Introduction
On July 25, 2026, mortgage rates show a mixed but encouraging picture for homebuyers and investors. Credit Unions like Coast Central offer the lowest adjustable rate at 3.858% for purchase loans, making ARMs attractive for those seeking initial savings. Meanwhile, Zillow’s data highlights a slight uptick in the 30-year fixed jumbo rate to 6.573%, while the 15-year fixed jumbo edged down a bit to 6.324%. The Federal Reserve’s latest figures reveal subtle shifts in inflation expectations and average mortgage rates, with the 30-year fixed average climbing modestly to 6.58%. Here’s what you need to know before locking in a rate, whether you’re buying your first home or refinancing an investment property.
New Purchase - Adjustable
| Lender | Term | 2026-07-25 Current | 2026-07-18 7 Days Ago | 2026-07-10 15 Days Ago | 2026-06-25 30 Days Ago | 2026-06-10 45 Days Ago | 2026-05-26 60 Days Ago | 2026-04-26 90 Days Ago | 2026-01-26 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| COAST CENTRAL CREDIT UNION | 0 yrs 30 yrs | 3.86% | 3.86% | 3.86% | 3.86% | 3.75% | 3.86% | 3.86% | 4.00% |
| EDUCATORS CREDIT UNION | 30 yrs | 5.38% 5.63% | 5.38% 5.63% | 5.38% 5.63% | 5.13% 5.38% 5.88% | 5.25% 5.50% 5.88% 6.00% | 5.50% 5.75% | 5.13% 5.38% 5.75% | 4.88% 5.38% 5.38% 5.50% 5.63% |
| HAWAII STATE FEDERAL CREDIT UNION | 30 yrs 40 yrs | 5.63% 6.00% | 5.63% 5.88% | 5.50% 5.88% | 5.38% 5.75% | N/A | N/A | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
COAST CENTRAL CREDIT UNION
As of July 25, 2026, the Adjustable-Rate Mortgage (ARM) for Purchase loans at Coast Central remains steady at a 3.858% interest rate with zero points. This unchanged rate over the past week and month reflects stable yield spreads in the adjustable loan market segment. For members considering purchase financing via ARMs, this consistency implies predictable cost of borrowing without recent upward pressure on rates.
First-time buyers evaluating adjustable options should note that while current rates are competitive, future adjustments may affect monthly payments; veterans and refinancing applicants currently have no ARM rate data available for comparison. Given the stable environment, members prioritizing payment predictability might explore fixed-rate alternatives elsewhere or within Coast Central’s offerings.
In summary, maintaining a 3.858% rate with no points suggests a balanced opportunity to assess mortgage strategy carefully. Members should consider their risk tolerance and long-term plans when selecting adjustable versus fixed products. For details, visit https://www.coastccu.org/personal/mortgage-loans/.
EDUCATORS CREDIT UNION
On July 25, 2026, the 5/1 Adjustable-Rate Mortgage (ARM) for new purchases remains steady at 5.625%, matching last week’s rate with no change in basis points. Compared to 30 days ago, this represents a decline of 25 basis points, indicating a modest reduction in the cost of borrowing over the past month. For prospective homebuyers opting for an ARM, this stabilization suggests predictable initial payments before potential adjustments. First-time buyers should weigh the benefit of lower starting rates against future yield spread volatility. Given current trends, members may consider fixed-rate alternatives if they prioritize payment certainty or evaluate refinancing opportunities if long-term savings outweigh closing costs. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.
HAWAII STATE FEDERAL CREDIT UNION
As of July 25, 2026, the 30-Year Adjustable Rate Mortgage (ARM) for purchases remains steady at 5.625%, showing no change from last week but up 25 basis points compared to one month ago. Meanwhile, the 40-Year ARM purchase rate increased by 12.5 basis points over the past week to 6.0%, also reflecting a 25 basis point rise since 30 days prior.
These yield spreads suggest a modest increase in the cost of borrowing for longer-term adjustable loans, impacting buyers who prefer extended amortization periods. First-time homebuyers and those prioritizing lower initial payments may find the current ARM rates less favorable than earlier this summer. Members considering adjustable terms should weigh potential rate adjustments against current market trends.
Given these shifts, borrowers might evaluate fixed-rate options if they value payment stability or explore refinancing opportunities when potential savings exceed associated costs. For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage/#rates.
Zillow National Average
As of July 25, 2026, mortgage rates are mixed for jumbo loan products. The 15-Year Fixed Rate Jumbo remains steady at 6.324%, showing no change from yesterday and a slight decline of 2 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo is also unchanged at 6.573%, but it has increased by 5 basis points in the last week and 22 basis points over the past month. These fluctuations indicate that while short-term borrowing costs have stabilized, longer-term rates are experiencing upward pressure, which may affect overall borrowing expenses for potential homeowners. Borrowers should evaluate their options carefully in light of these trends.
Federal Reserve Economic Trends
As of July 25, 2026, the Breakeven Inflation Rate for 10 years stands at 2.260%, indicating stable inflation expectations that can influence mortgage rates and overall borrowing costs. The Mortgage 30Yr Average Rates remain at 6.580%, reflecting a slight increase of 3 bps over the last week and showing a modest decline of 16 bps compared to one year ago. The largest movements were observed in the Mortgage 30Yr Usda Average Rates, which increased by 22 bps over both the past week and month, impacting affordability for borrowers. Given the current economic landscape, it is advisable for potential homeowners to consider locking in lower rates, particularly the lowest recorded rate of 5.960% for the 15-Year Mortgage.
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.
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Conclusion
Even small changes in mortgage rates can reshape your financial outlook over time. Today’s data suggests that if you qualify for an adjustable-rate mortgage like Coast Central’s 3.858% purchase ARM, it could lower your initial monthly payments compared to the national fixed averages near 6.5%. However, buyers should weigh this against future adjustments as inflation and economic signals nudge rates upward. For homeowners considering refinancing, locking in sooner might protect against rising costs, especially with FHA and VA loan averages ticking higher by around 10 basis points recently. Remember, just a quarter-point difference on a $300,000 loan can add or save hundreds each month and thousands over the life of your mortgage. Stay informed and work closely with your lender to find the right fit based on your goals and risk tolerance.