Introduction
On November 20, 2025, mortgage rates are showing subtle shifts that could affect your homebuying or refinancing plans. While jumbo loans at Credit Unions like Community First Credit Union of Florida remain steady with a 4.875% rate on 30-year fixed jumbo mortgages, Zillow reports a slight dip in jumbo 30-year fixed rates, now at 6.162%, down nearly 12 basis points from last week. Meanwhile, the Federal Reserve’s data signals mixed movements in average rates and inflation expectations holding steady near 2.3%. If you’re eyeing a jumbo loan or a purchase with a shorter term, these nuanced changes matter. Here’s what you need to know before locking in a rate to make the most informed decision for your financial future.
New Purchase - Jumbo 15 yrs Fixed
Lender
2025-11-20
(Current Day)
(Current Day)
2025-11-13
(7 Days Ago)
(7 Days Ago)
2025-11-05
(15 Days Ago)
(15 Days Ago)
2025-10-21
(30 Days Ago)
(30 Days Ago)
2025-10-06
(45 Days Ago)
(45 Days Ago)
2025-09-21
(60 Days Ago)
(60 Days Ago)
2025-08-22
(90 Days Ago)
(90 Days Ago)
2025-05-24
(180 Days Ago)
(180 Days Ago)
5.38%
5.38%
5.38%
5.25%
-12.5 bps
5.38%
5.25%
-12.5 bps
5.63%
+25 bps
5.88%
+50 bps
4.88%
4.75%
-12.5 bps
4.88%
4.63%
-25 bps
4.75%
-12.5 bps
4.50%
-37.5 bps
5.00%
+12.5 bps
5.50%
5.38%
-12.5 bps
5.38%
-12.5 bps
5.25%
-25 bps
5.50%
5.38%
-12.5 bps
5.75%
+25 bps
New Purchase - Jumbo 30 yrs Fixed
Lender
2025-11-20
(Current Day)
(Current Day)
2025-11-13
(7 Days Ago)
(7 Days Ago)
2025-11-05
(15 Days Ago)
(15 Days Ago)
2025-10-21
(30 Days Ago)
(30 Days Ago)
2025-10-06
(45 Days Ago)
(45 Days Ago)
2025-09-21
(60 Days Ago)
(60 Days Ago)
2025-08-22
(90 Days Ago)
(90 Days Ago)
2025-05-24
(180 Days Ago)
(180 Days Ago)
4.88%
4.88%
4.88%
4.63%
-25 bps
5.25%
+37.5 bps
5.25%
+37.5 bps
5.50%
+62.5 bps
6.00%
5.88%
-12.5 bps
5.88%
-12.5 bps
5.75%
-25 bps
6.00%
5.88%
-12.5 bps
6.25%
+25 bps
6.13%
6.00%
-12.5 bps
6.00%
-12.5 bps
5.88%
-25 bps
6.25%
+12.5 bps
6.25%
+12.5 bps
6.50%
+37.5 bps
ALOHA PACIFIC FEDERAL CREDIT UNION
As of November 20, 2025, the 30 Year Jumbo Fixed Purchase mortgage rate remains steady at 5.0%, showing no change over the past week or month. This stability in jumbo loan yields indicates consistent borrowing costs for members seeking higher-value home purchases. For buyers considering jumbo loans, the lack of rate fluctuation offers predictable payment planning without sudden yield spread shifts. Given this rate steadiness, borrowers prioritizing long-term fixed payments can evaluate fixed-rate jumbo options confidently. Members with jumbo loan needs should continue monitoring market movements and assess refinancing if rates decline sufficiently to offset closing costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.
ALTURA FEDERAL CREDIT UNION
On November 20, 2025, ALTURA reports stable mortgage rates for jumbo fixed-rate purchase loans. The 15 Year Jumbo Fixed rate remains at a competitive 5.125%, unchanged from one week ago but up by 25 basis points compared to 30 days prior. Meanwhile, the 30 Year Jumbo Fixed rate increased by 12.5 basis points over the past week to 5.875%, marking a total rise of 25 basis points in the last month.
These rate shifts indicate a modest increase in the cost of borrowing for jumbo loans, impacting borrowers seeking long-term financing stability or shorter payoff periods. Members considering high-balance purchases should assess whether locking in current fixed rates aligns with their financial strategy amid these rising yield spreads.
Given the current trends, borrowers may want to evaluate fixed-rate options carefully and consider refinancing if potential savings exceed associated costs.
For details, visit https://www.alturacu.com/products/home-loans/purchasing/.
CERTIFIED FEDERAL CREDIT UNION
As of November 20, 2025, 15-Year Fixed Purchase loans maintain the lowest rate at 5.125%, unchanged over the past 7 and 30 days, reflecting stable yield spreads for shorter-term fixed financing. Similarly, the 30-Year Fixed Purchase mortgage remains steady at 5.875%, with no movement in the past month. This stability in rates suggests a consistent cost of borrowing, benefiting buyers seeking predictable payment structures without recent volatility.
For first-time homebuyers and those prioritizing long-term affordability, the unchanged 15-Year Fixed rate supports budgeting certainty and faster principal reduction. Meanwhile, purchasers targeting longer terms can rely on the steady 30-Year Fixed rate to plan cash flow effectively.
Members should evaluate their mortgage strategies in light of this rate consistency; considering fixed-rate options may provide financial predictability amid broader market fluctuations. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
COLUMBIA COMMUNITY CREDIT UNION
As of November 20, 2025, Jumbo 15-year fixed purchase loans hold the lowest rate at 5.0% with 1.0 point, unchanged over the past week but up 12.5 basis points from 30 days ago. Meanwhile, the Jumbo 30-year fixed purchase rate remains steady at 6.125% with 1.0 point, showing no change week-over-week but increasing by 37.5 basis points compared to one month prior. These yield spreads indicate a rising cost of borrowing for longer terms, impacting borrowers prioritizing extended payment periods.
