Introduction
As of August 28, 2025, the mortgage market is offering a glimmer of relief for jumbo loan seekers and homebuyers alike. After weeks of steady increases, several credit unions are now quietly trimming rates on their jumbo 15- and 30-year fixed mortgages. Take Aberdeen Proving Ground Credit Union, for example — their jumbo 15-year fixed rate has dipped to 5.75%, and the 30-year fixed jumbo dropped to 6.50%, both easing by 12.5 basis points just this past week. Zillow’s national averages echo this trend with the 15-year jumbo fixed rate slipping to 6.22% and the 30-year jumbo fixed rate nudging down to 6.37%. Meanwhile, inflation expectations measured by the Federal Reserve's breakeven rates are inching up slightly, reminding us that economic forces are still at play behind these shifts. If you’ve been holding your breath waiting for a better moment to lock in a mortgage, today might be it. Here’s what you need to know before locking in a rate: with some of the lowest jumbo rates seen recently now available from trusted credit unions and supported by Zillow’s data, savvy buyers and refinancers can take advantage of these subtle yet meaningful dips to save thousands over time.
New Purchase - Jumbo 15 yrs Fixed
Lender
2025-08-28
(Current Day)
(Current Day)
2025-08-21
(7 Days Ago)
(7 Days Ago)
2025-08-13
(15 Days Ago)
(15 Days Ago)
2025-07-29
(30 Days Ago)
(30 Days Ago)
2025-07-14
(45 Days Ago)
(45 Days Ago)
2025-06-29
(60 Days Ago)
(60 Days Ago)
2025-05-30
(90 Days Ago)
(90 Days Ago)
Aberdeen Proving Ground
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
Desert Financial
5.50%
5.50%
5.50%
5.75%
+25 bps
5.75%
+25 bps
5.50%
5.88%
+37.5 bps
Hudson Valley
4.88%
5.00%
+12.5 bps
5.00%
+12.5 bps
5.13%
+25 bps
5.38%
+50 bps
5.00%
+12.5 bps
Navy Federal Credit Union
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.63%
5.63%
5.75%
+12.5 bps
Northwest
5.38%
5.50%
+12.5 bps
5.63%
+25 bps
5.63%
+25 bps
5.75%
+37.5 bps
5.63%
+25 bps
6.25%
+87.5 bps
Together
5.50%
5.63%
+12.5 bps
5.38%
-12.5 bps
5.50%
Tower
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
Whatcom Educational
5.63%
5.75%
+12.5 bps
5.63%
5.75%
+12.5 bps
New Purchase - Jumbo 30 yrs Fixed
Lender
2025-08-28
(Current Day)
(Current Day)
2025-08-21
(7 Days Ago)
(7 Days Ago)
2025-08-13
(15 Days Ago)
(15 Days Ago)
2025-07-29
(30 Days Ago)
(30 Days Ago)
2025-07-14
(45 Days Ago)
(45 Days Ago)
2025-06-29
(60 Days Ago)
(60 Days Ago)
2025-05-30
(90 Days Ago)
(90 Days Ago)
Aberdeen Proving Ground
6.50%
6.63%
+12.5 bps
6.63%
+12.5 bps
6.63%
+12.5 bps
Community First Credit Union Of Flo
5.50%
5.50%
5.50%
5.50%
5.50%
Desert Financial
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.50%
+25 bps
6.50%
+25 bps
6.38%
+12.5 bps
6.75%
+50 bps
Hudson Valley
6.25%
6.38%
+12.5 bps
6.25%
6.38%
+12.5 bps
6.63%
+37.5 bps
6.38%
+12.5 bps
Navy Federal Credit Union
7.25%
7.25%
7.25%
7.38%
+12.5 bps
6.38%
-87.5 bps
6.50%
-75 bps
6.63%
-62.5 bps
Northwest
6.00%
6.13%
+12.5 bps
6.25%
+25 bps
6.50%
+50 bps
6.50%
+50 bps
6.38%
+37.5 bps
6.88%
+87.5 bps
Nuvision
6.00%
6.00%
6.25%
+25 bps
6.25%
+25 bps
6.38%
+37.5 bps
Together
6.25%
6.38%
+12.5 bps
6.13%
-12.5 bps
6.25%
Tower
6.63%
6.63%
6.63%
6.75%
+12.5 bps
6.75%
+12.5 bps
Whatcom Educational
6.38%
6.50%
+12.5 bps
6.50%
+12.5 bps
6.63%
+25 bps
Aberdeen Proving Ground
On August 28, 2025, Jumbo mortgage rates in Aberdeen Proving Ground show a modest decline in borrowing costs. The Jumbo 15 Year Fixed rate decreased by 12.5 basis points, settling at 5.75%, the lowest among today’s offerings. Similarly, the Jumbo 30 Year Fixed dropped by 12.5 basis points to 6.50%. These yield spread reductions indicate slightly improved affordability for high-balance homebuyers.
