Best 30-Year Jumbo Mortgage Rates Today - May 2026 | As Low As 5.00%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of lenders. Our editorial content is independent of any advertiser relationships.
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: 3.22% offering 30 Year Jumbo at 5.00%, and Harleysville BankHarleysville Bank1550 Hatfield Valley Rd, Harleysville, PA 18084A+5.0 ★Texas Ratio: 3.02% offering 30 Yr. Fixed Jumbo Mortgages or higher) at 5.50%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.24% offering 30 Year Jumbo at 5.62%, and First Savings Bank of HegewischFirst Savings Bank of Hegewisch10249 Indianapolis Blvd, Calumet City, IL 46307A+5.0 ★Texas Ratio: 0.21% offering Jumbo Single Family Mortgages (Loans - Purchases at 5.75%, and East Cambridge Savings BankEast Cambridge Savings Bank105 Broadway, Arlington, MA 01801A+5.0 ★Texas Ratio: 1.72% offering 30-Year Fixed Rate Jumbo Loan at 5.75%.
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 nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: May 22, 2026
Compare 30-Year Jumbo Mortgage Rates Today
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.00%
5.21%
▼
Rate5.00%
APR5.21%
Points2.000
UpdatedMay 17, 2026
Address1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
Details
No additional details available.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points1.000
UpdatedMay 17, 2026
Address1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
Details
No additional details available.
Harleysville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1550 Hatfield Valley Rd, Harleysville, PA 18084
30 Yr. Fixed Jumbo Mortgages or higher)
5.50%
5.51%
▼
Rate5.50%
APR5.51%
Points0.000
UpdatedMay 17, 2026
Address1550 Hatfield Valley Rd, Harleysville, PA 18084
Details
$832,751; Rate Lock: 60 days
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA 94510 3579
30 Year Jumbo
5.62%
5.71%
▼
Rate5.62%
APR5.71%
Points0.750
UpdatedMay 20, 2026
Address1111 Pine St, Benicia, CA 94510 3579
Details
As Low As
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Purchases
30 Years
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMay 17, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Refinances
30 Years
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMay 17, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Refinances 30 Years
30 Years
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMay 17, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
East Cambridge Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
105 Broadway, Arlington, MA 01801
30-Year Fixed Rate Jumbo Loan
30
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMay 21, 2026
Address105 Broadway, Arlington, MA 01801
Details
No additional details available.
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
10249 Indianapolis Blvd, Calumet City, IL 46307
Jumbo Single Family Mortgages (Loans - Purchases
30 Years
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMay 17, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1 Humphrey St, Beverly, MA 01915
Jumbo Fixed Rate Mortgage
30
5.75%
5.99%
▼
Rate5.75%
APR5.99%
Points0.000
UpdatedMay 17, 2026
Address1 Humphrey St, Beverly, MA 01915
Details
w/ Automatic Deduction
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1278 Rocky Point Dr, Barstow, CA 92004
30 Year Fixed Jumbo
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMay 20, 2026
Address1278 Rocky Point Dr, Barstow, CA 92004
Details
As Low As; Learn more
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1005 South St, Norfolk, MA 02056
30 Year Fixed (Jumbo)
30
5.99%
6.06%
▼
Rate5.99%
APR6.06%
Points0.000
UpdatedMay 17, 2026
Address1005 South St, Norfolk, MA 02056
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
5.75%
6.08%
▼
Rate5.75%
APR6.08%
Points2.000
UpdatedMay 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
10610 Potranco Rd, Fredericksburg, TX 78121 4495
Jumbo 30yr
30yr
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMay 18, 2026
Address10610 Potranco Rd, Fredericksburg, TX 78121 4495
Details
No additional details available.
Marblehead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1 Humphrey St, Beverly, MA 01915
Jumbo Fixed Rate Mortgage
30
5.88%
6.11%
▼
Rate5.88%
APR6.11%
Points0.000
UpdatedMay 17, 2026
Address1 Humphrey St, Beverly, MA 01915
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedMay 22, 2026
Address105 Oaktree Blvd, Christiansburg, VA 24012
Details
No additional details available.
