Best 30-Year Jumbo Mortgage Rates Today - April 2026 | As Low As 5.00%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
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: 3.29% offering 30 Year Jumbo at 5.00%, and HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Aiea, HI 96701A+5.0 ★Texas Ratio: 2.50% offering 30 Year Jumbo Fixed Rate at 5.25%, 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 San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA 94114 3704A+5.0 ★Texas Ratio: 4.90% offering Jumbo Fixed 30 Year 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%.
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: April 27, 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: 3.29%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.00%
5.21%
▼
Rate5.00%
APR5.21%
Points2.000
UpdatedApr 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: 3.29%
1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
30 Year Jumbo
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points1.000
UpdatedApr 17, 2026
Address1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points2.375
UpdatedApr 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
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
UpdatedApr 19, 2026
Address1111 Pine St, Benicia, CA 94510 3579
Details
As Low As
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30
5.50%
5.75%
▼
Rate5.50%
APR5.75%
Points1.125
UpdatedApr 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94114 3704
Jumbo Fixed 30 Year
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points1.000
UpdatedApr 19, 2026
Address3201 California St, San Francisco, CA 94114 3704
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%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedApr 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
UpdatedApr 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
UpdatedApr 17, 2026
Address10249 Indianapolis Blvd, Calumet City, IL 46307
Details
$832,750+
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30 Year Jumbo Fixed Rate
30
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.125
UpdatedApr 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Aiea, HI 96701
30-Year Jumbo Mortgage
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.125
UpdatedApr 17, 2026
Address1226 College Walk, Aiea, HI 96701
Details
No additional details available.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
10150 W Desert River Blvd, Avondale, AZ 85008 2442
30 Year Jumbo
30 Year
5.88%
5.96%
▼
Rate5.88%
APR5.96%
Points0.625
UpdatedApr 19, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
10610 Potranco Rd, Fredericksburg, TX 78121 4495
Jumbo 30yr
30yr
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedApr 19, 2026
Address10610 Potranco Rd, Fredericksburg, TX 78121 4495
Details
No additional details available.
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
10202 Washington Blvd, Burbank, CA 90038 3989
30 YEAR FIXED JUMBO
6.00%
6.04%
▼
Rate6.00%
APR6.04%
Points0.000
UpdatedApr 19, 2026
Address10202 Washington Blvd, Burbank, CA 90038 3989
Details
No additional details available.
Penn Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1051 S West End Blvd, Allentown, PA 18017
Jumbo-Fixed Rate Mortgages
30 Years
6.00%
6.04%
▼
Rate6.00%
APR6.04%
Points0.000
UpdatedApr 17, 2026
Address1051 S West End Blvd, Allentown, PA 18017
Details
Rate Lock: 60 Day
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Jumbo 30 Year Fixed
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.500
UpdatedApr 17, 2026
Address1630 King St, Alexandria, DC 20319 0001
Details
No additional details available.
Wrentham Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1005 South St, Norfolk, MA 02056
30 Year Fixed (Jumbo)
5.99%
6.06%
▼
Rate5.99%
APR6.06%
Points0.000
UpdatedApr 17, 2026
Address1005 South St, Norfolk, MA 02056
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD 21001 1733
Jumbo 30 Year Fixed
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.250
UpdatedApr 17, 2026
Address1 Seahawk Dr, Aberdeen, MD 21001 1733
Details
No additional details available.
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1100 NE Weidler St, Albany, OR 97005
30 year jumbo fixed rate
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.500
UpdatedApr 19, 2026
Address1100 NE Weidler St, Albany, OR 97005
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
10000 N Central Expy Ste 111, Allen, AK 28226
30 Yr Fixed Jumbo
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.650
UpdatedApr 19, 2026
Address10000 N Central Expy Ste 111, Allen, AK 28226
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Refi Jumbo 30 Year Fixed Rate
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedApr 19, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
No additional details available.
