Best 30-Year Jumbo Mortgage Rates Today - July 2026 | As Low As 5.70%
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Coast Central Credit UnionCoast Central Credit Union12700 Highway 96, Arcata, CA 95501A+5.0 ★Texas Ratio: 1.11% offering Jumbo Real Estate Loan at 5.70%, 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 Loan at 5.88%, and Penn Community BankPenn Community Bank1051 S West End Blvd, Allentown, PA 18017A+5.0 ★Texas Ratio: 0.41% offering Jumbo-Fixed Rate Mortgages 30 Years at 6.00%, and Virginia Credit UnionVirginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974A5.0 ★Texas Ratio: 6.07% offering 30yr Jumbo Fixed Rate Mortgage at 6.00%, and United Federal Credit UnionUnited Federal Credit Union101 Jack St, Allentown, AR 18101A+5.0 ★Texas Ratio: 3.13% offering Jumbo 30-Year Fixed at 6.00%.
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: July 25, 2026
Compare 30-Year Jumbo Mortgage Rates Today
Source: Verified Mortgage Rate Data provided by MonitorBankRates.com
Lender
Product
Term
Rate ▲
APR
Profile
Coast Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
12700 Highway 96, Arcata, CA 95501
Jumbo Real Estate Loan
30 Years
5.70%
5.71%
▼
Rate5.70%
APR5.71%
Points0.000
UpdatedJul 25, 2026
Address12700 Highway 96, Arcata, CA 95501
Details
Jumbo loans are loans exceeding $806,500. APR is based on a $900,000 loan amount. Rates also available for Non-Owner Occupied.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
1111 Pine St, Benicia, CA 94510 3579
30 Year Jumbo Loan
30 Year
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.750
UpdatedJul 11, 2026
Address1111 Pine St, Benicia, CA 94510 3579
Details
As Low As; Rates As Low As
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
30 Years
6.00%
6.04%
▼
Rate6.00%
APR6.04%
Points0.000
UpdatedJul 12, 2026
Address1051 S West End Blvd, Allentown, PA 18017
Details
Rate Lock: 60 Day
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.875
UpdatedJul 25, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details
No additional details available.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
101 Jack St, Allentown, AR 18101
Jumbo 30-Year Fixed
360 months
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedJul 15, 2026
Address101 Jack St, Allentown, AR 18101
Details
Advertised rate based on a $1,000,000 loan amount. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. 0.125% discount for auto-pay deducted from United Ultra or Free Checking account each month.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
10000 N Central Expy Ste 111, Allen, AK 28226
30 Yr Fixed Jumbo
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.940
UpdatedJul 16, 2026
Address10000 N Central Expy Ste 111, Allen, AK 28226
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)
30 Year
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedJul 12, 2026
Address1005 South St, Norfolk, MA 02056
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360 months
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points1.750
UpdatedJul 25, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
Details
No additional details available.
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
UpdatedJul 16, 2026
Address1121 S University Ave, Ann Arbor, MI 48103
Details
Fixed Rate
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
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedJul 20, 2026
Address1105 Summer St, Andover, MA 01810
Details
See note 2
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360
6.25%
6.26%
▼
Rate6.25%
APR6.26%
Points-0.250
UpdatedJul 25, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
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
6.25%
6.27%
▼
Rate6.25%
APR6.27%
Points0.000
UpdatedJul 25, 2026
Address10901 N Dale Mabry Hwy, Bradenton, FL 33556 3494
Details
No additional details available.
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30yr Jumbo Fixed Rate Mortgage
360 months
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.625
UpdatedJul 25, 2026
Address10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
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 Mortgage 30-Year Fixed
30-Year Fixed
6.25%
6.38%
▼
Rate6.25%
APR6.38%
Points0.000
UpdatedJul 25, 2026
Address10610 Potranco Rd, Fredericksburg, TX 78121 4495
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1 Johnson Rd, Airmont, FL 01201
First Mortgage, Jumbo (30 Year)
30 Year
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedJul 20, 2026
Address1 Johnson Rd, Airmont, FL 01201
Details
No additional details available.