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
1678 E 17th St, Brooklyn, NJ 08861
First Mortgage - Residential Conforming (non-Jumbo) 30 year fixed (not offered on co-ops)
30
6.12%
▼
Rate
APR6.12%
Points1.000
UpdatedMay 17, 2026
Address1678 E 17th St, Brooklyn, NJ 08861
Details
As Low As; Up to 1.0 points**
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Baxter Pkwy, Aibonito, AR 00610 9807
Jumbo 30 Year Fixed
6.12%
▼
Rate
APR6.12%
Points0.000
UpdatedMay 20, 2026
Address1 Baxter Pkwy, Aibonito, AR 00610 9807
Details
As Low As
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
Jumbo 30 Year Fixed
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMay 20, 2026
Address10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
Details
No additional details available.
Savings Bank Wakefield, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1105 Summer St, Andover, MA 01810
30-Year Fixed Jumbo
30 Years
6.12%
6.14%
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMay 21, 2026
Address1105 Summer St, Andover, MA 01810
Details
See note 2
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
101 Jack St, Allentown, AR 18101
Jumbo 30-year fixed
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMay 22, 2026
Address101 Jack St, Allentown, AR 18101
Details
Advertised rates shown based on a 780+ credit score, 25% down payment, and 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month. Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Actual rates and terms may vary.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Honolulu, CA 90732
First Mortgage - Jumbo Fixed Rate - 30 Years
30
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.625
UpdatedMay 18, 2026
Address1134 N Avalon Blvd, Honolulu, CA 90732
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points1.750
UpdatedMay 22, 2026
Address105 Oaktree Blvd, Christiansburg, VA 24012
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
6.00%
6.22%
▼
Rate6.00%
APR6.22%
Points0.750
UpdatedMay 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
30 Year Fixed Rate Jumbo
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMay 18, 2026
Address10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
101 W Division St, Algonquin, IL 48072
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points1.000
UpdatedMay 17, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
1121 S University Ave, Ann Arbor, MI 48103
Jumbo Mortgage
30 year
6.25%
▼
Rate
APR6.25%
Points0.000
UpdatedMay 18, 2026
Address1121 S University Ave, Ann Arbor, MI 48103
Details
Fixed Rate
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1 Baxter Pkwy, Aibonito, AR 00610 9807
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMay 20, 2026
Address1 Baxter Pkwy, Aibonito, AR 00610 9807
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, FL 01201
First Mortgage, Jumbo (30 Year)
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedMay 21, 2026
Address1 Johnson Rd, Airmont, FL 01201
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3201 California St, San Francisco, CA 94114 3704
Jumbo Fixed 30 Year
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMay 20, 2026
Address3201 California St, San Francisco, CA 94114 3704
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points-0.250
UpdatedMay 22, 2026
Address105 Oaktree Blvd, Christiansburg, VA 24012
Details
No additional details available.
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1200 Central Ave, Bristol, MA 02760
Jumbo Fixed Rate 30 yr
6.25%
6.27%
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedMay 20, 2026
Address1200 Central Ave, Bristol, MA 02760
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.125
UpdatedMay 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1226 College Walk, Aiea, HI 96701
30-Year Jumbo Mortgage
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.125
UpdatedMay 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
30-year Fixed Rate Jumbo
6.00%
6.29%
▼
Rate6.00%
APR6.29%
Points2.000
UpdatedMay 17, 2026
Address12 HERBERT ST, Alexandria, VA 22305
Details
No additional details available.
Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
10725 Magnolia Ave, Banning, CA 91752
30 Year - Jumbo Fixed
30
6.00%
6.29%
▼
Rate6.00%
APR6.29%
Points0.000
UpdatedMay 18, 2026
Address10725 Magnolia Ave, Banning, CA 91752
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10161 W Grand Parkway, Cypress, TX 77040 6229
Cash Out Refinances Jumbo 30 Year
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMay 20, 2026
Address10161 W Grand Parkway, Cypress, TX 77040 6229
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
10161 W Grand Parkway, Cypress, TX 77040 6229
Jumbo 30 Year
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMay 20, 2026
Address10161 W Grand Parkway, Cypress, TX 77040 6229
Details
No additional details available.
