Introduction
On February 25, 2026, mortgage rates show subtle shifts that could influence your home financing decisions. While some Credit Unions hold steady, like Avadian’s 30-year FHA fixed at 5.125%, others like Mountain America’s 15-year FHA climbed by 25 basis points to 4.875% this week. Zillow’s jumbo loans reflect a slight dip, with the 30-year fixed jumbo rate easing to 6.121%. Meanwhile, inflation expectations nudged down modestly, offering some breathing room for borrowers watching economic signals closely. Here’s what you need to know before locking in a rate: the lowest available option today is Potlatch No 1 Financial’s 15-year fixed at 4.625%, providing a compelling choice for those aiming to pay off their home sooner without points.
New Purchase - FHA 15 yrs Fixed
Lender
2026-02-25
(Current Day)
(Current Day)
2026-02-18
(7 Days Ago)
(7 Days Ago)
2026-02-10
(15 Days Ago)
(15 Days Ago)
2026-01-26
(30 Days Ago)
(30 Days Ago)
2026-01-11
(45 Days Ago)
(45 Days Ago)
2025-12-27
(60 Days Ago)
(60 Days Ago)
2025-11-27
(90 Days Ago)
(90 Days Ago)
2025-08-29
(180 Days Ago)
(180 Days Ago)
4.88%
4.88%
5.00%
+12.5 bps
5.00%
+12.5 bps
5.00%
+12.5 bps
4.88%
5.00%
+12.5 bps
5.25%
+37.5 bps
4.99%
4.99%
5.25%
+26 bps
5.25%
+26 bps
4.99%
5.00%
+1 bps
5.00%
+1 bps
5.13%
+13.5 bps
4.88%
4.63%
-25 bps
4.88%
5.00%
+12.5 bps
4.99%
+11.5 bps
5.00%
+12.5 bps
5.00%
+12.5 bps
5.00%
5.00%
5.13%
+12.5 bps
5.13%
+12.5 bps
5.25%
+25 bps
6.00%
+100 bps
5.13%
+12.5 bps
5.50%
+50 bps
New Purchase - FHA 30 yrs Fixed
Lender
2026-02-25
(Current Day)
(Current Day)
2026-02-18
(7 Days Ago)
(7 Days Ago)
2026-02-10
(15 Days Ago)
(15 Days Ago)
2026-01-26
(30 Days Ago)
(30 Days Ago)
2026-01-11
(45 Days Ago)
(45 Days Ago)
2025-12-27
(60 Days Ago)
(60 Days Ago)
2025-11-27
(90 Days Ago)
(90 Days Ago)
2025-08-29
(180 Days Ago)
(180 Days Ago)
5.38%
5.38%
5.50%
+12.5 bps
5.50%
+12.5 bps
5.63%
+25 bps
5.50%
+12.5 bps
5.63%
+25 bps
6.13%
+75 bps
5.13%
5.25%
+12.5 bps
5.38%
+25 bps
5.38%
+25 bps
5.38%
+25 bps
5.38%
+25 bps
5.25%
+12.5 bps
5.63%
+50 bps
5.13%
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.00%
5.00%
5.13%
+12.5 bps
5.13%
+12.5 bps
5.38%
+37.5 bps
5.38%
+37.5 bps
5.25%
+25 bps
5.13%
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
5.38%
+25 bps
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.88%
+25 bps
6.38%
+75 bps
5.88%
+25 bps
6.25%
+62.5 bps
AVADIAN CREDIT UNION
As of February 25, 2026, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.125%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This yield spread reduction lowers the overall cost of borrowing for first-time buyers and those seeking government-backed options, potentially improving affordability. For members considering home purchases under FHA terms, this stability suggests a favorable environment for fixed-rate commitments without short-term volatility. Given these dynamics, members should consider fixed-rate options if they prioritize payment predictability and evaluate their mortgage strategy in light of recent downward trends. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.
CREDIT UNION WEST CREDIT UNION
As of February 25, 2026, the 15-Year Fixed Purchase mortgage rate stands at 5.0% with 0.875 points, reflecting a 12.5 basis point increase over the past week and a slight 12.5 basis point decline compared to 30 days ago. This modest short-term rise may incrementally raise borrowing costs for homebuyers locking in fixed terms, especially first-time purchasers prioritizing predictable payments. The recent volatility suggests buyers should carefully assess whether a fixed-rate loan aligns with their long-term financial plans amid shifting yield spreads. Members considering purchase loans should evaluate how these fluctuations affect total interest outlays and consult updated amortization scenarios. Given the current dynamics, it is prudent to consider fixed-rate options if payment stability is critical or review refinancing alternatives if existing rates exceed today’s offers. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.