Luso Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
JUMBO 30-Year Fixed Rate
JUMBO 30-Year Fixed Rate
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedJul 24, 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: 9.35%
1 Crane Park Dr Ste 4, Ludlow, MA 01056
TRIM: The Rate Improver Mortgage JUMBO 30-Year Fixed Rate
JUMBO 30-Year Fixed Rate
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedJul 24, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
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
30-Year
6.38%
6.39%
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedJul 16, 2026
Address10169 S Parker Rd, Arvada, CO 80003
Details
As Low As; Discount: (0.250%)
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
30 years
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedJul 15, 2026
Address1000 S Mays St, Austin, TX 76548 1745
Details
As low as 6.375%
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
30 years
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedJul 15, 2026
Address1000 S Mays St, Austin, TX 76548 1745
Details
As low as 6.375%
WVS West View SB
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
100 Norman Dr, Cranberry Township, PA 15090
30 Yr Jumbo Loan
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedJul 20, 2026
Address100 Norman Dr, Cranberry Township, PA 15090
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
30 YEAR FIXED JUMBO
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedJul 16, 2026
Address10202 Washington Blvd, Burbank, CA 90038 3989
Details
No additional details available.
Webster Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
100 Front St, Auburn, MA 01501
30 Year Jumbo Loan
30 Year Jumbo
6.38%
6.42%
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedJul 12, 2026
Address100 Front St, Auburn, MA 01501
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
Jumbo 30 Year Loan
30 Year
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.625
UpdatedJul 11, 2026
Address10150 W Desert River Blvd, Avondale, AZ 85008 2442
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1 Carmichael St, Barre, VT 05401 4441
Jumbo Programs 30 Year Fixed Rate
30 Year Fixed
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedJul 15, 2026
Address1 Carmichael St, Barre, VT 05401 4441
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1 Carmichael St, Barre, VT 05401 4441
Jumbo Programs Loan
30 Year Fixed Rate
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedJul 15, 2026
Address1 Carmichael St, Barre, VT 05401 4441
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
6.50%
▼
Rate
APR6.50%
Points1.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As; Jumbo Fixed-Rate Mortgages
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
6.38%
6.50%
▼
Rate6.38%
APR6.50%
Points1.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As; Jumbo Fixed-Rate Mortgages
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%
6.50%
▼
Rate6.38%
APR6.50%
Points1.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As
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
6.50%
6.51%
▼
Rate6.50%
APR6.51%
Points0.000
UpdatedJul 11, 2026
Address1061 Thomas Jefferson St Nw, Boston, DC 02025
Details
No additional details available.
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1028 Us Route 302, Berlin, NH 03251
30 Year Fixed Rate Jumbo
30 Year
6.50%
6.51%
▼
Rate6.50%
APR6.51%
Points0.000
UpdatedJul 20, 2026
Address1028 Us Route 302, Berlin, NH 03251
Details
No additional details available.
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
101 Tillson Avenue Ext, Albany, NY 10509
30-Year Fixed Jumbo
6.50%
6.52%
▼
Rate6.50%
APR6.52%
Points0.000
UpdatedJul 11, 2026
Address101 Tillson Avenue Ext, Albany, NY 10509
Details
No additional details available.
Ent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1 Mount Baldy Dr, Aurora, CO 80011 7809
Jumbo 30-Year Fixed
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedJul 16, 2026
Address1 Mount Baldy Dr, Aurora, CO 80011 7809
Details
Origination Fee: 0%
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1800 Barrs St, Hammond, FL 32202
Jumbo 30 year fixed
30 year fixed
6.50%
6.54%
▼
Rate6.50%
APR6.54%
Points0.500
UpdatedJul 25, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
No additional details available.