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
105 Oaktree Blvd, Christiansburg, VA 24012
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.625
UpdatedMay 22, 2026
Address105 Oaktree Blvd, Christiansburg, VA 24012
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
30-year Fixed Rate Jumbo
6.12%
6.37%
▼
Rate6.12%
APR6.37%
Points1.500
UpdatedMay 17, 2026
Address12 HERBERT ST, Alexandria, VA 22305
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
30 Year Fixed-Rate Mortgages: Jumbo
30
6.25%
6.38%
▼
Rate6.25%
APR6.38%
Points1.000
UpdatedMay 17, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
Loan Amounts: See Below2
Hingham Institution for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1061 Thomas Jefferson St Nw, Boston, DC 02025
30 YR Jumbo Loan
360
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMay 21, 2026
Address1061 Thomas Jefferson St Nw, Boston, DC 02025
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
1134 N Avalon Blvd, Honolulu, CA 90732
First Mortgage - Jumbo Fixed Rate - 30 Years
30
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedMay 18, 2026
Address1134 N Avalon Blvd, Honolulu, CA 90732
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
10169 S Parker Rd, Arvada, CO 80003
Jumbo 30-Year Fixed - Purchase
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points-0.250
UpdatedMay 20, 2026
Address10169 S Parker Rd, Arvada, CO 80003
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
101 W Division St, Algonquin, IL 48072
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMay 17, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 111, Allen, AK 28226
30 Yr Fixed Jumbo
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points1.100
UpdatedMay 20, 2026
Address10000 N Central Expy Ste 111, Allen, AK 28226
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Jumbo Mortgages
30
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMay 20, 2026
Address1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Details
As Low As
WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA 15090
30 Yr Jumbo Loan
30
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMay 21, 2026
Address100 Norman Dr, Cranberry Township, PA 15090
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
30 Year Fixed-Rate Mortgages: Jumbo
30 Year
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points1.000
UpdatedMay 17, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
Loan Amounts: See Below
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
109 Review Way, Alameda, CA 94501
Jumbo Loans to $2,000,000 30 Year Fixed
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMay 18, 2026
Address109 Review Way, Alameda, CA 94501
Details
$1,249,126
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
110 Newbury St, Amesbury, MA 01701
Jumbo 30
6.38%
6.42%
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMay 20, 2026
Address110 Newbury St, Amesbury, MA 01701
Details
No additional details available.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX 76548 1745
30-Year Jumbo Fixed
6.38%
6.43%
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedMay 22, 2026
Address1000 S Mays St, Austin, TX 76548 1745
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1000 S Mays St, Austin, TX 76548 1745
30-Year Jumbo Fixed Refinance
6.38%
6.43%
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedMay 22, 2026
Address1000 S Mays St, Austin, TX 76548 1745
Details
As Low As
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
30-year Fixed Rate Jumbo
6.25%
6.44%
▼
Rate6.25%
APR6.44%
Points1.000
UpdatedMay 17, 2026
Address12 HERBERT ST, Alexandria, VA 22305
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1100 NE Weidler St, Albany, OR 97005
30 year jumbo fixed rate
30 year
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.500
UpdatedMay 18, 2026
Address1100 NE Weidler St, Albany, OR 97005
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
30 Year Jumbo
30 Year
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.875
UpdatedMay 20, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1800 Barrs St, Hammond, FL 32202
Jumbo 30 year fixed
6.38%
6.50%
▼
Rate6.38%
APR6.50%
Points0.500
UpdatedMay 20, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As; Rates
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1015 WARNER AVE, Athol, ID 83501
Fixed Rate 30 Year Jumbo Loan
6.50%
▼
Rate
APR6.50%
Points0.000
UpdatedMay 20, 2026
Address1015 WARNER AVE, Athol, ID 83501
Details
As Low As
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
4855 Seminole Dr, Milwaukie, CA 92115 4241
30-Year Fixed Jumbo Mortgage
30-Year
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMay 17, 2026
Address4855 Seminole Dr, Milwaukie, CA 92115 4241
Details
No additional details available.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX 75002
Jumbo Fixed Rate
30 years
6.12%
6.52%
▼
Rate6.12%
APR6.52%
Points0.000
UpdatedMay 22, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details
As Low As
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
TRIM: The Rate Improver Mortgage Jumbo/Non-Conforming 30-Year Fixed Rate
Jumbo/Non-Conforming 30-Year Fixed Rate
6.50%
6.52%
▼
Rate6.50%
APR6.52%
Points0.000
UpdatedMay 17, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
30-year Fixed Rate Jumbo
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.500
UpdatedMay 17, 2026
Address12 HERBERT ST, Alexandria, VA 22305
Details
No additional details available.
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
10 Western Ave, Berwick, ME 03801
Jumbo 30 Year Fixed Rate
6.50%
6.53%
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMay 21, 2026
Address10 Western Ave, Berwick, ME 03801
Details
No additional details available.
