Best 30-Year Jumbo Mortgage Rates Today - October 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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30-year jumbo mortgage rates range from 5.25% to 7.38%, verified by MonitorBankRates as of October 12, 2026. Today's 30-year jumbo mortgage market includes offers such as Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union1001 Kamokila Blvd Ste 104, Aiea, HI 89123 8004A+5.0 ★Texas Ratio: 2.47% offering 30 Year Jumbo Loan at 5.25%, and Educational Employees Credit UnionEducational Employees Credit Union1070 E Teague Ave, Clovis, CA 93230 4938A+5.0 ★Texas Ratio: 0.58% offering 30 Year Fixed Rate Jumbo - Primary Residence at 5.75%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.12% offering Mortgage - 30 Year Jumbo at 6.12%, and Coast Central Credit UnionCoast Central Credit Union12700 Highway 96, Arcata, CA 95501A+5.0 ★Texas Ratio: 2.92% offering JUMBO Real Estate Loan at 6.33%, and Commonwealth Co-operative BankCommonwealth Co-operative Bank1172 River St, Boston, MA 02108A+5.0 ★Texas Ratio: 2.29% offering Mortgage - 30 Year Fixed Jumbo at 6.50%.
A 30-year jumbo mortgage is a home loan that exceeds the conforming loan limits set by the FHFA — in most U.S. counties that means loans above $766,550. Jumbo loans typically require stronger credit, larger down payments, and more detailed documentation, but provide the financing needed for higher-priced properties with the predictability of a fixed 30-year term. Comparing rates across multiple lenders is critical on jumbo loans because even a 0.25% rate difference on a $1,000,000 loan saves over $50,000 in total interest. We empower borrowers with transparent financial health metrics — including A–F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a financially stable lender with confidence.
30-Year Jumbo Mortgage Rates reflect actual verified offers from lenders actively lending to borrowers across the country. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026
Compare 30-Year Jumbo Mortgage Rates Today
Jumbo Mortgage Program
Jumbo Mortgage Program
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Jumbo Mortgage Program
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Jumbo loans are loans exceeding $832,750. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $900,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
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- Oct 1, 20266.53%▲ from 6.29%
- Sep 24, 20266.29%first recorded
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As low as
- Sep 27, 20266.73%▼ from 6.75%
- Sep 18, 20266.75%▲ from 6.62%
- Sep 14, 20266.62%first recorded
Rates and terms described are for owner-occupied properties only. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan. When the initial fixed interest rate expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6 month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR index rate, as made available by the Federal Reserve Board of New York. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin, which is 3.000%, to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. The fully indexed rate is 6.750%. All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment. Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes an owner-occupied purchase mortgage loan in the amount of $100,000 with 25% down and credit score >/= 780. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Restricted to properties located in the following communities in Connecticut and New Jersey: Capital, Naugatuck Valley, and South Central regions; Bergen, Morris, and Passaic counties. Restricted to low-to-moderate census tracts in the following Connecticut cities: Ansonia, Bristol, East Hartford, Hartford, Manchester, Meriden, New Britain, New Haven, and Waterbury. New Jersey boroughs and cities: Bergenfield, Cliffside Park, Clifton, Dover, Elmwood Park, Englewood, Fairview, Garfield, Hackensack, Lodi, Morristown, Mount Olive, Passaic, Paterson, Prospect Park, Wharton, and Woodland Park. Rate reflects subject property in low-to-moderate census tract in Ion Bank's assessment areas. Rate reflects household income at or below 80% AMI (Area Median Income). The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic in the country by using data from the US Census-based American Community Survey. A household's income is calculated by its gross income, which is the total income received before taxes and other payroll deductions.
