Best 5/1 Jumbo ARM Rates October 2026 | As Low As 5.38%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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5/1 jumbo ARM mortgage rates range from 5.38% to 7.00%, verified by MonitorBankRates as of October 15, 2026. Today's 5/1 Jumbo ARM mortgage market includes offers such as South Bay Credit UnionSouth Bay Credit Union1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, CA 90277 2837A+5.0 ★Texas Ratio: 3.71% offering 5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm) at 5.50%, and SunwardSunward1 Liberty Square Cir, Albuquerque, CA 81301 5104A+5.0 ★Texas Ratio: 2.97% offering Jumbo 5/5 1st Loan at 5.50%, and Tropical Financial Credit UnionTropical Financial Credit Union10510 N Kendall Dr, Coral Springs, FL 33025A5.0 ★Texas Ratio: 6.93% offering Jumbo 5/6 ARM (variable rate) at 6.10%, and Randolph Brooks FCURandolph Brooks FCU1 IKEA RBFCU Parkway, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89% offering Jumbo ARM (5/5) at 6.00%, and Firstmark Credit UnionFirstmark Credit Union10610 Potranco Rd, Fredericksburg, TX 78121 4495A+5.0 ★Texas Ratio: 4.40% offering 5/5 Jumbo ARM at 6.38%.
A 5/1 jumbo ARM provides a fixed rate for the first 5 years on a high-balance loan above conforming limits, then adjusts annually. It balances a meaningfully lower initial rate against a 5-year window of rate certainty — ideal for jumbo borrowers with a medium-term ownership plan.
5/1 Jumbo ARM rates reflect the initial fixed-rate period. Jumbo ARM rates will adjust after 5 years based on market conditions. Last Updated and Verified: October 15, 2026
Compare 5/1 Jumbo ARM Rates Today
APR as low as; Home Mortgage Lending Rates; first APR as-low-as column
As Low As; Jumbo loan (over $766,550); Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625%
APR as low as; Home Mortgage Lending Rates; second APR as-low-as column
No additional details available.
No additional details available.
As Low As; Loan amounts greater than $832,750; Estimated Payment per $10,000: $59.96; Adjustable-rate mortgage, fixed initial rate for first 5 years; minimum down payment 5%
- Oct 2, 20266.04%▲ from 5.79%
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
No additional details available.
- Oct 13, 20266.10%▼ from 6.13%
- Sep 29, 20266.13%▲ from 5.88%
- Sep 22, 20265.88%▲ from 5.68%
- Sep 14, 20265.68%first recorded
Adjustable-rate mortgage; Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.15%▲ from 6.02%
- Oct 1, 20266.02%▼ from 6.27%
- Sep 27, 20266.27%first recorded
Effective Date: October 9, 2026; Payment: $3,639.81; 1st Adj Rate: 6.625%; 1st Adj Payment: $4,098.17; APR based on $650,000 Jumbo loan
As Low As; Jumbo loan (over $766,550); Loan-to-value over 80%; Rate fixed for first 5 years; Current Calculation of Rate Remaining Term: 6.625%
Adjustable-rate mortgage; Margin: 2.375%; Caps: 2/2/5
- Oct 10, 20266.27%▲ from 6.15%
- Oct 1, 20266.15%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Loan amount: $832,751 to $2,000,000; Fully Indexed Rate: 6.500%
- Oct 2, 20266.40%▲ from 6.30%
- Sep 24, 20266.30%▲ from 6.12%
- Sep 17, 20266.12%first recorded
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
ARM Loans; Effective October 1, 2026
Jumbo ARM
- Oct 13, 20266.60%▲ from 6.45%
- Sep 14, 20266.45%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.62%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20266.62%▲ from 6.50%
- Oct 7, 20266.50%▲ from 6.32%
- Sep 18, 20266.32%first recorded
No additional details available.
- Oct 15, 20266.65%▲ from 6.56%
- Oct 2, 20266.56%▲ from 6.51%
- Sep 25, 20266.51%first recorded
No additional details available.