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
10202 Washington Blvd, Burbank, CA 90038 3989
30 YEAR FIXED JUMBO
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedMay 20, 2026
Address10202 Washington Blvd, Burbank, CA 90038 3989
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
School Employee Special No PMI Fixed-Rate Mortgage: Jumbo 30 Year
30 Year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points1.000
UpdatedMay 17, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
No additional details available.
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
30 Year Fixed-Rate Mortgages: Jumbo
30
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedMay 17, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
Loan Amounts: See Below2
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1002 Park Ave N, Auburn, SC 29418
Jumbo 30 Year Fixed Rate
6.54%
▼
Rate
APR6.54%
Points0.000
UpdatedMay 18, 2026
Address1002 Park Ave N, Auburn, SC 29418
Details
Jumbo 30-Year Fixed
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX 75002
Jumbo Fixed Rate
30 years
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedMay 22, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
100 Northpark Blvd # B1302A, Bakersfield, CA 20190 5919
30-Year Jumbo Fixed
30
6.50%
6.55%
▼
Rate6.50%
APR6.55%
Points0.000
UpdatedMay 17, 2026
Address100 Northpark Blvd # B1302A, Bakersfield, CA 20190 5919
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1 Seahawk Dr, Aberdeen, MD 21001 1733
Jumbo 30 Year Fixed
30
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedMay 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
30 Yr Fixed - Jumbo
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedMay 18, 2026
Address14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
30-Year Jumbo Fixed-Rate
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedMay 17, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
As Low As; starting at
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1811 El Camino Real, Burlingame, CA 94010
Jumbo 30 Year Fixed Rate
6.49%
6.56%
▼
Rate6.49%
APR6.56%
Points0.000
UpdatedMay 17, 2026
Address1811 El Camino Real, Burlingame, CA 94010
Details
No additional details available.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Allen, TX 75002
Jumbo One-Time Close Construction Loan
30 years
6.50%
6.57%
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedMay 22, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1010 Riley St Ste 5, Anaheim, CA 90045
30 Year Fixed-Rate Mortgages: Jumbo
30 Year
6.50%
6.57%
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedMay 17, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
Loan Amounts: See Below
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
30 Year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points2.000
UpdatedMay 17, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
30-year Fixed Rate Jumbo
6.50%
6.60%
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedMay 17, 2026
Address12 HERBERT ST, Alexandria, VA 22305
Details
No additional details available.
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The 30-year jumbo mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Jumbo loan qualification requirements vary by lender. Your final approved rate will depend on your credit history, credit score, loan-to-value ratio, and loan amount. Rates are subject to change without notice.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
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30-Year Jumbo Mortgage Rate Trend
Daily national average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
30-Year Jumbo — National Avg
6.531%
▲ 0.081% from last week
The 30-year jumbo rate rose 0.081 points over the past 7 days to 6.531%, up from 6.450% last week.
Quick Reference — May 2026
Est. payment ($800k loan): $5,073/mo
Loan type: Fixed-rate, 30-year jumbo
Best for: High-value homes above conforming limits
Data source: mortgage rate averages compiled from our database of 8,500+ banks and credit unions
As of May 22, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
Powered by
MonitorBankRates
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 national survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Nationwide 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 national online lenders. This breadth ensures you see competitive rates that many national 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?
A 30-year jumbo mortgage is a fixed-rate home loan that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA) — $766,550 in most U.S. counties for 2024, with higher limits in designated high-cost areas up to $1,149,825. Because these loans exceed the limits for purchase by Fannie Mae or Freddie Mac, lenders hold them on their own balance sheets and typically require stronger borrower qualifications. The 30-year term provides the lowest monthly payment option for high-value home purchases.
Are 30-year jumbo rates higher than conforming rates?
Jumbo rates are often slightly above conforming rates, though the spread varies considerably. Historically the gap has ranged from 0.10%–0.50%, and in some market conditions well-qualified borrowers have obtained jumbo rates at or below conforming rates — particularly at larger portfolio lenders that actively pursue high-net-worth customers. The spread also tends to compress for borrowers with 20%+ down and scores above 760. Because lenders have more pricing discretion on jumbo loans, the range of rates across lenders is wider than in the conforming market, making comparison shopping especially valuable.
What credit score and qualifications do I need for a 30-year jumbo?
Most jumbo lenders require a minimum credit score of 700–720, with the best rates reserved for borrowers at 740–760 and above. Debt-to-income (DTI) ratios are typically capped at 43%, and lenders scrutinize income documentation more carefully than on conforming loans. Cash reserves are an important factor — most lenders require 12–24 months of total mortgage payments (principal, interest, taxes, insurance) in verifiable liquid assets after closing. Self-employed borrowers should expect to provide two years of tax returns and may face additional income averaging requirements.
