Introduction
As 2025 wraps up on December 24, mortgage rates show subtle shifts that could affect your homebuying plans or refinancing decisions. Whether you’re scanning Credit Union offerings, checking Zillow’s national averages, or watching inflation trends via the Federal Reserve, small changes matter. Today’s lowest rate is a 4.625% 15-year fixed purchase loan from Potlatch No 1 Financial, standing steady over the past week. Meanwhile, Jumbo loans have eased slightly with Zillow reporting a dip to 6.138% for a 30-year fixed jumbo. Inflation expectations remain steady, supporting a stable borrowing environment. Here’s what you need to know before locking in a rate and how these numbers might influence your monthly payments and long-term savings.
New Purchase - FHA 15 yrs Fixed
Lender
2025-12-24
(Current Day)
(Current Day)
2025-12-17
(7 Days Ago)
(7 Days Ago)
2025-12-09
(15 Days Ago)
(15 Days Ago)
2025-11-24
(30 Days Ago)
(30 Days Ago)
2025-11-09
(45 Days Ago)
(45 Days Ago)
2025-10-25
(60 Days Ago)
(60 Days Ago)
2025-09-25
(90 Days Ago)
(90 Days Ago)
2025-06-27
(180 Days Ago)
(180 Days Ago)
4.63%
4.63%
4.63%
4.63%
4.75%
+12.5 bps
4.75%
+12.5 bps
4.99%
+36.5 bps
5.25%
5.25%
5.13%
-12.5 bps
5.13%
-12.5 bps
5.13%
-12.5 bps
5.13%
-12.5 bps
5.13%
-12.5 bps
5.63%
+37.5 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-12-24
(Current Day)
(Current Day)
2025-12-17
(7 Days Ago)
(7 Days Ago)
2025-12-09
(15 Days Ago)
(15 Days Ago)
2025-11-24
(30 Days Ago)
(30 Days Ago)
2025-11-09
(45 Days Ago)
(45 Days Ago)
2025-10-25
(60 Days Ago)
(60 Days Ago)
2025-09-25
(90 Days Ago)
(90 Days Ago)
2025-06-27
(180 Days Ago)
(180 Days Ago)
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.25%
5.25%
5.25%
5.38%
+12.5 bps
6.00%
6.00%
5.88%
-12.5 bps
5.88%
-12.5 bps
5.88%
-12.5 bps
5.88%
-12.5 bps
6.00%
6.38%
+37.5 bps
AVADIAN CREDIT UNION
On December 24, 2025, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from both one week and one month ago. This stability in rates, with no movement in yield spreads, indicates consistent borrowing costs for members seeking government-backed financing options. For first-time homebuyers or those utilizing FHA programs, this steady rate environment supports predictable monthly payments without recent upward pressure on interest expenses. Veterans and refinancing borrowers are not impacted today as VA or refinance options are not listed.
Given the current market, members prioritizing payment certainty should consider fixed-rate FHA loans. Evaluating refinancing opportunities remains prudent if your existing loan exceeds this level; however, with rates unchanged, potential savings must be weighed against refinancing costs. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
CREDIT UNION WEST CREDIT UNION
As of December 24, 2025, 15-Year Fixed Purchase mortgage rates have risen by 13.5 basis points to 5.125%, holding steady over the past month. This increase modestly raises the cost of borrowing for buyers seeking shorter-term loans, potentially impacting affordability for those aiming to build equity faster. Conversely, the 30-Year Fixed Purchase rate has decreased by 12.5 basis points to 5.25% compared to last week, offering a slightly lower yield spread for borrowers prioritizing long-term stability and manageable monthly payments.
For members considering home purchases, the 15-Year Fixed remains the lowest rate option today, favoring those focused on reducing overall interest expense despite higher monthly payments. Meanwhile, the dip in the 30-Year Fixed rate may benefit buyers who require extended repayment terms with predictable costs.
Evaluate your mortgage strategy carefully; consider fixed-rate options if you value payment certainty or assess refinancing opportunities when potential savings exceed associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
As of December 24, 2025, FHA 15-Year Fixed Purchase loans maintain a steady rate of 5.125%, unchanged from both one week and one month ago. This consistency preserves borrowing costs for members seeking shorter-term FHA financing, offering stable yield spreads compared to recent months. Meanwhile, the FHA 30-Year Fixed Purchase rate remains at 5.75%, also flat over the past seven and thirty days. These fixed rates provide predictability for first-time buyers prioritizing long-term budgeting without exposure to rate volatility.
Members should consider these stable FHA options when evaluating mortgage strategies; the unchanged rates suggest limited immediate benefit in refinancing solely based on interest fluctuations. For those valuing payment certainty, fixed-rate FHA loans remain a reliable choice amid current market conditions. Assess your financial goals carefully before adjusting your mortgage approach.
For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
FIRST COMMUNITY CREDIT UNION
As of December 24, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged from both one week and one month ago. This stability in rates indicates no additional upward pressure on the cost of borrowing for first-time buyers relying on government-backed programs. With no movement in yield spreads, borrowers can anticipate consistent payment expectations when locking in these terms. For members considering home purchases through FHA financing, this fixed rate offers predictability amid broader market fluctuations. Evaluating your mortgage strategy with a focus on fixed-rate options may benefit those prioritizing payment stability over variable rates. Given the unchanged rate environment, it is prudent to assess refinancing only if current costs align with long-term savings objectives. For details, visit https://fccu.org/rates/home-loan-rates.