For members pursuing new purchases in the jumbo category, this downward adjustment can lower monthly payments and total interest expense over time. Given the stability of fixed terms, borrowers valuing predictable costs may find these rates particularly advantageous. Evaluating refinancing options under these conditions could also yield savings for existing jumbo loan holders.
Members are encouraged to review their mortgage strategies with an emphasis on fixed-rate products to optimize long-term financial planning amid evolving market yields.
Community First Credit Union Of Flo
On August 28, 2025, the 30-year Jumbo Mortgage Purchase rate remains steady at 5.5%, with no change over the past week or month. This stability in yield spreads indicates a consistent cost of borrowing for high-value property buyers. For members seeking jumbo loans, this rate constancy allows for predictable budgeting without sudden increases in interest expenses. First-time jumbo buyers and those planning large-scale purchases can benefit from this fixed-rate environment by locking in terms without concern for near-term rate volatility. Given the unchanged rate, members should evaluate fixed-rate options if stability is a priority and consider their timing carefully before initiating financing decisions to optimize long-term affordability.
Desert Financial
On August 28, 2025, Jumbo 15 Year Fixed Rate Purchase loans hold the lowest rate at 5.50%, unchanged over the past week but down 25 basis points (bps) from 30 days ago, signaling a modest easing in borrowing costs for high-value homebuyers seeking shorter terms. Meanwhile, Jumbo 30 Year Fixed Rate Purchase mortgages decreased by 12.5 bps week-over-week to 6.25%, a 25 bps decline compared to one month prior, reflecting improved yield spreads for extended loan durations. These shifts suggest favorable conditions for borrowers prioritizing long-term payment stability or accelerated payoff schedules. Members should consider fixed-rate jumbo options to mitigate future interest rate volatility and evaluate refinancing strategies to capitalize on recent cost reductions in jumbo loan segments.
Hudson Valley
On August 28, 2025, 15-Year Fixed Jumbo Purchase loans offer the lowest rate at 4.875%, reflecting a 12.5 basis points decrease from last week and a 25 basis points decline over the past 30 days. This narrowing yield spread reduces the cost of borrowing for buyers seeking shorter terms. Meanwhile, the 30-Year Fixed Jumbo Purchase rate stands at 6.25%, down 12.5 basis points week-over-week and month-over-month, signaling modest easing in longer-term jumbo loan costs.
For borrowers prioritizing predictability, the declining fixed rates present an opportunity to lock in favorable terms. Buyers with larger loan amounts may benefit from evaluating these recent reductions to optimize financing costs. Given current trends, members should consider fixed-rate options if stability is essential or assess refinancing strategies to capitalize on improved jumbo loan pricing.
Navy Federal Credit Union
As of August 28, 2025, Conventional 15 Year Jumbo Purchase loans maintain the lowest rate at 5.625% with a minimal weekly change of +0 basis points, reflecting stable yield spreads for borrowers seeking shorter-term jumbo financing. Over the past 30 days, this rate has decreased by 12.5 basis points, indicating a modest easing in the cost of borrowing for high-balance purchases.