How much down payment is required for a 30-year jumbo?
Most jumbo programs require a minimum of 10%–20% down. Some lenders offer 10% down programs for highly qualified borrowers on loans up to $1.5 million, while others require 20% across the board — and 25%–30% for loan amounts above $2 million. A larger down payment typically results in a meaningfully lower rate and eliminates private mortgage insurance requirements. Even on programs that allow 10% down, borrowers with 20%+ equity generally receive better pricing and terms.
How does a 30-year jumbo compare to a 15-year jumbo?
The 30-year jumbo offers the lowest monthly payment by spreading repayment over 360 months, while the 15-year jumbo carries a significantly higher payment but builds equity much faster and saves a substantial amount in total interest. On a $1,000,000 loan, the monthly payment difference between 30-year and 15-year is typically $2,000–$3,000/month, but the 15-year borrower can save $500,000 or more in total interest depending on rate levels. The right choice depends on cash flow flexibility and whether eliminating the mortgage faster aligns with your financial plan.
What is the difference between a jumbo and a super-jumbo mortgage?
While "jumbo" applies to any loan above the conforming limit, "super-jumbo" typically refers to loans above $1.5 million or $2 million, though lenders define the threshold differently. Super-jumbo loans have even stricter qualification requirements — often requiring 25%–30%+ down, higher reserves, and lower DTI ratios. Fewer lenders compete in the super-jumbo space, and rates can vary significantly. Portfolio lenders such as private banks and large credit unions are common sources, and relationship banking often plays a larger role in rate negotiation at these loan sizes.
Can I refinance a 30-year jumbo mortgage?
Yes. Refinancing a jumbo mortgage follows the same general process as conforming loans but with stricter documentation and underwriting requirements. A new appraisal is typically required, along with updated income verification, full asset statements, and re-qualification at current standards. The calculation for whether to refinance is the same: divide the closing costs by the monthly savings to find your break-even month, then compare that to how long you plan to stay. Closing costs on jumbo loans are proportionally higher in dollar terms due to the larger loan balance, which affects break-even timing.
Are 30-year jumbo loans available from credit unions?
Yes. Many credit unions offer competitive 30-year jumbo rates, sometimes at or below bank rates, because they serve member-owners rather than outside shareholders. Credit unions also tend to hold jumbo loans in portfolio rather than selling them, which can give them more flexibility on underwriting and pricing for well-qualified members. Our rate table above includes 30-year jumbo rates from both banks and credit unions nationwide, with institution safety ratings so you can evaluate financial health alongside the rate.
What is the difference between interest rate and APR on a 30-year jumbo?
The interest rate is the annual cost of borrowing the principal. The APR (Annual Percentage Rate) incorporates the interest rate plus lender origination fees, points, and certain closing costs, expressed as a single annualized figure. On large jumbo loan balances, even small fee differences have an outsized impact on APR, making it an important comparison tool. When evaluating jumbo lenders, compare both the rate and APR across quotes obtained on the same day, since market rates can shift between quote dates.
How are 30-year jumbo rates determined?
Jumbo rates are influenced by the same macroeconomic forces as conforming rates — primarily 10-year U.S. Treasury yields, Federal Reserve policy, and broader credit market conditions. However, because jumbo loans are held on lender balance sheets rather than sold to Fannie Mae or Freddie Mac, each lender prices based on its own funding costs, portfolio risk appetite, and competitive positioning. This is why jumbo rates can vary more across lenders than conforming rates, and why shopping multiple institutions — including banks, credit unions, and portfolio lenders — is especially valuable on large loan amounts.
What are today's best 30-year jumbo mortgage rates?
- Aloha Pacific Federal Credit Union: 5.00% (30 Year Jumbo)
- Harleysville Bank: 5.50% (30 Yr. Fixed Jumbo Mortgages or higher))
- 1st Northern California Credit Union: 5.62% (30 Year Jumbo)
- First Savings Bank of Hegewisch: 5.75% (Jumbo Single Family Mortgages (Loans - Purchases)
- East Cambridge Savings Bank: 5.75% (30-Year Fixed Rate Jumbo Loan)
30-Year Jumbo rates reflect actual verified offers from lenders actively lending to borrowers nationally. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated: May 22, 2026
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