year Fixed Rate Purchase loan holds steady at 5.125%, representing the lowest rate available among today’s options. Meanwhile, the 30-Year Fixed Rate Purchase remains unchanged at 5.75%. This stability in yield spreads suggests a consistent cost of borrowing for members seeking fixed-rate financing.

For first-time buyers and those prioritizing predictable payments, locking in the 15-year fixed offers a lower rate and faster equity build despite higher monthly payments. Conversely, the 30-year fixed provides longer-term affordability with steady rates ideal for budgeting over time. Members considering refinancing should evaluate if current rates align with their financial goals since no immediate savings from rate declines are evident.

Members are encouraged to consider fixed-rate products if stability is a priority and to assess refinancing options carefully based on long-term cost-benefit analysis. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of December 22, 2025, fixed-rate mortgage products for home purchases remain steady. The 15 Year Conforming Fixed loan holds at 4.5%, unchanged from both one week and one month ago, reflecting stable yield spreads and consistent borrowing costs for shorter-term commitments. Meanwhile, the 30 Year Conforming Fixed purchase rate is steady at 5.0%, with no change over the past 7 and 30 days, indicating a stable cost environment for long-term financing.

For members prioritizing payment stability, especially first-time buyers, these fixed rates provide predictable budgeting without recent volatility. Given the unchanged rates, homeowners considering refinancing should evaluate whether current market conditions justify transaction costs relative to potential savings.

Members are advised to consider fixed-rate options if they value certainty in monthly payments or assess refinancing if potential interest savings exceed associated fees. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of December 22, 2025, the 30-year Fixed-Rate Mortgage for Purchase purposes remains at a competitive 4.75%, unchanged from one week ago but down by 25 basis points compared to 30 days prior. This decline in yield spreads suggests a modest reduction in the overall cost of borrowing for homebuyers locking in long-term fixed rates. First-time buyers can benefit from this lower rate environment by securing predictable monthly payments, while homeowners evaluating their purchase timing may find enhanced affordability compared to last month. Given stable rates over the past week, those prioritizing payment certainty should consider fixed-rate options. Members contemplating refinancing should analyze whether current rates offer meaningful savings after accounting for closing costs and loan terms. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 22, 2025, mortgage rates at FAMILY TRUST remain stable with no changes over the past week or month. The 15-Year Fixed Rate Purchase loan holds steady at 4.708%, representing the lowest rate available today, while the 30-Year Fixed Rate Purchase loan remains at 5.5%. This stability in yield spreads suggests consistent borrowing costs for members seeking fixed-rate loans, benefiting those prioritizing predictable payments. First-time buyers may find the 15-year option advantageous due to lower overall interest expenses, while longer-term borrowers can assess their strategy given unchanged rates. Members considering refinancing should evaluate if current rates align with their financial goals, especially since no recent rate reductions have occurred. Consider fixed-rate options if you value payment certainty and review your mortgage strategy periodically to optimize long-term costs. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of December 22, 2025, FIRST COMMUNITY reports stable mortgage rates for key fixed-rate purchase programs. The 15 Year Fixed Purchase rate remains at 4.75%, unchanged from last week but down 12.5 basis points compared to 30 days ago, reducing the cost of borrowing for buyers seeking shorter-term commitments. Similarly, the 30 Year Fixed Purchase rate holds steady at 5.625%, with no change over the past week and a modest decline of 12.5 basis points month-over-month, offering long-term stability for homebuyers prioritizing predictable payments.

These yield spreads suggest a slightly improved borrowing environment compared to one month prior, which may benefit first-time buyers evaluating fixed-rate options for budgeting certainty. Members considering purchase loans should assess their mortgage strategy in light of these consistent rates; refinancing opportunities might be limited given current stability but remain worth reviewing if your existing loan exceeds these levels.

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

As of December 22, 2025, mortgage rates at First Financial of Maryland remain stable across key fixed-rate products. The 15-Year Land Loan holds steady at 6.25%, unchanged from both one week and one month ago, reflecting consistent yield spreads in the short-term fixed segment. Similarly, the 30-Year Fixed Purchase loan maintains its rate at 5.875%, the lowest available today, with no change over the past 30 days, offering a competitive borrowing cost for longer-term homebuyers.

For members prioritizing predictable payments, these stable fixed rates provide clarity in mortgage planning without added premium costs. First-time buyers can benefit from locking in these yields to minimize interest expenses over time. While refinancing options are not detailed today, borrowers should regularly evaluate market trends against their financial goals.