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1060 S Watson Rd, Apache Junction, AZ 85004
Jumbo 30-year fixed
30-year
6.55%
▼
Rate
APR6.55%
Points0.000
UpdatedJul 11, 2026
Address1060 S Watson Rd, Apache Junction, AZ 85004
Details
As Low As
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
100 COMMUNITY LOOP, Arroyo Grande, CA 93401 4084
Jumbo First Lien Mortgage Loan Terms 30-Year Fixed
30-Year Fixed
6.50%
6.55%
▼
Rate6.50%
APR6.55%
Points0.000
UpdatedJul 11, 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: 5.03%
1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
30-Year Jumbo Fixed-Rate
30-Year
6.50%
6.56%
▼
Rate6.50%
APR6.56%
Points0.000
UpdatedJul 24, 2026
Address1118 Mainstreet Ste 2, Albert Lea, MN 55008 4149
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
UpdatedJul 22, 2026
Address1 IKEA RBFCU Parkway, Allen, TX 75002
Details
As Low As
Winter Hill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
271 Main St, North Reading, MA 01864
Fixed Rate Jumbo - First Mortgage Loans 30 Year
30 Year
6.50%
6.57%
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedJul 20, 2026
Address271 Main St, North Reading, MA 01864
Details
No additional details available.
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Berlin, ME 03106
Jumbo 30-Year Fixed Mortgage
30-Year
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedJul 11, 2026
Address1 Pool St, Berlin, ME 03106
Details
No additional details available.
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
30 Year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points2.000
UpdatedJul 24, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
Details
No additional details available.
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
30 Year
6.59%
▼
Rate
APR6.59%
Points0.000
UpdatedJul 25, 2026
Address1002 Park Ave N, Auburn, SC 29418
Details
No additional details available.
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
30 Year
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points1.000
UpdatedJul 24, 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: 3.38%
170 S Rainbow Blvd, Henderson, NV 89014
JUMBO 30-Year Fixed
JUMBO 30-Year Fixed
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedJul 16, 2026
Address170 S Rainbow Blvd, Henderson, NV 89014
Details
As Low As
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 Loan
30 Year
6.50%
6.62%
▼
Rate6.50%
APR6.62%
Points0.000
UpdatedJul 25, 2026
Address10161 W Grand Parkway, Cypress, TX 77040 6229
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
30 year fixed
6.62%
6.62%
▼
Rate6.62%
APR6.62%
Points0.000
UpdatedJul 25, 2026
Address1800 Barrs St, Hammond, FL 32202
Details
No additional details available.
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
30 Year
6.62%
6.64%
▼
Rate6.62%
APR6.64%
Points0.000
UpdatedJul 24, 2026
Address1 Crane Park Dr Ste 4, Ludlow, MA 01056
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
6.65%
▼
Rate
APR6.65%
Points0.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As; Jumbo Fixed-Rate Mortgages
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
6.62%
6.65%
▼
Rate6.62%
APR6.65%
Points0.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As; Jumbo Fixed-Rate Mortgages
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
6.62%
6.65%
▼
Rate6.62%
APR6.65%
Points0.000
UpdatedJul 24, 2026
Address101 W Division St, Algonquin, IL 48072
Details
As Low As
Altura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
10725 Magnolia Ave, Banning, CA 91752
30 Year - Jumbo Fixed
30 Year
6.38%
6.67%
▼
Rate6.38%
APR6.67%
Points0.000
UpdatedJul 16, 2026
Address10725 Magnolia Ave, Banning, CA 91752
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
6.62%
6.68%
▼
Rate6.62%
APR6.68%
Points0.000
UpdatedJul 16, 2026
Address14750 Victor Hugo Blvd N, Eagan, MN 55038 4561
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
6.62%
6.72%
▼
Rate6.62%
APR6.72%
Points0.500
UpdatedJul 25, 2026
Address1100 NE Weidler St, Albany, OR 97005
Details
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. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Interest rates and APRs are subject to change without notice.
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
30-Yr JUMBO Fixed
6.75%
6.76%
▼
Rate6.75%
APR6.76%
Points0.000
UpdatedJul 11, 2026
Address1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
1077 State Route 3 N, Annapolis, MD 20701
30 Year Jumbo Loan
30 Year
6.75%
6.78%
▼
Rate6.75%
APR6.78%
Points0.000
UpdatedJul 16, 2026
Address1077 State Route 3 N, Annapolis, MD 20701
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
Fixed-Rate Mortgages: Jumbo - 30 Year
30 Year
6.75%
6.79%
▼
Rate6.75%
APR6.79%
Points0.000
UpdatedJul 24, 2026
Address1010 Riley St Ste 5, Anaheim, CA 90045
Details
No additional details available.
