View current jumbo rate trends and start your application when you’re ready.
Explore daily market indices from Optimal Blue OBMMI™. Data reflects actual locked rates and updates daily.
Rates data via Optimal Blue OBMMI™, updated daily.
Rates data via Optimal Blue OBMMI™. Represents a large portion of U.S. mortgage lock activity and updates daily. Displayed values are for informational purposes only and do not constitute a loan offer. Actual rates depend on credit profile, LTV, loan amount, and market conditions.
Last updated: November 5, 2025
What is a jumbo loan?
A loan amount above conforming limits set by FHFA. Limits vary by county.
Are jumbo rates higher?
Often yes due to larger loan sizes and risk-based pricing, but market conditions matter.
Do jumbo loans require reserves?
Typically, yes. Reserve and documentation requirements can be stricter.