GOLDENWEST FEDERAL CREDIT UNION
As of December 24, 2025, the 15 Year Fixed FHA Mortgage purchase rate increased by 25 basis points, rising to 5.25% from last week’s 5.0%. This uptick reflects a modest widening in yield spreads, impacting borrowers seeking shorter-term fixed financing by increasing their cost of borrowing. Meanwhile, the 30 Year Fixed FHA Mortgage purchase rate remains steady at 5.375%, showing no change over the past 7 or 30 days, representing the lowest available rate option for members prioritizing long-term payment stability.
First-time buyers evaluating loan terms should consider that the increase in 15-year rates may affect monthly affordability more significantly than the stable 30-year rates. Veterans and those refinancing may find value in monitoring these movements as they reassess their mortgage strategies.
Members are advised to weigh fixed-rate options carefully if stability is a priority and to evaluate refinancing only when potential savings exceed associated costs. For details, visit https://www.gwcu.org/rates/homeloans.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of December 24, 2025, 15-Year Fixed Purchase mortgage rates remain steady at a low 4.625%, unchanged over the past week and month, reflecting stable borrowing costs for members seeking shorter-term fixed options. Meanwhile, the 30-Year Fixed Purchase rate decreased by 12.5 basis points to 5.25% compared to one week ago, with no change over the last 30 days, indicating modest easing in long-term fixed-rate yields.
For first-time homebuyers and those prioritizing predictable payments, the consistent 15-Year Fixed rate offers cost certainty without upward pressure. Buyers opting for longer terms may benefit from the slight recent dip in the 30-Year Fixed rate, potentially lowering monthly obligations and overall financing expenses.
Members should assess their mortgage horizon; consider fixed-rate products if payment stability is essential or evaluate refinancing possibilities when yield spreads suggest cost savings exceeding transaction fees.
For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SCHOOLSFIRST FEDERAL CREDIT UNION
As of December 24, 2025, FHA 15-Year Fixed Purchase loans maintain the lowest rate at 5.25%, unchanged over the past week but up 12.5 basis points from 30 days ago. Similarly, FHA 30-Year Fixed Purchase loans hold steady at 6.00%, with no weekly change and a 12.5 basis point increase month-over-month. These stable yields suggest moderate upward pressure on borrowing costs compared to last month, impacting affordability for first-time buyers relying on government-backed options. Members seeking long-term stability might consider the 15-year FHA fixed rate, which offers lower overall interest despite slightly higher monthly payments. Given the current market, evaluating mortgage strategies with an emphasis on fixed-rate products could help manage cost predictability amid subtle yield spread shifts. Consider refinancing if potential savings outweigh associated fees. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
SUNMARK CREDIT UNION
On December 24, 2025, the 30-Year Fixed FHA Purchase mortgage rate stands at 5.375%, marking a 12.5 basis points decline from one week ago and a similar decrease compared to 30 days prior. This reduction in the cost of borrowing may improve affordability for first-time homebuyers relying on FHA-insured loans, potentially lowering monthly payments and easing initial purchase costs. For members considering government-backed options, this downward shift signals modestly improved yield spreads in favor of borrowers seeking long-term fixed-rate stability. Given these trends, members should evaluate fixed-rate FHA mortgages if prioritizing predictable payments and consider timing their purchase decisions to capitalize on current rates. Assessing refinancing viability remains prudent when potential savings exceed associated costs. For details, visit https://www.sunmark.org/index.php/current-rates#:~:text=Mortgages-,MORTGAGE%20TYPE,-RATE
Zillow National Average
As of December 24, 2025, mortgage rates have generally decreased. The 15-Year Fixed Rate Jumbo is now at 6.325%, down by 1 basis point from yesterday, while the 30-Year Fixed Rate Jumbo has fallen to 6.138%, a decrease of 27 basis points in just one day. Over the past week, the 30-Year Fixed Rate Jumbo dropped by 21 basis points, indicating a trend that may benefit borrowers looking for lower borrowing costs. However, over the past month, the 30-Year Fixed Rate Jumbo rate has decreased by 25 basis points, suggesting a more favorable environment for long-term financing options. Borrowers should consider these fluctuations when planning their mortgage applications.
Federal Reserve Economic Trends
As of December 24, 2025, breakeven inflation rates for both 10-year and 5-year are steady at 2.240, indicating stable inflation expectations. This stability can influence mortgage rates, which have seen notable movements. The Mortgage 30Yr Jumbo Average Rates increased by 0.16 points over the past week, while the Mortgage 30Yr Usda Average Rates rose by 0.12 points in the last month. Additionally, there has been a significant decrease of 6.19 points in the Mortgage 30Yr Average Rates over the last 60 days. The lowest mortgage rate reported is 5.794% for the VA loan category. Borrowers should consider these trends when planning their financing strategies to minimize borrowing costs effectively.
LendMesh
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Conclusion
Looking ahead, even minor moves in mortgage rates can reshape your financial landscape. For buyers considering shorter terms, the steady 4.625% 15-year fixed rate offers a compelling balance of manageable monthly payments and faster equity building. If Jumbo financing fits your profile, the recent softening to 6.138% could save thousands over time compared to last month’s rates. Keep an eye on inflation signals; stable breakeven rates suggest no sudden spikes in borrowing costs are imminent but don’t expect significant drops either. When weighing whether to lock or wait, consider how each tenth of a percent impacts total interest, you might pay hundreds more annually for every 0.125% increase. In uncertain markets, lean on trusted credit unions with transparent offerings and keep your goals clear: affordability today means financial freedom tomorrow.