Cabrillo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
Jumbo 30 Year Fixed
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedApr 19, 2026
Address10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1060 S Watson Rd, Apache Junction, AZ 85004
Mortgage Purchase Jumbo 30 Year Fixed Rate
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedApr 19, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
No additional details available.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
1630 King St, Alexandria, DC 20319 0001
Jumbo 30 Year Fixed
6.12%
6.12%
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedApr 17, 2026
Address1630 King St, Alexandria, DC 20319 0001
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Baxter Pkwy, Aibonito, AR 00610 9807
Jumbo 30 Year Fixed
30
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points1.000
UpdatedApr 19, 2026
Address1 Baxter Pkwy, Aibonito, AR 00610 9807
Details
As Low As
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
UpdatedApr 24, 2026
Address1105 Summer St, Andover, MA 01810
Details
No additional details available.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
101 Tillson Avenue Ext, Albany, NY 10509
30-Year Fixed Jumbo
6.12%
6.14%
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedApr 19, 2026
Address101 Tillson Avenue Ext, Albany, NY 10509
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year Jumbo
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points1.125
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Jumbo Mortgages
30
6.12%
6.15%
▼
Rate6.12%
APR6.15%
Points0.000
UpdatedApr 19, 2026
Address1 UNF Dr Bldg 1402, Callahan, FL 32003 6333
Details
As Low As
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1 Mount Baldy Dr, Aurora, CO 80011 7809
Jumbo 30-Year Fixed
6.12%
6.16%
▼
Rate6.12%
APR6.16%
Points0.000
UpdatedApr 19, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
No additional details available.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084
30-Year Fixed Jumbo First Lien Mortgage Loans
6.12%
6.17%
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedApr 19, 2026
Address100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
30-Year Jumbo Fixed-Rate
6.12%
6.18%
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 27, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
Details
starting at
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
1811 El Camino Real, Burlingame, CA 94010
Jumbo 30 Year Fixed Rate
30 Years
6.12%
6.18%
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 27, 2026
Address1811 El Camino Real, Burlingame, CA 94010
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
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
UpdatedApr 18, 2026
Address1134 N Avalon Blvd, Honolulu, CA 90732
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year Jumbo
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.500
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points1.750
UpdatedApr 19, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details
No additional details available.
Citizens Equity First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
100 Legion Rd, Bloomington, CA 61520
30 Year - Fixed Rate Jumbo Mortgages
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.000
UpdatedApr 19, 2026
Address100 Legion Rd, Bloomington, CA 61520
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
Jumbo 30 year fixed
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.250
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As; Rates
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, FL 01201
First Mortgage, Jumbo (30 Year)
30 Year
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedApr 24, 2026
Address1 Johnson Rd, Airmont, FL 01201
Details
No additional details available.
Westerra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
10169 S Parker Rd, Arvada, CO 80003
Jumbo 30-Year Fixed - Purchase
6.25%
6.27%
▼
Rate6.25%
APR6.27%
Points-0.250
UpdatedApr 19, 2026
Address10169 S Parker Rd, Arvada, CO 80003
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD 20701
30 Year Jumbo
6.25%
6.28%
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedApr 19, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
Details
As Low As
1st United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
109 Review Way, Alameda, CA 94501
Jumbo Loans to $2,000,000 30 Year Fixed
6.25%
6.29%
▼
Rate6.25%
APR6.29%
Points0.000
UpdatedApr 19, 2026
Address109 Review Way, Alameda, CA 94501
Details
$1,249,126
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 Northpark Blvd # B1302A, Bakersfield, CA 20190 5919
30-Year Jumbo Fixed
6.25%
6.30%
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedApr 27, 2026
Address100 Northpark Blvd # B1302A, Bakersfield, CA 20190 5919
Details
No additional details available.
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
144 Main St, Amherst, MA 01002
Jumbo Loans
30
6.00%
6.30%
▼
Rate6.00%
APR6.30%
Points2.000
UpdatedApr 17, 2026
Address144 Main St, Amherst, MA 01002
Details
No additional details available.
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
144 Main St, Amherst, MA 01002
Jumbo Loans
30
6.12%
6.33%
▼
Rate6.12%
APR6.33%
Points1.000
UpdatedApr 17, 2026
Address144 Main St, Amherst, MA 01002
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Hammond, FL 32202
Jumbo 30 year fixed
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedApr 19, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
As Low As; Rates
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.625
UpdatedApr 19, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details
No additional details available.