Rate Lock: 60 Day
For a $832,750.00 loan would result in a monthly payment of $5,401.20. Last updated 10/09/2026. The rates displayed already reflect a 0.50 percentage point promotional discount for eligible 10-, 15-, 20-, and 30-year fixed-rate mortgage loans. Available for purchase and refinance loans on owner-occupied primary residences. Excludes construction-to-permanent loans, vacation homes, investment properties, multifamily properties, and condominiums. To qualify for and retain the discounted rate, members must establish a FAIRWINDS checking account with either a recurring direct deposit of at least $500 or automatic mortgage payments. Failure to establish these requirements may result in the loss of the promotional discount and an adjustment to the interest rate. Offer may be modified or discontinued at any time without notice.
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Loan amounts up to $2.5 million; Purchase | No cash-out refinance | Single-family home | Primary residence
- Oct 10, 20266.88%▼ from 6.91%
- Sep 27, 20266.91%▼ from 6.92%
- Sep 14, 20266.92%first recorded
payment example
- Oct 2, 20266.88%▲ from 6.63%
- Sep 30, 20266.63%first recorded
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- Oct 1, 20266.88%▲ from 6.63%
- Sep 24, 20266.63%first recorded
20% Down; Max. Loan Amount: See note 2
- Oct 7, 20266.89%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.39%
- Sep 15, 20266.39%first recorded
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- Sep 24, 20266.89%▲ from 6.52%
- Sep 19, 20266.52%▲ from 6.39%
- Sep 15, 20266.39%first recorded
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- Oct 1, 20267.01%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.76%
- Sep 19, 20266.76%first recorded
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- Oct 3, 20267.01%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.75%
- Sep 24, 20266.75%first recorded
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- Sep 24, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 6.51%
- Sep 15, 20266.51%first recorded
Term: Jumbo - 30 Year Fixed
- Oct 9, 20267.02%▲ from 6.76%
- Oct 2, 20266.76%▲ from 6.34%
- Sep 14, 20266.34%first recorded
payment example
- Oct 2, 20267.02%▲ from 6.77%
- Sep 30, 20266.77%first recorded
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- Oct 10, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Monthly Payment Per $1,000: $6.65. Payments per thousand do not include taxes and insurance. Your actual monthly payment will be higher.
loans greater than $832,750
Fixed Rate
- Sep 22, 20267.13%▲ from 6.63%
- Sep 18, 20266.63%first recorded
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- Oct 12, 20267.13%▲ from 7.00%
- Oct 4, 20267.00%first recorded
Published APR range: As low as 7.146%. Jumbo First Mortgage Loans
- Oct 9, 20267.15%▲ from 6.90%
- Sep 22, 20266.90%first recorded
over $832,750
- Oct 7, 20267.17%▲ from 7.04%
- Oct 1, 20267.04%first recorded
As Low As; Example Loan Amount: $850,000; Example
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- Oct 10, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.67%
- Sep 14, 20266.67%first recorded
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- Oct 2, 20267.18%▲ from 6.93%
- Sep 24, 20266.93%▲ from 6.67%
- Sep 17, 20266.67%first recorded
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- Oct 9, 20267.18%▼ from 7.68%
- Oct 1, 20267.68%▲ from 7.30%
- Sep 24, 20267.30%▲ from 7.05%
- Sep 18, 20267.05%first recorded
over $832,750
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- Oct 9, 20267.20%▲ from 7.09%
- Oct 2, 20267.09%▼ from 7.22%
- Sep 29, 20267.22%first recorded
Jumbo / High-Balance
Loans $832,751 - $1,249,125
- Oct 9, 20267.24%▲ from 7.12%
- Oct 5, 20267.12%▼ from 7.24%
- Oct 2, 20267.24%▲ from 6.99%
- Sep 25, 20266.99%▲ from 6.86%
Jumbo Fixed (A jumbo loan is defined as any above $832,750)
- Oct 9, 20267.25%▲ from 6.38%
- Sep 18, 20266.38%first recorded
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- Sep 27, 20267.26%▲ from 7.01%
- Sep 18, 20267.01%first recorded
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- Sep 27, 20267.26%▲ from 7.01%
- Sep 15, 20267.01%first recorded
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Origination Point: 0.00%
Origination Point: 0.00%
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment (30, 45, or 60) day commitments available). APR* examples above are based on an owner-occupied, detached single family residence, Purchase or Limited Cash Out refinance, loan amount of $450,000 at a maximum 60% Loan to Value (LTV), minimum Credit Score of 720 and 30-day lock commitment. Disclosed APR* includes 15 days of estimated prepaid interest. Final rate will depend on factors including market conditions, specific characteristics of the loan transaction, and Private Mortgage Insurance for loans over 80% LTV. For 30-Year loans less than $275,000, 20-year less than $176,000, and 15-year less than $201,000, please contact your Loan Officer for the discounted interest rates and APRs. For purchases, the minimum down payment is 3.0% of purchase price; for refinances, maximum LTV is 97%. Limited Cash Out is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000.
