Compare jumbo mortgage rates

A jumbo mortgage is a big home loan that requires lenders to assume more risk, so it sometimes comes with stricter lending standards. Find and compare current jumbo mortgage rates from lenders in your area.

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About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Mortgage rate trends (APR)

NerdWallet’s mortgage rate insight

30-year fixed-rate

On Sunday, December 5th, 2021, the average APR on a 30-year fixed-rate mortgage remained at 3.024%. The average APR on a 15-year fixed-rate mortgage remained at 2.300% and the average APR for a 5/1 adjustable-rate mortgage (ARM) remained at 2.809%, according to rates provided to NerdWallet by Zillow. The 30-year fixed-rate mortgage is 4 basis points lower than one week ago and 13 basis points higher than one year ago.

A basis point is one one-hundredth of one percent. Rates are expressed as annual percentage rate, or APR.

Current mortgage and refinance rates

ProductInterest rateAPR
30-year fixed-rate2.953%3.024%
20-year fixed-rate2.774%2.871%
15-year fixed-rate2.174%2.300%
10-year fixed-rate2.079%2.162%
7/1 ARM2.619%2.922%
5/1 ARM2.557%2.809%
3/1 ARM2.917%3.555%
30-year fixed-rate FHA2.250%2.899%
30-year fixed-rate VA2.525%2.830%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

How to shop for jumbo mortgage rates

NerdWallet’s mortgage rate tool can help you find competitive jumbo loan rates. In the "Refine results" section, enter a few details about the loan you’re looking for, and you’ll get a personalized rate quote in minutes, without providing any personal information. From there, you can start the process to get preapproved for your home loan. It’s that easy.

What loan amount qualifies as a jumbo mortgage?

A jumbo mortgage is any loan amount above the national conforming loan limit, which is updated annually and varies by location.

When should you consider a jumbo mortgage?

You should consider a jumbo mortgage if you’re purchasing a high-priced home and are in a position to qualify for the more stringent requirements they carry, including a high credit score, strong credit history and usually a 20% down payment.

Learn more about Jumbo loans:

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