Greenfield Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
144 Main St, Amherst, MA 01002
Jumbo Loans
30
6.25%
6.36%
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedApr 17, 2026
Address144 Main St, Amherst, MA 01002
Details
No additional details available.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
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
UpdatedApr 18, 2026
Address1134 N Avalon Blvd, Honolulu, CA 90732
Details
No additional details available.
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
Jumbo/Non-Conforming 30-Year Fixed Rate
Jumbo/Non-Conforming 30-Year Fixed Rate
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedApr 18, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
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
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedApr 18, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
100 S Main St Ste 110, Alhambra, AZ 86403
Jumbo Fixed Rate 30-Year Fixed
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedApr 19, 2026
Address100 S Main St Ste 110, Alhambra, AZ 86403
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
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedApr 24, 2026
Address10 Western Ave, Berwick, ME 03801
Details
Information based on a mortgage loan to purchase a single-family primary residence located in Maine, with a 60 day rate lock period. APR calculation assumes a $900,000 loan to borrower(s) with excellent credit (including minimum credit score of 760), with a 30% down payment. The estimated monthly payment schedule for this loan would be: 359 payments of $5,614.83 at an interest rate of 6.375%; 1 payment of $5,613.60 at an interest rate of 6.375%. Hazard and, if applicable, flood insurance required. Payments do not include amounts to be held in escrow for taxes and insurance premiums, including mortgage insurance (if applicable); your actual payment obligation may be greater. Information provided is for illustrative purposes. Your actual rate and payment will depend on various factors, including loan product, loan amount, credit profile, property value, occupancy and other factors. This is not a commitment to lend. Rates, terms and fees subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
100 Busch Dr NE, Arnold, CA 03054 4412
Jumbo 30-Year
30-Year
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedApr 19, 2026
Address100 Busch Dr NE, Arnold, CA 03054 4412
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Atwood Pl, Bronx, CT 01824 3629
Jumbo Loans 30 Year Fixed
6.50%
6.51%
▼
Rate6.50%
APR6.51%
Points0.000
UpdatedApr 19, 2026
Address1 Atwood Pl, Bronx, CT 01824 3629
Details
As Low As
Charles River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
1 Hastings St, Bellingham, MA 01756
Jumbo Loan Rate - Fixed
30
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedApr 22, 2026
Address1 Hastings St, Bellingham, MA 01756
Details
No additional details available.
Emigrant Bank New York, NY
Institution Rating:
B+4.7 ★Texas Ratio: 18.61%
13 Croton Ave, New York, NY 10017
Jumbo 30 Year Fixed
6.50%
6.55%
▼
Rate6.50%
APR6.55%
Points0.000
UpdatedApr 17, 2026
Address13 Croton Ave, New York, NY 10017
Details
No additional details available.
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
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
UpdatedApr 18, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
13246 State Route 176, Drakesboro, KY 40223
Jumbo 30 Year Fixed
30
6.50%
6.60%
▼
Rate6.50%
APR6.60%
Points0.000
UpdatedApr 19, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details
No additional details available.
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
30 Year
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points1.000
UpdatedApr 18, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
170 S Rainbow Blvd, Henderson, NV 89014
JUMBO 30-Year Fixed
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedApr 19, 2026
Address170 S Rainbow Blvd, Henderson, NV 89014
Details
As Low As
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
30 Year
6.62%
6.64%
▼
Rate6.62%
APR6.64%
Points0.000
UpdatedApr 18, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
Providence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4855 Seminole Dr, Milwaukie, CA 92115 4241
30-Year Fixed Jumbo Mortgage
30-Year
6.50%
6.74%
▼
Rate6.50%
APR6.74%
Points0.000
UpdatedApr 18, 2026
Address4855 Seminole Dr, Milwaukie, CA 92115 4241
Details
As Low As; Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
1050 Admiral Ct Ste F, Berkeley, CA 94015
30-Year Fixed Jumbo
30
6.75%
6.82%
▼
Rate6.75%
APR6.82%
Points0.000
UpdatedApr 19, 2026
Address1050 Admiral Ct Ste F, Berkeley, CA 94015
Details
$832,751 to $2,500,000
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
Jumbo Loan
30 Year
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$766,551 -$999,999; As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
Jumbo
30 Year
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$766,551-$999,999; As Low As
Fidelity Co-operative Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1 School Sq, Barre, MA 01005
30 Year Jumbo Fixed Rate Mortgage
30
6.75%
6.93%
▼
Rate6.75%
APR6.93%
Points0.000
UpdatedApr 17, 2026
Address1 School Sq, Barre, MA 01005
Details
No additional details available.