- Oct 10, 20267.29%▲ from 6.92%
- Sep 18, 20266.92%first recorded
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- Oct 7, 20267.30%▲ from 6.79%
- Sep 18, 20266.79%▲ from 6.66%
- Sep 15, 20266.66%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.30%▲ from 6.79%
- Sep 16, 20266.79%first recorded
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$832,751 - $1,000,000
The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $766,551, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. Assumes no other loans or liens on subject property.
- Oct 9, 20267.35%▲ from 6.97%
- Sep 18, 20266.97%▲ from 6.85%
- Sep 14, 20266.85%first recorded
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- Oct 10, 20267.37%▲ from 6.99%
- Sep 22, 20266.99%first recorded
As low as; Jumbo Fixed-Rate Mortgages
- Oct 5, 20267.38%▼ from 7.50%
- Oct 2, 20267.50%▲ from 7.33%
- Sep 29, 20267.33%▲ from 7.13%
- Sep 25, 20267.13%▲ from 6.86%
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- Sep 29, 20267.38%▲ from 7.00%
- Sep 18, 20267.00%first recorded
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Additional APR listed for this product: 7.42%.
Term: Jumbo - 30 Year Fixed
- Oct 9, 20267.39%▲ from 7.14%
- Oct 2, 20267.14%▲ from 6.72%
- Sep 14, 20266.72%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
30-Year Jumbo Mortgage Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 30-year jumbo rate fell 0.104 points over the past 7 days to 7.335%, down from 7.439% last week.
30-Year Jumbo Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 30-year jumbo mortgage rate on this page is sourced directly from the official website of the lending institution — no estimates, no survey averages. Our proprietary rate aggregation technology, combined with a dedicated team of rate analysts, verifies and updates listings daily to ensure accuracy.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 30-year jumbo mortgage rates can shift multiple times per week in response to 10-year Treasury movements and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 30-Year Jumbo Mortgage Rates
What is a 30-year jumbo mortgage?
Are 30-year jumbo rates higher than conforming rates?
What credit score and qualifications do I need for a 30-year jumbo?
How much down payment is required for a 30-year jumbo?
How does a 30-year jumbo compare to a 15-year jumbo?
What is the difference between a jumbo and a super-jumbo mortgage?
Can I refinance a 30-year jumbo mortgage?
Are 30-year jumbo loans available from credit unions?
What is the difference between interest rate and APR on a 30-year jumbo?
How are 30-year jumbo rates determined?
What are today's best 30-year jumbo mortgage rates?
- Aloha Pacific Federal Credit Union: 5.25% (30 Year Jumbo Loan)
- Educational Employees Credit Union: 5.75% (30 Year Fixed Rate Jumbo - Primary Residence)
- 1st Northern California Credit Union: 6.12% (Mortgage - 30 Year Jumbo)
- Coast Central Credit Union: 6.33% (JUMBO Real Estate Loan)
- Commonwealth Co-operative Bank: 6.50% (Mortgage - 30 Year Fixed Jumbo)
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