Introduction
As of June 19, 2025, the mortgage landscape offers some encouraging signs for homebuyers and investors ready to make a move. While jumbo loan rates have held steady at most credit unions, there’s been a subtle but meaningful shift in national averages. Zillow reports the lowest 15-year fixed jumbo rate at 5.375% through Digital Federal Credit Union, making it a standout option for those seeking shorter-term stability with competitive pricing. Meanwhile, the 30-year jumbo fixed rates are hovering around 6.25% to 6.75% across several top credit unions like Delta Community and Americas Credit Union, offering choices for longer horizons. Inflation expectations are inching up slightly, with the Federal Reserve’s breakeven inflation rate rising by a few basis points over the past week, hinting at why lenders are cautious but not rushing to hike rates aggressively. Here’s what you need to know before locking in a rate—whether you’re buying your first home or eyeing that investment property, understanding these subtle shifts could save you thousands down the line.
New Purchase - Jumbo 15 yrs Fixed
Lender
2025-06-19
(Current Day)
(Current Day)
2025-06-12
(7 Days Ago)
(7 Days Ago)
2025-06-04
(15 Days Ago)
(15 Days Ago)
2025-05-20
(30 Days Ago)
(30 Days Ago)
2025-05-05
(45 Days Ago)
(45 Days Ago)
Delta Community Credit Union
6.25%
6.25%
6.25%
6.25%
6.25%
Desert Financial Credit Union
5.75%
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
Digital Federal Credit Union
5.38%
5.38%
5.38%
Myconsumers
5.50%
5.50%
5.50%
5.50%
5.50%
Navy Federal Credit Union
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
North West Federal Credit Union
5.88%
6.13%
+25 bps
6.25%
+37.5 bps
6.25%
+37.5 bps
State Department Federal Credit Union
5.75%
5.75%
5.75%
6.38%
+62.5 bps
6.38%
+62.5 bps
New Purchase - Jumbo 30 yrs Fixed
Lender
2025-06-19
(Current Day)
(Current Day)
2025-06-12
(7 Days Ago)
(7 Days Ago)
2025-06-04
(15 Days Ago)
(15 Days Ago)
2025-05-20
(30 Days Ago)
(30 Days Ago)
2025-05-05
(45 Days Ago)
(45 Days Ago)
Americas Credit Union
6.75%
6.75%
6.75%
6.75%
6.75%
Delta Community Credit Union
6.50%
6.50%
6.50%
6.50%
6.50%
Desert Financial Credit Union
6.50%
6.50%
6.63%
+12.5 bps
6.75%
+25 bps
6.63%
+12.5 bps
Digital Federal Credit Union
6.25%
6.25%
6.25%
Myconsumers
6.75%
6.88%
+12.5 bps
6.75%
6.75%
6.75%
Navy Federal Credit Union
6.50%
7.63%
+112.5 bps
6.63%
+12.5 bps
6.63%
+12.5 bps
6.50%
North West Federal Credit Union
6.50%
6.75%
+25 bps
6.88%
+37.5 bps
6.88%
+37.5 bps
Nuvisionfederal
6.50%
6.38%
-12.5 bps
6.50%
6.63%
+12.5 bps
6.38%
-12.5 bps
Schoolsfirst Federal Credit Union
6.63%
6.63%
6.63%
6.63%
6.63%
State Department Federal Credit Union
6.38%
6.38%
6.50%
+12.5 bps
6.88%
+50 bps
6.88%
+50 bps
The Golden 1 Credit Union
6.75%
6.75%
6.75%
6.75%
6.63%
-12.5 bps
Americas Credit Union
On June 19, 2025, the 30-year Jumbo Fixed Rate - 80% LTV for purchase loans remains steady at 6.75%, showing no change over the past 7 or 30 days. This stability in yield spreads indicates a consistent cost of borrowing for high-value homebuyers seeking jumbo financing. For members considering large purchase transactions, the unchanged rate environment provides predictability in monthly payments and long-term budgeting. While refinancing options are limited in this snapshot, borrowers prioritizing rate certainty should evaluate fixed-rate Jumbo loans to manage interest rate risk effectively. Maintaining awareness of such stable trends can assist members in aligning mortgage strategies with their financial goals amid fluctuating market conditions.
Delta Community Credit Union
On June 19, 2025, Jumbo Fixed 15-year and Jumbo Fixed 30-year purchase mortgage rates remain steady at 6.25% and 6.50%, respectively, with no change over the past 7 and 30 days. The stability in these rates indicates no recent fluctuations in yield spreads or cost of borrowing for high-balance loans. For members pursuing jumbo loans, this consistency supports predictable payment planning without rate volatility. First-time buyers aiming for larger properties can assess these fixed-rate options to secure long-term rate certainty. Given the unchanged rates, members should evaluate their mortgage strategy, especially if prioritizing stability over potential short-term savings. Maintaining awareness of jumbo loan trends will aid in informed borrowing decisions amid broader market shifts.