Consider fixed-rate options if you value payment stability; review your mortgage strategy to ensure alignment with current rate levels. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of December 22, 2025, 15-Year Fixed Purchase mortgage rates have increased by 12.5 basis points, rising to 5.0% from 4.875% one week ago. This upward shift raises the cost of borrowing for borrowers seeking shorter-term stability and faster equity buildup. Meanwhile, the 30-Year Conventional Purchase rate rose by 12.5 basis points compared to last week, reaching 5.625%, though it remains 25 basis points lower than 30 days ago, reflecting some easing in longer-term yield spreads.

For members prioritizing predictable payments and quicker loan payoff, the increase in 15-Year Fixed rates suggests careful evaluation before locking in. Borrowers considering a conventional 30-year fixed loan should note recent volatility but also potential longer-term savings compared to a month ago. Members are advised to assess their mortgage strategies based on current rate trends and personal financial goals.

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

As of December 22, 2025, 15-Year Conforming Fixed Purchase rates remain steady at 5.125%, showing no change over the past week or month, indicating stable borrowing costs for buyers seeking shorter-term financing. Meanwhile, the 30-Year Conforming Fixed Purchase rate has declined by 12.5 basis points to 5.75% over the last seven days and also reflects a 12.5 basis point drop compared to 30 days ago. This decrease in longer-term fixed rates may benefit homebuyers prioritizing predictable monthly payments and those evaluating long-term affordability.

For members considering mortgage options, the stability in 15-year fixed rates supports consistent repayment planning, while the modest decline in 30-year fixed rates reduces overall yield spreads and cost of borrowing on extended terms. Evaluating your mortgage strategy with these trends in mind could optimize financing decisions; consider fixed-rate loans if payment predictability is essential or reassess refinancing opportunities where rate reductions outweigh associated costs.

For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of December 22, 2025, Super Conforming 15 Year Fixed Purchase loans maintain the lowest rate at 5.125% with 0.125 points, unchanged over both the past week and month. The Super Conforming 30 Year Fixed Purchase rate remains steady at 5.75% with 0.625 points, showing no variation in the last seven or thirty days. Stability in these fixed-rate products suggests limited short-term volatility in yield spreads, which may benefit borrowers seeking predictable long-term costs.

For first-time buyers and those prioritizing consistent payments, the unchanged 15-year fixed rate offers a lower cost of borrowing compared to the 30-year option. Given current market conditions, members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is critical, or assess refinancing only if potential savings outweigh associated fees.

For details, visit https://www.sdfcu.org/rates#mortgages-block.

As of December 22, 2025, VANTAGE members seeking Purchase loans can expect stable mortgage rates. The 15-Year Fixed purchase rate holds steady at 5.14%, unchanged over the past week and month, reflecting consistent borrowing costs for those prioritizing shorter-term fixed payments. Similarly, the 30-Year Fixed purchase rate remains at 5.73%, showing no movement in the last 7 or 30 days; this signals a stable yield spread for long-term financing options.

For first-time homebuyers and those valuing payment predictability, these unchanged rates maintain current affordability expectations without new pressure on monthly budgets. Members evaluating refinancing should monitor potential shifts but may consider fixed-rate products now to lock in predictable costs amid flat rate trends.

Given the stability, members should assess their mortgage strategy carefully, consider fixed-rate options if you value payment certainty or evaluate refinancing if potential savings exceed associated costs.

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

Mortgage rates have shown mixed movements today, December 22, 2025. The 15-Year Fixed Rate Jumbo is down to 6.180%, a decrease of 10 basis points from yesterday and an increase of 11 basis points over the past month. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.374%, slightly down by 1 basis point from the previous day but up 11 basis points in the last week. These fluctuations indicate a modest adjustment in borrowing costs, impacting decisions for potential homeowners and those considering refinancing. Borrowers should carefully evaluate these rates and consider their options based on current market conditions.

Current inflation expectations, indicated by the Breakeven Inflation Rates, are stable, with the 10-Year rate at 2.240% and the 5-Year rate at 2.270%. These figures suggest a moderate outlook on future inflation, which can influence mortgage rates and overall borrowing costs. The most significant changes include a drop in the Mortgage 30Yr Jumbo Average Rates, which decreased by 6.38 points in one day and 6.53 points over the past week, indicating a tightening of lending conditions for borrowers seeking jumbo loans. Meanwhile, the lowest mortgage rate recorded is for the 30-Year USDA Average Rate at 5.968%. Borrowers should consider these dynamics when evaluating financing options to optimize their borrowing costs effectively.

Finding the right home loan can feel overwhelming, especially with so many banks and credit unions out there. That’s why LendMesh exists—to bring you the most competitive mortgage rates, side-by-side comparisons, and practical financial advice, all in one place. Our expert content breaks down complex terms so you can move forward with confidence, and our partnerships with lenders nationwide give you access to unique programs you might not discover elsewhere. When you’re ready to see the latest rates, calculate your affordability, or simply learn more about homeownership, visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is where home buying meets smart, user-friendly technology.