ENT CREDIT UNION
On February 25, 2026, FHA 15-Year Fixed Purchase loans hold the lowest rate at 4.875%, unchanged over the past week but down 12.5 basis points from 30 days ago. Similarly, the FHA 30-Year Fixed Purchase rate remains steady at 5.375%, also reflecting a 12.5 basis point decline month-over-month. These modest decreases in yield spreads reduce the cost of borrowing for first-time buyers seeking FHA financing, enhancing affordability on longer-term commitments.
Members prioritizing predictable payments may consider locking in these stable fixed rates. Given the recent downward trend, evaluating your mortgage strategy now could help optimize long-term costs, particularly if refinancing opportunities align with your financial goals. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.
GOLDENWEST FEDERAL CREDIT UNION
As of February 25, 2026, 15 Year Fixed FHA Mortgage rates hold steady at a competitive 4.99%, marking no change over the past week and a notable decline of 26 basis points compared to 30 days ago. This reduction in yield spreads lowers borrowing costs for buyers seeking shorter-term government-backed financing. Meanwhile, the 30 Year Fixed FHA Mortgage rate decreased by 12.5 basis points week-over-week to 5.125%, reflecting a cumulative drop of 25 basis points over the past month. This shift benefits long-term purchasers by improving affordability on extended terms. First-time homebuyers relying on FHA loans should evaluate these downward trends when considering purchase timing, while those prioritizing payment stability may find fixed-rate options advantageous. Given these dynamics, members are advised to assess refinancing potential or mortgage strategies aligned with current rate movements. For details, visit https://www.gwcu.org/rates/homeloans.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
As of February 25, 2026, 15-year FHA fixed purchase loans show a rise to 4.875%, an increase of 25 basis points from one week ago but still 12.5 basis points lower than 30 days prior. This uptick in yield spreads slightly raises the cost of borrowing for buyers seeking shorter-term government-backed financing. Conversely, the 30-year FHA fixed purchase rate remains steady at 5.125%, unchanged from last week and down by 12.5 basis points over the past month, maintaining its position as the higher-duration option with stable pricing.
For members prioritizing payment stability, especially first-time buyers relying on FHA programs, these shifts suggest weighing the trade-off between shorter loan terms with rising rates versus longer terms offering steady yields. Veterans and those refinancing should monitor these trends closely; consider fixed-rate options if valuing predictability or evaluate refinancing if potential savings outweigh closing costs.
For details, visit https://www.macu.com/rates/home.
ONE NEVADA CREDIT UNION
As of February 25, 2026, the FHA 30 Year Fixed Purchase loan remains at a 5.25% interest rate, unchanged over the past week. This stability reflects a 12.5 basis point decline compared to 30 days ago, indicating a modest easing in borrowing costs for eligible buyers. First-time homebuyers relying on FHA-backed loans may find these rates favorable for long-term affordability, given the fixed nature of the product. While rates have held steady short-term, the month-over-month decrease could influence decisions around timing home purchases or mortgage commitments. Members should consider fixed-rate options if they prioritize payment predictability and evaluate their mortgage strategy in light of recent yield spread improvements. For details, visit https://www.onenevada.org/loans/rates#:~:text=All%20Rates-,Mortgage%20Loan,-30%20Year%20Fixed.
PENTAGON FEDERAL CREDIT UNION
As of February 25, 2026, the 30-year Fixed FHA Purchase Loan remains at a stable 5.00%, unchanged over the past week but down 12.5 basis points from 30 days ago. This modest decline in rates reduces the overall cost of borrowing for first-time buyers and those seeking government-backed financing. The steady yield suggests consistent market conditions, benefiting members prioritizing predictable payments and long-term budgeting.
For prospective homebuyers considering an FHA loan, this rate stability supports evaluating fixed-rate options to lock in current yields. Members weighing purchase timing should factor in these slight improvements when assessing affordability. Given the current trend, it is prudent to review mortgage strategies regularly and consider refinancing if future rate shifts yield meaningful savings.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
On February 25, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.625%, unchanged over the past week and month, maintaining the lowest yield among available options. The 30-Year Fixed Purchase rate holds at 5.125%, stable week-over-week but down by 12.5 basis points compared to 30 days ago, reflecting a modest easing in long-term borrowing costs.