Desert Financial Credit Union
On June 19, 2025, Jumbo 15 Year Fixed Rate Purchase loans hold the lowest rate at 5.75% with 1.125 points, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. The Jumbo 30 Year Fixed Rate Purchase option remains at 6.50% with 1.25 points, steady over the past week and decreased by 25 basis points month-over-month. These stable yield spreads indicate a relatively consistent cost of borrowing for jumbo loan borrowers seeking longer-term financing. Members considering high-value home purchases should evaluate the trade-off between shorter-term stability and longer amortization periods amid these modest declines. For those prioritizing predictable payments, fixed-rate jumbo products offer clarity in budgeting; meanwhile, monitoring ongoing market shifts can inform timely refinancing strategies to optimize long-term financial outcomes.
Digital Federal Credit Union
On June 19, 2025, Jumbo 15-Year Fixed Purchase loans maintain a steady rate at 5.375%, unchanged over the past week, reflecting stable yield spreads and borrowing costs for high-value homebuyers seeking shorter terms. Meanwhile, the Jumbo 30-Year Fixed Purchase loans also hold firm at 6.25%, with no movement in the last seven days, indicating consistent market conditions for longer-term jumbo financing.
The absence of rate fluctuations suggests predictable financing expenses for members in the jumbo loan segment, supporting informed mortgage planning. Borrowers prioritizing payment stability might consider the 15-year fixed option at 5.375%, currently the lowest available rate today. Evaluating these rates against individual financial goals remains crucial—members should analyze refinancing potential or fixed-rate strategies to manage long-term costs effectively.
Myconsumers
On June 19, 2025, Jumbo 15 Year Fixed Purchase loans maintain a stable rate at 5.50%, unchanged over the past week and month, reflecting steady borrowing costs for high-value homebuyers prioritizing shorter terms. Meanwhile, the Jumbo 30 Year Fixed Purchase rate has decreased by 12.5 basis points to 6.75% compared to one week ago, indicating a modest easing in long-term yield spreads while remaining flat month-over-month. For members considering high-balance financing, this shift slightly reduces the cost of borrowing on extended terms, potentially benefiting those balancing monthly payment affordability with loan duration. Given these trends, members should consider fixed-rate Jumbo options for predictable payments, especially if they value rate stability or are evaluating their mortgage strategy amid fluctuating market conditions.
Navy Federal Credit Union
As of June 19, 2025, the 15 Year Jumbo Purchase mortgage rate remains steady at a competitive 5.625% with a slight decrease of 12.5 basis points over the past 30 days, reflecting improved borrowing costs for high-value property buyers seeking shorter terms. Conversely, the 30 Year Jumbo Purchase rate has significantly decreased by 112.5 basis points compared to last week, now at 6.5%, easing long-term financing expenses for jumbo loan borrowers. This notable yield spread contraction suggests an opportunity for members prioritizing extended amortization to consider locking fixed rates amid favorable market shifts. Members aiming for stability may evaluate the 15 Year Jumbo option, while those focused on monthly payment affordability could reassess their strategy in light of the recent decline in 30 Year Jumbo rates. Careful analysis of these trends can guide optimized mortgage decisions aligned with individual financial goals.
North West Federal Credit Union
As of June 19, 2025, Jumbo purchase mortgage rates show a downward trend, with the 15-Year Fixed Rate at 5.875%, down 25 basis points (bps) from last week and 37.5 bps over the past month. Similarly, the 30-Year Fixed Rate Jumbo loan stands at 6.50%, reflecting a decline of 25 bps week-over-week and 37.5 bps compared to 30 days ago.
These reductions in yield spreads lower the overall cost of borrowing for high-value homebuyers, potentially improving affordability for those seeking larger loan amounts not covered by conventional limits. Borrowers prioritizing rate stability may benefit from locking in current fixed rates, while evaluating refinancing options could also be advantageous given recent declines.
Members should consider these data points carefully to align mortgage strategies with market conditions, especially when weighing long-term financial commitments on jumbo purchases.
Nuvisionfederal
As of June 19, 2025, the 30-Year Jumbo Purchase mortgage rate stands at 6.5% with 1.0 point. This reflects a 12.5 basis points increase compared to one week ago, indicating a modest upward adjustment in borrowing costs for jumbo loans. Over the past 30 days, however, the rate has decreased by 12.5 basis points, suggesting some recent easing in yield spreads.
For members pursuing high-value home purchases, this fluctuation underscores the importance of timing and rate monitoring. Borrowers prioritizing payment stability might consider locking in current fixed rates amid these shifts. Given the nuanced movements, evaluating mortgage strategies—including potential refinancing—can help optimize long-term financing costs in today’s evolving market environment.
