Best 30-Year Jumbo Mortgage Rates Today - August 2026 | As Low As 5.70%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 30-year jumbo mortgage market includes offers such as Coast Central Credit UnionCoast Central Credit Union12700 Highway 96, Arcata, CA 95501A+5.0 ★Texas Ratio: 1.11% offering Jumbo Real Estate Loan at 5.70%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.24% offering Mortgage Rates - 30 Year Jumbo at 5.88%, and Iron Workers SBIron Workers SB100 Ridge Rd, Aston, PA 19014A+5.0 ★Texas Ratio: 0.01% offering 30 Year Fixed Rate Jumbo at 5.75%, and Member One Federal Credit UnionMember One Federal Credit Union105 Oaktree Blvd, Christiansburg, VA 24012A+5.0 ★Texas Ratio: 4.86% offering 30yr Jumbo Fixed Rate Mortgage at 6.00%, and Virginia Credit UnionVirginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974A5.0 ★Texas Ratio: 6.07% offering 30yr Jumbo Fixed Rate Mortgage at 6.00%.
A 30-year jumbo mortgage is a home loan that exceeds the conforming loan limits set by the FHFA — in most U.S. counties that means loans above $766,550. Jumbo loans typically require stronger credit, larger down payments, and more detailed documentation, but provide the financing needed for higher-priced properties with the predictability of a fixed 30-year term. Comparing rates across multiple lenders is critical on jumbo loans because even a 0.25% rate difference on a $1,000,000 loan saves over $50,000 in total interest. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a financially stable lender with confidence.
30-Year Jumbo Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
Compare 30-Year Jumbo Mortgage Rates Today
Jumbo loans are loans exceeding $832,750. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
Rates As Low As; APR* As Low As
Jumbo
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Based on a $1,200,000 Loan Amount with an 80% combined loan-to-value (CLTV), 1% origination fee, and FICO>=740. Estimated payment examples do not include taxes and insurance premiums; actual payment may be greater. Rate and term refinance only. Jumbo mortgage loans are mortgages in excess of $832,750 up to a maximum of $3,000,000 per loan.
Jumbo
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Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
Last updated 08/26/2026
Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
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20% Down; Max. Loan Amount: See note 2
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over $832,750
Based on 20% downpayment and/or 80% LTV, mortgage rates apply to owner occupied single family properties only. Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
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Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don't want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer .
Origination Point: 0.00%
A jumbo loan is defined as any above $832,750
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Rate as low as 6.250%
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As low as
loans greater than $832,750
Rate with 20% down
As Low As
over $832,750
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The information provided is for a 30-year jumbo mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $960,000.00 and an estimated property value of $1,200,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 6.484%. The monthly payment would be: 359 payments of $5,989.15 at an interest rate of 6.375% 1 payment of $5,990.16 at an interest rate of 6.375%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness.
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As Low As
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APR examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For loans less than $275,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
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Payments per thousand do not include taxes and insurance. Your actual monthly payment will be higher.
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As Low As; Estimated Payment: $5,265.13 per month for 30 years
As Low As; Estimated Payment: $5,265.13 per month for 30 years
Loan payments do not include taxes and insurance.
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30-Year Jumbo Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 30-year jumbo rate fell 0.071 points over the past 7 days to 6.689%, down from 6.759% last week.
30-Year Jumbo Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 30-year jumbo mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 30-year jumbo mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 30-Year Jumbo Mortgage Rates
What is a 30-year jumbo mortgage?
Are 30-year jumbo rates higher than conforming rates?
What credit score and qualifications do I need for a 30-year jumbo?
How much down payment is required for a 30-year jumbo?
How does a 30-year jumbo compare to a 15-year jumbo?
What is the difference between a jumbo and a super-jumbo mortgage?
Can I refinance a 30-year jumbo mortgage?
Are 30-year jumbo loans available from credit unions?
What is the difference between interest rate and APR on a 30-year jumbo?
How are 30-year jumbo rates determined?
What are today's best 30-year jumbo mortgage rates?
- Coast Central Credit Union: 5.70% (Jumbo Real Estate Loan)
- 1st Northern California Credit Union: 5.88% (Mortgage Rates - 30 Year Jumbo)
- Iron Workers SB: 5.75% (30 Year Fixed Rate Jumbo)
- Member One Federal Credit Union: 6.00% (30yr Jumbo Fixed Rate Mortgage)
- Virginia Credit Union: 6.00% (30yr Jumbo Fixed Rate Mortgage)
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