- Oct 14, 20266.68%▲ from 6.13%
- Sep 18, 20266.13%▲ from 6.04%
- Sep 14, 20266.04%first recorded
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate
No additional details available.
- Oct 14, 20266.78%▲ from 6.23%
- Sep 18, 20266.23%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Jumbo ARM; Rates subject to change once every 5 years based on the 5-Year CMT index
- Oct 13, 20266.79%▲ from 6.65%
- Sep 14, 20266.65%first recorded
First Mortgages - Jumbo Loans; Adjustable rate; may increase after initial fixed period
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.82%▲ from 6.32%
- Sep 14, 20266.32%first recorded
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (5/6 ARM)
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
Jumbo mortgage adjustable rate mortgage; 65% LTV, credit score 740, 15 days prepaid interest, 60-day lock; rates shown for New York only
Caps caps 2/2/6; repayment schedule based on 30 years
- Oct 14, 20266.83%▲ from 6.76%
- Oct 1, 20266.76%first recorded
As Low As
- Oct 15, 20266.85%▲ from 6.80%
- Oct 13, 20266.80%first recorded
Caps: 2% initial, 1% every six months, 5% lifetime
- Oct 14, 20266.89%▲ from 6.81%
- Oct 7, 20266.81%first recorded
Caps: 2% initial, 1% every six months, 5% lifetime
- Oct 14, 20266.89%▲ from 6.82%
- Oct 7, 20266.82%first recorded
No additional details available.
- Oct 12, 20266.96%▼ from 6.99%
- Oct 8, 20266.99%▲ from 6.83%
- Oct 4, 20266.83%▼ from 6.85%
- Oct 2, 20266.85%▲ from 6.77%
No additional details available.
- Oct 8, 20267.00%▲ from 6.83%
- Oct 4, 20266.83%▼ from 6.85%
- Oct 2, 20266.85%▲ from 6.77%
- Sep 25, 20266.77%▲ from 6.63%
No additional details available.
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes .50% Full Direct Deposit discount
- Oct 9, 20267.21%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Rates as of 10/13/2026; Loan amounts greater than $832,750
Section: Adjustable Rate Mortgage (ARM) (As low as Rates)
Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; As of 10/15/2026
- Sep 24, 20267.25%▲ from 6.89%
- Sep 14, 20266.89%first recorded
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes .50% Full Direct Deposit discount
- Oct 9, 20267.25%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Jumbo Loan Rates; Prepaid Fin. Charge: $4,481.25; $/1000: $6.24; Assumptions: Loan Amount $600,000, 60% LTV, Minimum FICO 720
Section: Adjustable Rate Mortgage (ARM) (As low as Rates)
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5/1 Jumbo ARM 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 5/1 Jumbo ARM rate rose 0.353 points over the past 7 days to 6.934%, up from 6.581% last week.
Jumbo ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 5/1 jumbo ARM rate on this page is sourced directly from the official website of the lending institution. Jumbo ARM rates reflect the initial fixed-rate period and are verified and updated daily.
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 5/1 Jumbo ARM rates can shift multiple times per week in response to economic conditions 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 5/1 Jumbo ARM Rates
What is a 5/1 Jumbo ARM?
What qualifies as a jumbo loan?
How does the rate adjustment work after the 5-year fixed period?
What are rate caps on a 5/1 Jumbo ARM?
Who is a 5/1 Jumbo ARM best suited for?
What are the typical borrower requirements for a jumbo ARM?
How does a 5/1 Jumbo ARM compare to a 30-year fixed jumbo mortgage?
What is the difference between interest rate and APR on a jumbo ARM?
How are 5/1 Jumbo ARM rates determined?
What are today's best 5/1 Jumbo ARM rates?
- South Bay Credit Union: 5.50% (5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm))
- Sunward: 5.50% (Jumbo 5/5 1st Loan)
- Tropical Financial Credit Union: 6.10% (Jumbo 5/6 ARM (variable rate))
- Randolph Brooks FCU: 6.00% (Jumbo ARM (5/5))
- Firstmark Credit Union: 6.38% (5/5 Jumbo ARM)
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