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA 91910 7487
30-year Jumbo Fixed
30-year
6.75%
6.84%
▼
Rate6.75%
APR6.84%
Points0.375
UpdatedJul 25, 2026
Address1060 University Ave Ste A101, Chula Vista, CA 91910 7487
Details
No additional details available.
California Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1060 University Ave Ste A101, Chula Vista, CA 91910 7487
30-Year Jumbo Mortgage
30-Year
6.75%
6.84%
▼
Rate6.75%
APR6.84%
Points0.375
UpdatedJul 25, 2026
Address1060 University Ave Ste A101, Chula Vista, CA 91910 7487
Details
No additional details available.
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
30 Year Fixed
6.62%
6.88%
▼
Rate6.62%
APR6.88%
Points0.000
UpdatedJul 11, 2026
Address10075 Carroll Canyon Rd, Chula Vista, CA 91910 7565
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
1101 FM 3036, Alamo, TX 78102
Jumbo (30 Year) Loan
30 Year
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedJul 11, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
As Low As; Loan Amount Example: $900,000.00; Monthly Payment Example: $6,063.47
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
1101 FM 3036, Alamo, TX 78102
Jumbo Loan
30 Year
6.88%
6.88%
▼
Rate6.88%
APR6.88%
Points0.000
UpdatedJul 11, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$766,551 -$999,999; 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
6.88%
6.92%
▼
Rate6.88%
APR6.92%
Points0.000
UpdatedJul 11, 2026
Address1 Hastings St, Bellingham, MA 01756
Details
No additional details available.
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Berlin, ME 03106
30-Year Fixed Jumbo
30-Year
6.50%
6.93%
▼
Rate6.50%
APR6.93%
Points0.000
UpdatedJul 11, 2026
Address1 Pool St, Berlin, ME 03106
Details
No additional details available.
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Berlin, ME 03106
Jumbo Construction Loan 30-Year Fixed Mortgage
30-Year
6.50%
6.93%
▼
Rate6.50%
APR6.93%
Points0.000
UpdatedJul 11, 2026
Address1 Pool St, Berlin, ME 03106
Details
No additional details available.
Patelco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1050 Admiral Ct Ste F, Berkeley, CA 94015
30-Year Fixed Jumbo
6.88%
6.95%
▼
Rate6.88%
APR6.95%
Points0.000
UpdatedJul 11, 2026
Address1050 Admiral Ct Ste F, Berkeley, CA 94015
Details
Amount: $832,751 to $2,500,000
Rural Cooperatives Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
13246 State Route 176, Drakesboro, KY 40223
Jumbo 30 Year Fixed
360
6.88%
6.97%
▼
Rate6.88%
APR6.97%
Points0.000
UpdatedJul 16, 2026
Address13246 State Route 176, Drakesboro, KY 40223
Details
Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $150,000 and an estimated property value of $3,000,000.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
1028 Middleton Rd, Aberdeen, MD 21001 2281
Jumbo 30 Year Fixed Home loan
30 Year Fixed
7.00%
7.03%
▼
Rate7.00%
APR7.03%
Points0.000
UpdatedJul 11, 2026
Address1028 Middleton Rd, Aberdeen, MD 21001 2281
Details
Offer available for purchases and refinances in MD, DE, PA. Must be primary residence. Purchase specials available. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details. Escrow options 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
30 Year Fixed
7.00%
7.06%
▼
Rate7.00%
APR7.06%
Points0.000
UpdatedJul 12, 2026
Address13 Croton Ave, New York, NY 10017
Details
No additional details available.
Naveo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
251 Hampshire St, Cambridge, MA 01905
Jumbo & High Balance Fixed Rate Mortgage - 30 Year Fixed Rate
30 Year Fixed Rate
7.00%
7.07%
▼
Rate7.00%
APR7.07%
Points0.000
UpdatedJul 11, 2026
Address251 Hampshire St, Cambridge, MA 01905
Details
No additional details available.