Conversely, the Homebuyers Choice 30 Year Jumbo Purchase program remains steady at 7.25%, unchanged over the last week but down by 12.5 basis points month-over-month. This longer-term jumbo option continues to present higher costs, impacting affordability for buyers prioritizing lower monthly payments over loan term.
Members should consider these dynamics carefully: those valuing payment stability may find fixed-rate options appropriate, while potential buyers should evaluate how recent rate declines could influence overall financing expenses and long-term strategy.
Northwest
On August 28, 2025, Jumbo 15 Year Fixed Rate Purchase loans offer the lowest rate at 5.375% with 0.75 points, reflecting a decline of 12.5 basis points compared to last week and 25 basis points over the past 30 days. This contraction in yield spreads reduces the cost of borrowing for high-value buyers seeking shorter-term financing stability. Meanwhile, the Jumbo 30 Year Fixed Rate Purchase loan stands at 6.00% with identical points, down 12.5 basis points weekly and a more pronounced 50 basis point decrease monthly, benefiting borrowers prioritizing long-term affordability despite higher overall rates.
Members evaluating jumbo loans should consider fixed-rate options to lock in current yields amid downward trends. Those weighing purchase decisions may find improved cost structures advantageous for portfolio diversification or asset acquisition strategies. Monitoring these shifts supports informed mortgage planning aligned with individual financial goals.
Nuvision
As of August 28, 2025, the 30-Year Jumbo Purchase mortgage rate remains steady at 6.00%, unchanged over the past week. This represents a 25 basis point decrease from 30 days ago, signaling a modest easing in borrowing costs for high-value homebuyers. For members considering jumbo loans, this stable yield spread suggests an opportunity to lock in competitive fixed rates without immediate upward pressure.
First-time buyers and those refinancing with jumbo loan needs should note that while rates have plateaued recently, the month-over-month decline may reduce long-term financing expenses. Given current market conditions, evaluating fixed-rate jumbo options could provide cost predictability amid potential rate volatility.
Members are encouraged to assess their mortgage strategy carefully, factoring in these recent adjustments to optimize borrowing terms aligned with financial goals.
Together
On August 28, 2025, 15-Year Jumbo Purchase loans show a decline of 12.5 basis points, with rates dropping to 5.50%, marking the lowest rate among jumbo options today. The 30-Year Jumbo Purchase rate also decreased by 12.5 basis points to 6.25%, holding steady over the past month. These marginal yield spread compressions lower the cost of borrowing slightly for high-value property buyers, particularly benefiting those seeking shorter-term debt amortization or longer financing horizons.
Members considering jumbo loans should evaluate fixed-rate options for rate stability amid modest volatility. With no significant change over 30 days, borrowers might also review refinancing strategies to optimize long-term financial outcomes given current market yields. This data underscores the importance of tailoring mortgage decisions to individual cash flow and investment goals.
Tower
On August 28, 2025, 15 Year Jumbo Purchase loans remain at a competitive rate of 5.625%, holding steady over the past week with no change in yield spread, but reflecting a modest 12.5 basis points decrease over 30 days. Similarly, the 30 Year Jumbo Purchase loan with 100% financing is unchanged at 6.625%, also down 12.5 basis points month-over-month. These stable rates suggest consistent borrowing costs for high-value homebuyers seeking jumbo financing. Members considering large purchases may benefit from locking in these rates, especially if prioritizing shorter-term fixed payments with the 15 Year Jumbo option, which offers the lowest rate today. Evaluating mortgage strategies to align term preferences with current yields can optimize long-term financial outcomes amid relatively stable jumbo market conditions.
