Best 30-Year Jumbo Mortgage Rates Today - October 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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30-year jumbo mortgage rates range from 5.25% to 7.25%, verified by MonitorBankRates as of October 15, 2026. Today's 30-year jumbo mortgage market includes offers such as Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004A+5.0 ★Texas Ratio: 2.47% offering 30 Year Jumbo Loan at 5.25%, and Educational Employees Credit UnionEducational Employees Credit Union1070 E Teague Ave, Clovis, CA 93230 4938A+5.0 ★Texas Ratio: 0.58% offering 30 Year Fixed Rate Jumbo - Primary Residence at 5.75%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.12% offering Mortgage - 30 Year Jumbo at 6.12%, and Commonwealth Co-operative BankCommonwealth Co-operative Bank1172 River St, Boston, MA 02108A+5.0 ★Texas Ratio: 2.29% offering Mortgage - 30 Year Fixed Jumbo at 6.50%, and Iron Workers SBIron Workers SB100 Ridge Rd, Aston, PA 19014A+5.0 ★Texas Ratio: 0.00% offering 30 Year Fixed Rate Jumbo at 6.25%.
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: October 15, 2026
Compare 30-Year Jumbo Mortgage Rates Today
Owner-occupant 1st mortgage, 20% down, 30-day lock; APR based on $1,200,000 loan
Owner-occupant 1st mortgage, 20% down, 30-day lock; APR based on $1,200,000 loan
No additional details available.
Owner-occupant 1st mortgage, 20% down, 30-day lock; APR based on $1,200,000 loan
As Low As; Origination/Discount Fee: 0.750%; Mortgage Rates as of October 13, 2026
Owner occupied single family; based on 20% downpayment and/or 80% LTV; minimum loan amount $100,000; payments exclude property taxes and insurance; First Time Buyers receive $300 off closing costs
No additional details available.
No additional details available.
Jumbo Rate; 0.50 percentage point promotional discount included; requires FAIRWINDS checking with recurring direct deposit of at least $500 or automatic mortgage payments; based on $832,750 loan, 780 credit score, 80% LTV, 45-day rate lock; last updated 10/13/2026
Rate Lock: 60 Day
No additional details available.
- Oct 2, 20266.88%▲ from 6.63%
- Sep 30, 20266.63%first recorded
Jumbo Loans purchase rate; Rate Details For Purchase Rates Jumbo Loans 30-Year Fixed; rate lock 30 days; assumed credit score 740
20% Down; Max. Loan Amount: See note 2
- Oct 7, 20266.89%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.39%
- Sep 15, 20266.39%first recorded
No additional details available.
No additional details available.
- Oct 14, 20266.90%▲ from 6.88%
- Oct 1, 20266.88%first recorded
Jumbo loan; Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence; Limited-time offer; APR based on 20% down or 80% CLTV, FICO 700+, $1,249,125 loan amount
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
30 Year Fixed Mortgage - FREEDOM 30 OFFER; First time homebuyer special rate with $550 discount on closing costs; 360 monthly payments; P&I per $1,000 Borrowed: $6.66; Rates listed with a 20% down payment; loans with less than 20% down may require PMI and rate is increased by .50%
Jumbo mortgage loan; Interest Rate 6.875%, APR 7.016%, 1.25 points
No additional details available.
- Oct 2, 20267.02%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out
- Oct 10, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Jumbo loan; owner occupied single family primary residence; APR based on $900,000 loan with $4,000 closing costs, Worcester County, 60-day rate lock
$832,750; Fixed Rate Loans; Rates as of 10/13/2026; APR based on 60-day rate lock with 0.875 points, $850,000 loan amount
APR Effective 10/9/2026
- Oct 13, 20267.09%▲ from 6.85%
- Sep 18, 20266.85%first recorded
No additional details available.
Loans $832,751 - $1,249,125
Loan amount: $832,751 - $1,249,125
- Oct 15, 20267.12%▼ from 7.24%
- Oct 9, 20267.24%▲ from 7.12%
- Oct 5, 20267.12%▼ from 7.24%
- Oct 2, 20267.24%▲ from 6.99%
Fixed Rate; Jumbo Mortgages are mortgage loans that exceed $832,750
- Sep 22, 20267.13%▲ from 6.63%
- Sep 18, 20266.63%first recorded
As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
No additional details available.
