Checking today's mortgage rates
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Jumbo mortgage rates
Up 9 basis points from Jul 15, 2026.
This number tracks locked 30-year fixed jumbo mortgages across the United States. Jumbo generally means the loan amount exceeds the conforming limit that applies in that year and location.
Jumbo underwriting varies widely, so this national average cannot replace a lender's quote for a specific borrower and property.
Source
Optimal Blue / FRED
Measure
Locked-loan average
Data through
Jul 16, 2026
Latest 90 published observations for Jumbo.
A crawlable record of the latest values, with each row compared with the prior valid observation.
High across 8 observations
6.730% · Jul 9, 2026
Low across 8 observations
6.538% · Jul 15, 2026
Net change since Jul 7, 2026
+7 bps
| Observation date | Rate | Change from prior observation |
|---|---|---|
| Jul 16, 2026 | 6.628% | +9 bps |
| Jul 15, 2026 | 6.538% | −8 bps |
| Jul 14, 2026 | 6.620% | +2 bps |
| Jul 13, 2026 | 6.602% | −7 bps |
| Jul 10, 2026 | 6.674% | −6 bps |
| Jul 9, 2026 | 6.730% | +9 bps |
| Jul 8, 2026 | 6.638% | +8 bps |
| Jul 7, 2026 | 6.558% | — |
Weekends, holidays, and missing observations are skipped. A basis point is 0.01 percentage point.
A loan is generally jumbo when it exceeds the applicable conforming loan limit. The limit changes by year and can vary by location, so there is no single permanent dollar threshold.
Jumbo loans are generally not purchased by Fannie Mae or Freddie Mac. Lenders assess the larger balance, assets, reserves, and market demand directly, so the rate can be above or below a conforming rate.
The page uses the Optimal Blue jumbo lock index, normally published on the next business day, and labels every observation date.
Clear limits on what this number can tell you.
No. Bank strategy, market liquidity, and borrower profiles can make jumbo averages higher, similar, or occasionally lower than conforming averages.
It depends on the property's location and the conforming loan limit for that calendar year.