Schoolsfirst Federal Credit Union
As of June 19, 2025, the 30-Year Jumbo Purchase mortgage rate remains steady at 7.125%, unchanged from both one week and one month ago. This stability in yield spreads means no immediate shift in the cost of borrowing for members seeking higher-value properties. For prospective jumbo loan borrowers, consistent rates allow for clearer budgeting without sudden payment fluctuations. First-time buyers targeting jumbo loans can plan financing strategies with confidence in current fixed rates. Veterans and refinancers should note this product’s status as unchanged, suggesting a stable market environment for evaluating purchase timing or considering refinancing options. Members prioritizing rate certainty may find fixed-rate jumbo mortgages advantageous amid steady pricing. Monitoring ongoing rate trends will remain essential for informed mortgage planning.
State Department Federal Credit Union
On June 19, 2025, Jumbo 15 Year Fixed Purchase loans maintain the lowest rate at 5.75% with a stable yield spread over the past week (0 bps change) but a significant decline of 62.5 basis points compared to 30 days ago, reflecting a decreased cost of borrowing for high-value homebuyers seeking shorter terms. The Jumbo 30 Year Fixed Purchase loan holds steady at 6.375%, unchanged from last week, yet down by 50 basis points month-over-month, offering extended-term financing with improved affordability. These rate trends suggest members prioritizing stability may benefit from fixed-rate jumbo products amid easing rates. Borrowers should evaluate refinancing opportunities or consider fixed-rate options to lock in favorable terms and mitigate future interest rate volatility.
The Golden 1 Credit Union
On June 19, 2025, the 30-Year Fixed Jumbo Purchase mortgage rate remains steady at 6.75%, showing no change over the past 7 or 30 days. This stability reflects unchanged yield spreads and consistent borrowing costs for high-value homebuyers. For members seeking large loan amounts, particularly in competitive markets, this rate continuity provides predictable financing expenses without recent upward pressure on interest rates. First-time buyers and veterans considering jumbo loans can assess their purchasing power with confidence, as cost variables have not shifted recently. Given this rate plateau, borrowers may consider fixed-rate options to secure long-term payment certainty or evaluate refinancing strategies if current loans exceed this benchmark. Maintaining awareness of such stable rate environments supports informed mortgage planning aligned with individual financial goals.
Zillow National Average
As summer approaches, mortgage rates are experiencing a slight cooling, reminiscent of a gentle breeze on a warm day. Today, the 15-Year Fixed Rate Jumbo has dipped by 0.10% to 6.406%, while the 30-Year Fixed Rate Jumbo saw a minor rise of 0.06% to 6.748%. For first-time buyers, this small decline can translate into significant savings—every basis point matters when budgeting for that dream home.
Refinancers might want to seize this moment; even a modest drop like this can reduce monthly payments and save tens of thousands over the life of the loan. Investors should keep an eye on market trends, as these shifts could impact rental yields and property appreciation.
Now might be the time to lock in favorable rates before potential hikes loom ahead, with the Fed hinting at future increases. Don’t miss out on today’s potential savings! For personalized guidance tailored to your financial goals, speak with a mortgage advisor today and stay informed as market conditions evolve.
Federal Reserve Economic Trends
U.S. Economic Update: A Shift in Mortgage Rates and Inflation Expectations
Today marks an intriguing shift in the mortgage landscape, particularly with Mortgage 30Yr VA Average Rates, which rose by 0.08 points over the past week. As inflation expectations remain stable, with the 10-year breakeven rate holding at 2.310, borrowers may find themselves in a pivotal moment for locking in rates.
Inflation directly influences interest rates, meaning even a slight increase can significantly impact your mortgage costs. For instance, a mere 0.10% hike on a $300,000 loan could add approximately $20 to monthly payments, translating to thousands over the loan's life.
In addition to the notable rise in VA rates, Mortgage 30Yr Jumbo Rates fell by 0.10 points over the last month—an opportunity for buyers seeking higher-end properties.
For first-time buyers or those considering refinancing, now is the time to consult with a mortgage advisor and assess your options before potential future increases.
Stay alert for Fed decisions and economic shifts that may reshape these trends—every basis point counts! Locking in rates now could save you significant money down the line!
LendMesh
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Conclusion
Looking ahead, even small tweaks in mortgage rates can ripple through your finances more than you might expect—a quarter-point change on a jumbo loan could mean hundreds less or more each month on your mortgage payment. That makes today’s stability in many credit union offerings particularly reassuring for savvy buyers and refinancers. If you’re considering refinancing or purchasing soon, locking in a competitive 15-year fixed jumbo rate near 5.375% from Digital Federal Credit Union might be your sweet spot between manageable payments and shorter loan duration. Keep an eye on inflation trends too; they often set the tone for future rate moves. Above all, stay proactive—rate shifts can come swiftly, but having clarity on where the market stands right now means you can act confidently when the timing feels right for you and your family’s goals. Remember, this isn’t just about numbers—it’s about building your home and financial future on solid ground.