- Oct 15, 20267.13%▼ from 7.25%
- Oct 8, 20267.25%first recorded
Jumbo mortgage (greater than $832,750); Est. APR based upon a 0% Service Fee
Term: JUMBO 30-Year Fixed Rate; Jumbo loan APR based on $832,751.00 loan amount; loan amount and estimated closing cost fees of $1,500
As Low As; Discount: (0.125%); Rates as of September 16, 2024
- Oct 13, 20267.15%▼ from 7.40%
- Oct 1, 20267.40%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Effective Date: September 30, 2026; Example Loan Amount: $850,000; Example
No additional details available.
- Oct 15, 20267.18%▼ from 7.30%
- Oct 8, 20267.30%first recorded
Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out
- Oct 10, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Rate with 20% down
- Oct 2, 20267.18%▲ from 6.93%
- Sep 24, 20266.93%▲ from 6.67%
- Sep 17, 20266.67%first recorded
Fixed Jumbo mortgage; APR shown as 7.177% APR**; rates assume 60% loan-to-value, purchase of a single-family residence, and FICO over 740; loan-to-value over 80% requires private mortgage insurance
- Oct 13, 20267.18%▲ from 7.05%
- Sep 22, 20267.05%▲ from 6.93%
- Sep 14, 20266.93%first recorded
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
Mortgage Loans; Rates posted for loans in FL
- Oct 15, 20267.22%▼ from 7.48%
- Oct 2, 20267.48%▲ from 7.10%
- Sep 14, 20267.10%first recorded
Jumbo Fixed (A jumbo loan is defined as any above $832,750)
- Oct 9, 20267.25%▲ from 6.38%
- Sep 18, 20266.38%first recorded
Refinance Rates Jumbo Loans 30-Year Fixed; Discount Points -0.125
No additional details available.
- Oct 14, 20267.25%▲ from 7.01%
- Oct 1, 20267.01%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.76%
- Sep 19, 20266.76%first recorded
No additional details available.
Jumbo mortgage; Origination Point: 0.00%
- Oct 14, 20267.26%▼ from 7.28%
- Oct 10, 20267.28%first recorded
Origination Point: 0.00%; Jumbo loan (single-family loan over $832,750); Assumes 75% LTV and minimum 760 credit score
- Oct 14, 20267.26%▼ from 7.28%
- Oct 10, 20267.28%first recorded
Principal & Interest Payment: $6,821.76; Jumbo loan; LTV 75% (25% down payment); loan amount $1,000,000; credit score 780 or higher; owner occupied single family; 60-day lock; minimum loan amount $832,751
- Sep 27, 20267.26%▲ from 7.01%
- Sep 15, 20267.01%first recorded
Purchase rate; Advertised rates effective as of 10/13/2026
Advertised rates effective as of 10/13/2026
Jumbo loan rates apply for loans between $806,501 and $1,500,000; Rate includes 0.125% discount for automatic recurring loan payments from a HIFS checking account, otherwise 0.125% higher
- Oct 14, 20267.26%▲ from 7.01%
- Oct 3, 20267.01%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.75%
- Sep 24, 20266.75%first recorded
30 Year Fixed Mortgage - FREEDOM 30 OFFER; 360 monthly payments; P&I per $1,000 Borrowed: $6.83; Rates listed with a 20% down payment; loans with less than 20% down may require PMI and rate is increased by .50%
Jumbo Terms; 30yr; Payment per $10,000: $68; Discount points may apply to Jumbo thirty year loans
As Low As; Jumbo Fixed Rate
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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 0.133 points over the past 7 days to 7.340%, down from 7.473% 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?
- Aloha Pacific Federal Credit Union: 5.25% (30 Year Jumbo Loan)
- Educational Employees Credit Union: 5.75% (30 Year Fixed Rate Jumbo - Primary Residence)
- 1st Northern California Credit Union: 6.12% (Mortgage - 30 Year Jumbo)
- Commonwealth Co-operative Bank: 6.50% (Mortgage - 30 Year Fixed Jumbo)
- Iron Workers SB: 6.25% (30 Year Fixed Rate Jumbo)
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