Jumbo Mortgage Rates are Still Low Heading into 2016

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Average 30 year jumbo mortgage rates had the largest weekly increase so far in 2015. 30 year jumbo rates averaged  4.67 percent, up 27 basis points from last week's average rate of 4.40 percent. Despite the large increase this week, there are still many lenders quoting 30 year jumbo rates below 4.00 percent.

On our rate table for the state of California, there are eight lenders quoting 30 year jumbo refinance rates below 4.00 percent. The lowest rate with points is at 3.50 percent from Carlyle Financial and erates mortgage. The lowest rate without points is at 3.75 percent from Star One Credit Union.

15 year jumbo mortgage rates today are currently averaging 4.21 percent, up from last week's average 15 year jumbo rate of 4.13 percent. We also have many lenders quoting 15 year jumbo refinance rates well below the average 15 year rate. The lowest 15 year rate on our rate table today is at 3.125 percent with no points from Star One Credit Union.

As with any credit union, you'll have to join Star One to apply for a mortgage. If you're not interested in joining, you can still get an incredibly low rate on our rate table. Amalgamated Bank is quoting 15 year jumbo rates at 3.125 percent with no points.

If you want to get an even lower rate, we have lenders quoting adjustable rates for 7 year, 5 year, and 3 year jumbo ARMs. The lowest 7 year jumbo adjustable rate available in our database is at 2.875 percent with 1.10 points. The lowest 5 year jumbo adjustable rate is at 2.625 percent with 1.10 points. The lowest 3 year jumbo adjustable rate is at 1.99 percent with zero points.

Feel free to search for the lowest mortgage rates in your state by searching our mortgage rate database at MonitorBankRates.com.




Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 23223, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.974
4.875
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $3,073
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.608
4.500
USD
Northpointe Bank Logo
NMLS # 447490
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,469
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.596
4.470
USD
Sol Mortgage Logo
NMLS # 53112
at 0.100 pts
30 day lock rate
Est payment: $1,514.71
Fees in APR: $4,076
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.291
5.125
USD
HSBC Bank Logo
NMLS # 399799
at 0.100 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $5,234
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.702
4.625
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,363
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.575
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,672
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.596
4.500
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,032
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.826
4.725
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,560.42
Fees in APR: $3,172
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.677
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $3,467
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.881
4.750
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,503
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.951
4.875
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $2,313
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.781
4.750
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MC-1532
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,082
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.778
4.750
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $975
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.140
5.125
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $491
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Commonwealth Mortgage, LLC
Commonwealth Mortgage, LLC
https://www.brimg.net/system/img/inst/5071_logo.gif
300000
Refinance
4.820
4.820
USD
Commonwealth Mortgage, LLC Logo
NMLS # 1023
State Lic # MC-5814
(877) 330-6018
at 0.000 pts
30 day lock rate
Est payment: $1,577.62
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.750
4.750
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.671
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,595
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.712
4.710
USD
Sol Mortgage Logo
NMLS # 53112
at 0.000 pts
30 day lock rate
Est payment: $1,557.72
Fees in APR: $55
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.391
5.375
USD
HSBC Bank Logo
NMLS # 399799
at 0.000 pts
30 day lock rate
Est payment: $1,679.91
Fees in APR: $531
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
300000
Refinance
4.750
4.750
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.125
5.125
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.750
4.750
USD
LoanLock Logo
NMLS # 237507
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.875
4.875
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MC-1875
(877) 210-3816
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.649
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,178
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Northpointe Bank
Northpointe Bank
https://www.brimg.net/system/img/inst/10077_logo.gif
300000
Refinance
4.750
4.750
USD
Northpointe Bank Logo
NMLS # 447490
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.667
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $8,355
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.524
4.375
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 1.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,922
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.798
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,665
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.158
4.875
USD
HSBC Bank Logo
NMLS # 399799
at 1.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $6,190
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.690
4.500
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,282
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.576
4.460
USD
Sol Mortgage Logo
NMLS # 53112
at 1.100 pts
30 day lock rate
Est payment: $1,512.93
Fees in APR: $751
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MC-1825
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,866
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
300000
Refinance
5.048
4.990
USD
Bank of Oak Ridge
5.048%
10/18/2018
4.990%
at 0.375 pts
60 day lock rate
Est payment: $1,608.63
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.907
4.875
USD
LincolnWay Community Bank
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Northwest Federal Credit Union
Northwest Federal Credit Union
300000
Refinance
5.046
5.000
USD
Northwest Federal Credit Union
5.046%
10/18/2018
5.000%
at 0.500 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $79
 
 
30 yr fixed mtg refi Mortgage Loan from State Department Federal Credit Union
State Department Federal Credit Union
300000
Refinance
4.683
4.625
USD
State Department Federal Credit Union
4.683%
10/15/2018
4.625%
at 0.000 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $2,000
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.163
5.125
USD
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
5.184
5.125
USD
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Virginia Credit Union
Virginia Credit Union
300000
Refinance
5.049
5.000
USD
Virginia Credit Union
5.049%
10/16/2018
5.000%
at 0.000 pts
45 day lock rate
Est payment: $1,610.46
Fees in APR: $1,650
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.865
4.750
USD
Bank of America
4.865%
10/17/2018
4.750%
at 0.881 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $1,289
 
 
30 yr fixed mtg refi Mortgage Loan from Langley FCU
Langley FCU
300000
Refinance
5.140
5.125
USD
Langley FCU
5.140%
10/12/2018
5.125%
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $495
 
 
30 yr fixed mtg refi Mortgage Loan from Fulton Bank, NA
Fulton Bank, NA
300000
Refinance
5.085
5.000
USD
Fulton Bank, NA
5.085%
10/16/2018
5.000%
at 0.625 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,007
 
 
30 yr fixed mtg refi Mortgage Loan from Apple Federal Credit Union
Apple Federal Credit Union
300000
Refinance
5.099
5.000
USD
Apple Federal Credit Union
5.099%
10/17/2018
5.000%
at 1.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $352
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.811
4.750
USD
TD Bank, NA
4.811%
10/19/2018
4.750%
at 0.375 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $982
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.064
5.000
USD
Citizens Bank, NA
5.064%
10/19/2018
5.000%
at 0.250 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $1,408
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





 
Author: Brian McKay
January 1st, 2016