Whatcom Educational
On August 28, 2025, Jumbo 15-Year Fixed Purchase loans offer the lowest rate at 5.625%, down 12.5 basis points from last week and the past 30 days, signaling a modest decline in borrowing costs for high-value homebuyers seeking shorter terms. Meanwhile, Jumbo 30-Year Fixed Purchase loans stand at 6.375%, improving by 12.5 basis points week-over-week and a notable 25 basis points month-over-month, reflecting reduced yield spreads in long-term financing.
These shifts benefit borrowers prioritizing cost predictability or planning significant purchases in the jumbo market segment. Given the downward trend, members should evaluate fixed-rate jumbo options for stability and consider their mortgage strategy carefully to optimize long-term affordability amid fluctuating market rates.
Zillow National Average
As the summer heat begins to wane, mortgage rates are showing a gradual cooling trend, particularly in the 15-Year Fixed Rate Jumbo, which ticked up slightly by 0.01% today. Over the past week, however, the 30-Year Fixed Rate Jumbo has seen a more substantial drop of 0.09%, reflecting a potential shift that could benefit first-time homebuyers looking to make a move.
Today’s rates remain mixed, but even small adjustments can have significant implications; for instance, a mere 0.25% increase can add tens of thousands to your total mortgage cost over 30 years. This is crucial for first-time buyers who might find their monthly payments impacted just enough to influence their home-buying decisions.
Now might be the perfect time to lock in your rate if you're considering purchasing or refinancing. With the Fed hinting at potential future rate hikes, acting sooner rather than later could lead to substantial savings. For long-term investors, keeping an eye on these fluctuations will help you navigate your options wisely.
With Zillow’s real-time data at your fingertips, speak with a mortgage advisor today to explore what works best for you as market conditions continue to evolve. Don’t miss out on today’s potential savings—every basis point counts!
Federal Reserve Economic Trends
In a surprising turn of events, Mortgage 30-Year Average Rates have plunged by 6.58 points over the past week, presenting an intriguing opportunity for homebuyers and investors alike. As inflation expectations stabilize—with the Breakeven Inflation Rate holding steady at 2.430%—mortgage rates are reflecting this calm in the economy, making it an ideal time for refinancing or purchasing.
Even small shifts in these rates can significantly impact your finances; for example, a mere 1% increase on a $300,000 mortgage could add over $50 to your monthly payment. This week’s notable declines in Mortgage 30-Year FHA and VA Average Rates underscore the potential for savings.
For first-time buyers and long-term investors, monitoring these fluctuations is crucial. Consulting with a mortgage advisor can help you lock in advantageous rates before any unexpected Fed decisions shift the landscape. Stay vigilant, as today's opportunities may not last!
LendMesh
Every homebuyer’s journey is unique, but the need for trustworthy information is universal. That’s why LendMesh brings together a wide network of banks and credit unions, offering you the best mortgage rates and personal guidance you won’t find anywhere else. Our mission is to simplify the complex, whether you’re curious about pre-qualification, interested in refinancing, or planning a long-term financial future. We combine human stories with financial know-how, making it easier for you to step into the home you love. Take your next step by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . because at LendMesh, your story matters.
Conclusion
Looking ahead, it’s clear that even small movements in mortgage rates can ripple through your wallet in surprising ways. For example, a drop of just one-eighth of a percent on a $500,000 jumbo loan could shave off hundreds from your monthly payments and save tens of thousands over the life of the loan. With credit unions like Aberdeen Proving Ground and Desert Financial offering some of today’s lowest jumbo rates around 5.50% to 6.50%, now is an opportune moment for buyers and refinancers to act thoughtfully but decisively. Keep in mind that while inflation expectations are nudging higher, mortgage rates aren’t locked into a straight path — they ebb and flow with broader economic currents. If you’re considering buying or refinancing soon, don’t wait for perfect conditions that may never arrive; instead, focus on securing terms that fit your budget comfortably today. Remember, your best move is often simply making a smart decision sooner rather than later — because every basis point counts when it comes to building your financial future and turning those house keys into home sweet home.