For members prioritizing predictable payments, the consistent 15-Year Fixed rate offers a reliable cost of borrowing with no recent volatility. Meanwhile, those considering longer terms may benefit from recent declines in the 30-Year Fixed rate to lower monthly obligations or refinance existing debt.
Evaluating your mortgage strategy with these stable or slightly improved rates can support informed decisions; specifically, fixed-rate products provide certainty amid fluctuating markets. Consider refinancing if projected savings surpass associated costs.
For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SCHOOLSFIRST FEDERAL CREDIT UNION
As of February 25, 2026, FHA fixed-rate purchase loans remain steady at 5.00% for 15-year terms and 5.625% for 30-year terms, with no change over the past week. Compared to 30 days ago, these rates have decreased by 12.5 basis points, reflecting a modest improvement in borrowing costs for members seeking government-backed financing.
The 15-year FHA fixed option at 5.00% offers the lowest yield among today’s available purchase products, benefiting members aiming to reduce long-term interest expense through shorter amortization. Meanwhile, the 30-year FHA fixed rate at 5.625% maintains stable affordability for borrowers prioritizing lower monthly payments.
Members should consider these rates in light of their financial goals; those valuing payment stability may find fixed-rate FHA loans advantageous. Evaluating refinancing opportunities could also be prudent if potential savings outweigh associated costs.
For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
SPACE COAST CREDIT UNION
On February 25, 2026, SPACE COAST reports stable mortgage rates for fixed-rate purchase loans. The 15-year fixed purchase rate remains at 5.125%, unchanged over the past week but down by 25 basis points compared to 30 days ago. Similarly, the 30-year fixed purchase rate holds steady at 5.875%, showing no change in the last seven days and a decline of 25 basis points month-over-month. These rate reductions over the past month lower the overall cost of borrowing for homebuyers opting for longer-term commitments. First-time buyers and those seeking predictable payments may find the 15-year fixed option at 5.125% advantageous due to its lower yield spread and shorter amortization period. Given these trends, members should evaluate their mortgage strategy carefully; considering fixed-rate products could offer stability amid market fluctuations, while refinancing might reduce long-term interest expenses if closing costs are justified. For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.
Zillow National Average
Mortgage rates have seen a slight decline today, with the 15-Year Fixed Rate Jumbo at 6.017%, down by 0.05 basis points from yesterday and showing a more significant drop of 0.20 basis points over the past month. The 30-Year Fixed Rate Jumbo has increased slightly to 6.121%, marking an uptick of 0.02 basis points from one day ago but down 0.08 basis points from 30 days prior. Borrowers should note these fluctuations, as the current rates suggest a mixed trend in the cost of borrowing; potential homeowners may find opportunities in the lower rate for the 15-Year Fixed Rate Jumbo while keeping an eye on the slight increase in the longer-term option.
Federal Reserve Economic Trends
As of today, the Breakeven Inflation Rate for 10 years is at 2.260%, indicating stable inflation expectations that can influence mortgage rates and overall borrowing costs. Recent data shows significant declines in various Mortgage Average Rates, particularly a drop of 6.18 points over the past 60 days for 30-Year Mortgage Rates, reflecting a softer borrowing environment. The largest weekly decrease occurred in the 30-Year Jumbo Average Rates, falling by 0.06 points. With current 30-Year FHA Rates at 5.933%, borrowers may find favorable conditions, yet remain cautious about future fluctuations in inflation and interest rates. Monitoring these indicators can aid in informed financial decisions regarding mortgage options.
LendMesh
At LendMesh, we believe everyone deserves a mortgage experience that’s transparent, supportive, and tailored to their needs. That’s why we’ve built a platform that does more than just list rates—it empowers you with financial knowledge, trusted lender connections, and honest answers. Whether you’re comparing credit unions or banks, planning your next move, or just starting to think about homeownership, our tools and resources are designed with you in mind. Don’t let uncertainty hold you back—visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans to discover how easy, informative, and rewarding the mortgage process can be.
Conclusion
Even small changes in mortgage rates can ripple through your monthly payments and total interest over decades. If you’re considering buying or refinancing, focus on how these fluctuations affect your long-term budget rather than chasing every tenth of a point. For example, locking in Potlatch No 1 Financial’s 4.625% 15-year fixed loan could save significant interest compared to higher rates elsewhere. Keep an eye on inflation trends and lender updates; steady or falling inflation may hint at stable borrowing costs ahead. Ultimately, aligning your loan term with your financial goals matters most, whether that means choosing a shorter term for faster equity building or sticking with a 30-year FHA product for lower monthly payments. Wise timing paired with clear priorities will help you make the best decision in today’s evolving market.