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.86%
1019 E Fairchild St, Bloomington, IL 61704
30 Year Fixed (Jumbo)
6.75%
7.02%
▼
Rate6.75%
APR7.02%
Points0.000
UpdatedApr 18, 2026
Address1019 E Fairchild St, Bloomington, IL 61704
Details
As Low As
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1101 FM 3036, Alamo, TX 78102
Super Jumbo Million or Greater)
30 Year
7.12%
7.13%
▼
Rate7.12%
APR7.13%
Points0.000
UpdatedApr 19, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$1; As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD 21001 2281
Home loan Jumbo 30 Year Fixed
7.12%
7.15%
▼
Rate7.12%
APR7.15%
Points0.000
UpdatedApr 19, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
Details
No additional details available.
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
30-Year Fixed Jumbo Loan
7.12%
7.20%
▼
Rate7.12%
APR7.20%
Points0.000
UpdatedApr 22, 2026
Address4029 W Tilghman St, Allentown, PA 18104
Details
No additional details available.
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.32%
1696 US Highway Hwy 181, Alice, TX 78332
Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99)
30 year fixed
7.25%
7.37%
▼
Rate7.25%
APR7.37%
Points0.000
UpdatedApr 17, 2026
Address1696 US Highway Hwy 181, Alice, TX 78332
Details
$1,000,000; As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
10618 E Sprague Ave, Airway Heights, ID 83814 2681
30-year Fixed - Jumbo
7.25%
7.38%
▼
Rate7.25%
APR7.38%
Points0.000
UpdatedApr 19, 2026
Address10618 E Sprague Ave, Airway Heights, ID 83814 2681
Details
No additional details available.
Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.32%
1696 US Highway Hwy 181, Alice, TX 78332
Purchase/Refinance/Cash Out Super Jumbo Loan
30 year fixed
7.50%
7.62%
▼
Rate7.50%
APR7.62%
Points0.000
UpdatedApr 17, 2026
Address1696 US Highway Hwy 181, Alice, TX 78332
Details
$1,600,000.00+; As Low As
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
10080 Alabama ST STE A, Lakewood, CA 90036 4366
Fixed-Rate Mortgages: Jumbo (loans
30 Year
8.12%
8.18%
▼
Rate8.12%
APR8.18%
Points0.000
UpdatedApr 18, 2026
Address10080 Alabama ST STE A, Lakewood, CA 90036 4366
Details
up to $1,500,000; APR & payment based on $975,000 loan; Rates subject to change daily.
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
10080 Alabama ST STE A, Lakewood, CA 90036 4366
Fixed-Rate: Jumbo (loans
30 Year
8.12%
8.18%
▼
Rate8.12%
APR8.18%
Points0.000
UpdatedApr 18, 2026
Address10080 Alabama ST STE A, Lakewood, CA 90036 4366
Details
up to $1,500,000; Rates subject to change daily.
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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.
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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
6.240%
▼ 0.021% from last week
The 30-year jumbo rate fell 0.021 points over the past 7 days to 6.240%, down from 6.260% last week.
Quick Reference — April 2026
Est. payment ($800k loan): $4,920/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 Apr 30, 2026 • Daily averages from our database of 8,500+ U.S. banks & credit unions — updated daily
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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)
- HawaiiUSA Federal Credit Union: 5.25% (30 Year Jumbo Fixed Rate)
- 1st Northern California Credit Union: 5.62% (30 Year Jumbo)
- San Francisco Fire Credit Union: 5.62% (Jumbo Fixed 30 Year)
- First Savings Bank of Hegewisch: 5.75% (Jumbo Single Family Mortgages (Loans - Purchases)
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: April 27, 2026
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