Polish National Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1 Parkside Ave, Chicopee, MA 01020
Fixed Rate Jumbo
30 Years
6.88%
7.07%
▼
Rate6.88%
APR7.07%
Points0.000
UpdatedJul 25, 2026
Address1 Parkside Ave, Chicopee, MA 01020
Details
No additional details available.
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
1101 FM 3036, Alamo, TX 78102
Super Jumbo Million or Greater) 30 Year Loan
30 Year
7.12%
7.13%
▼
Rate7.12%
APR7.13%
Points0.000
UpdatedJul 11, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$1; Loan Amount Example: $1,500,000.00; Monthly Payment Example: $10,360.13
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
1101 FM 3036, Alamo, TX 78102
Super Jumbo Million or Greater) Loan
30 Year
7.12%
7.13%
▼
Rate7.12%
APR7.13%
Points0.000
UpdatedJul 11, 2026
Address1101 FM 3036, Alamo, TX 78102
Details
$1; As Low As
Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
30-Yr JUMBO Refi
30-Yr
7.12%
7.14%
▼
Rate7.12%
APR7.14%
Points0.000
UpdatedJul 11, 2026
Address1075 Tri State Pkwy Ste 850, Arlington Heights, IL 60004
Details
No additional details available.
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1002 Park Ave N, Auburn, SC 29418
30 Year Fixed Jumbo Construction
30 Year
7.14%
▼
Rate
APR7.14%
Points0.000
UpdatedJul 25, 2026
Address1002 Park Ave N, Auburn, SC 29418
Details
12 month construction term
BECU Boeing Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1002 Park Ave N, Auburn, SC 29418
Construction Jumbo 30 Year Fixed Rate
30 Year
7.14%
▼
Rate
APR7.14%
Points0.000
UpdatedJul 25, 2026
Address1002 Park Ave N, Auburn, SC 29418
Details
12 month construction term
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1019 E Fairchild St, Bloomington, IL 61704
30 Year Fixed (Jumbo)
7.12%
7.18%
▼
Rate7.12%
APR7.18%
Points0.000
UpdatedJul 25, 2026
Address1019 E Fairchild St, Bloomington, IL 61704
Details
As low as; Rate: 7.125%
American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4029 W Tilghman St, Allentown, PA 18104
30-Year Fixed Jumbo Loan
30-Year Fixed
7.25%
7.33%
▼
Rate7.25%
APR7.33%
Points0.000
UpdatedJul 11, 2026
Address4029 W Tilghman St, Allentown, PA 18104
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
10618 E Sprague Ave, Airway Heights, ID 83814 2681
30-year Fixed - Jumbo
7.38%
7.49%
▼
Rate7.38%
APR7.49%
Points0.000
UpdatedJul 25, 2026
Address10618 E Sprague Ave, Airway Heights, ID 83814 2681
Details
No additional details available.
The First Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
10080 Alabama ST STE A, Lakewood, CA 90036 4366
Fixed-Rate: Jumbo (loans
30 Year
8.50%
8.68%
▼
Rate8.50%
APR8.68%
Points1.125
UpdatedJul 25, 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.; Home Loan Request More Information
Mission Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
10325 Meanley Dr, Carlsbad, CA 91910
30 Year Fixed Jumbo
30 Year
8.88%
8.89%
▼
Rate8.88%
APR8.89%
Points0.125
UpdatedJul 23, 2026
Address10325 Meanley Dr, Carlsbad, CA 91910
Details
No additional details available.
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MonitorBankRates
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 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 — Avg
6.704%
▲ 0.089% from last week
The 30-year jumbo rate rose 0.089 points over the past 7 days to 6.704%, up from 6.615% last week.
Quick Reference — July 2026
Est. payment ($800k loan): $5,164/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 Jul 26, 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 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?
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, 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?
- Coast Central Credit Union: 5.70% (Jumbo Real Estate Loan)
- 1st Northern California Credit Union: 5.88% (30 Year Jumbo Loan)
- Penn Community Bank: 6.00% (Jumbo-Fixed Rate Mortgages 30 Years)
- Virginia Credit Union: 6.00% (30yr Jumbo Fixed Rate Mortgage)
- United Federal Credit Union: 6.00% (Jumbo 30-Year Fixed)
30-Year Jumbo 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: July 25, 2026
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