Best 30-Year Jumbo Mortgage Rates Today - September 2026 | As Low As 5.82%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 30-year jumbo mortgage market includes offers such as Firstmark Credit UnionFirstmark Credit Union10610 Potranco Rd, Fredericksburg, TX 78121 4495A+5.0 ★Texas Ratio: 4.27% offering Jumbo Loan at 5.82%, and 1st Northern California Credit Union1st Northern California Credit Union1111 Pine St, Benicia, CA 94510 3579A+5.0 ★Texas Ratio: 0.14% offering Mortgage Rates - 30 Year Jumbo at 5.88%, and United Federal Credit UnionUnited Federal Credit Union101 Jack St, Allentown, AR 18101A+5.0 ★Texas Ratio: 3.23% offering Jumbo 30-Year Fixed at 6.00%, and Commonwealth Co-operative BankCommonwealth Co-operative Bank1172 River St, Boston, MA 02108A+5.0 ★Texas Ratio: 2.29% offering Mortgage Rates - 30 Year Fixed Jumbo at 6.25%, and Neighbors Credit UnionNeighbors Credit Union11899 New Halls Ferry Rd, Ellisville, MO 63011A5.0 ★Texas Ratio: 6.95% offering Jumbo - 30 Year Fixed at 6.20%.
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: September 21, 2026
Compare 30-Year Jumbo Mortgage Rates Today
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Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
Minimum loan amount is $100,000. Payments do not include property taxes or insurance. Your payment may be greater if the loan is secured by a first lien. Property insurance is required. Flood insurance may be required. All rates are subject to change without notice. Other restrictions may apply.
Term: Jumbo - 30 Year Fixed
A jumbo loan is defined as any above $832,750
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Term: 30 Year Fixed Rate Jumbo
Payments per thousand do not include taxes and insurance. Your actual monthly payment will be higher.
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Fixed Rate
Term: 30 Year Fixed Rate Jumbo
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$832,750
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20% Down; Max. Loan Amount: See note 2
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Term: 30 Year Fixed Rate Jumbo
over $832,750
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$832,751 - $1,000,000
Term: JUMBO 30-Year Fixed Rate
Term: Jumbo - 30 Year Fixed
As low as
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Down Payment: 20%
loans greater than $832,750
As low as Rates
Rate Lock: 60 Day
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over $832,750
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Loans $832,751 - $1,249,125
As Low As; Jumbo Fixed-Rate Mortgages
Loan Amount $832,751-$2,000,000
Discount: (0.375%)
Finance higher-priced homes without a large down payment or multiple mortgages. As low as 6.875%
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Loan Amount $832,751-$2,000,000
Fee: 0.500%
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.
Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. Payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Rates as of 8/11/2026 are subject to change without notice and are based on creditworthiness. Loans based on a purchase or no cash-out refinance, primary residence, single-family homes, with jumbo loan amounts over the High Balance County Loan Limit.
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Fee: 0.500%
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The annual percentage rates (APRs) for the 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 amount of $550,000.00 and located in Multnomah County, Oregon. 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. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice.
Term: JUMBO 30-Year Fixed Rate With No LLPA's
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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 rose 0.211 points over the past 7 days to 7.060%, up from 6.849% 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?
- Firstmark Credit Union: 5.82% (Jumbo Loan)
- 1st Northern California Credit Union: 5.88% (Mortgage Rates - 30 Year Jumbo)
- United Federal Credit Union: 6.00% (Jumbo 30-Year Fixed)
- Commonwealth Co-operative Bank: 6.25% (Mortgage Rates - 30 Year Fixed Jumbo)
- Neighbors Credit Union: 6.20% (Jumbo - 30 Year Fixed)
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