Members considering large loan amounts should evaluate the trade-off between higher long-term rates and shorter fixed terms; those seeking payment stability might find value in the 15-year fixed Jumbo product despite recent rate increases. Given current trends, it is advisable to review refinancing options if potential savings exceed associated costs.
For details, visit https://www.columbiacu.org/home-loans/.
COMMUNITY FIRST CREDIT UNION OF FLO CREDIT UNION
As of November 20, 2025, 30-year Fixed Jumbo Mortgages at Community First Credit Union of FLO remain steady at 4.875%, unchanged from one week ago but up by 25 basis points compared to 30 days prior. This increase in yield spreads reflects a moderate rise in the cost of borrowing for higher-value home purchases. For members seeking jumbo loans, this stability over the past week provides clarity for budgeting, although the month-over-month uptick suggests evaluating long-term affordability carefully. Borrowers prioritizing payment predictability may consider locking in fixed rates now to mitigate potential future increases. Those weighing refinancing options should analyze whether current savings justify transaction costs given recent rate trends. For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.
DESERT FINANCIAL CREDIT UNION
As of November 20, 2025, DESERT FINANCIAL reports stable mortgage rates for Jumbo Fixed Rate Purchase loans. The 15-year Jumbo Fixed Rate at 5.375% remains unchanged from one week ago but has increased by 12.5 basis points compared to 30 days prior. Similarly, the 30-year Jumbo Fixed Rate holds steady at 6.0%, showing no change over the past week but up by 12.5 basis points since last month.
These shifts reflect modest upward pressure on borrowing costs for jumbo loan borrowers, impacting those seeking longer-term financing options for high-value properties. Members considering a shorter loan term may find relative yield stability in the 15-year fixed option, currently the lowest rate available among today’s jumbo offerings.
Given this environment, members should evaluate locking in fixed-rate terms to manage interest rate risk and consider refinancing only if potential savings outweigh associated costs. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.
DIGITAL FEDERAL CREDIT UNION
As of November 20, 2025, Jumbo 15-Year Fixed and Jumbo 30-Year Fixed purchase mortgage rates remain unchanged from last week at 5.375% and 6.00%, respectively. Compared to one month ago, both products show an increase of 25 basis points, reflecting a moderate rise in the cost of borrowing for high-value home purchases. The yield spread expansion over recent weeks suggests tighter lending conditions impacting jumbo loans.
For members prioritizing shorter-term financing, the Jumbo 15-Year Fixed offers the lowest rate today at 5.375%, potentially reducing total interest expense despite higher monthly payments. Those considering longer amortization may find the Jumbo 30-Year Fixed at 6.00% suitable for managing monthly cash flow but should account for increased cumulative interest.
Given these trends, members should evaluate their mortgage strategy carefully; locking in fixed rates may provide stability amid rising yields. Additionally, consider refinancing only if projected savings outweigh closing costs over your planned loan horizon.
For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.
ENT CREDIT UNION
On November 20, 2025, Jumbo 15-Year Fixed purchase rates remain stable at 5.375%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. Meanwhile, the Jumbo 30-Year Fixed purchase rate increased by 12.5 basis points over the past week to 6.125%, marking a 25 basis point rise relative to a month ago. These shifts indicate a modest upward trend in long-term borrowing costs for jumbo loans, affecting borrowers seeking larger loan amounts. Members prioritizing payment stability may find the 15-year fixed jumbo option at 5.375% more cost-effective over time due to its lower rate and shorter term. Given these movements, evaluating refinancing opportunities or locking in current fixed rates could mitigate further expense increases amid yield spread volatility.
For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates
HUDSON VALLEY CREDIT UNION
As of November 20, 2025, 15-Year Fixed Jumbo purchase rates stand at 4.875% with 0.75 points, marking a 12.5 basis point increase over the past week and a 25 basis point rise from 30 days ago. Similarly, the 30-Year Fixed Jumbo purchase rate is at 6.0% with 0.375 points, also up by 12.5 basis points week-over-week and 25 basis points compared to one month prior. These upward movements indicate a tightening in yield spreads for jumbo loans, increasing the cost of borrowing for high-value property buyers. Members seeking long-term financing stability may find evaluating fixed-rate options prudent given this trend. For those considering large loan amounts, assessing refinancing opportunities could help mitigate rising costs if projected savings exceed associated fees. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.
WHATCOM EDUCATIONAL CREDIT UNION
As of November 20, 2025, Jumbo 15-Year Fixed and Jumbo 30-Year Fixed purchase rates have increased by 12.5 basis points compared to last week. The 15-year jumbo fixed rate now stands at 5.50%, up from 5.375%, while the 30-year jumbo fixed rate rose to 6.125% from 6.00%. Both products show a notable increase of 25 basis points over the past 30 days, reflecting a modest rise in the cost of borrowing for high-value home purchases.
These upward movements may impact buyers prioritizing lower monthly payments or longer-term affordability, especially in jumbo loan segments. Members should consider their mortgage horizon carefully; those valuing payment stability might find fixed-rate options appropriate despite recent yield spread expansions. Evaluating refinancing options remains prudent if long-term savings surpass refinancing costs given current rate trends.
For details, visit https://www.wecu.com/homeloans/purchase/.
Zillow National Average
As of November 20, 2025, mortgage rates have generally trended downward. The 15-Year Fixed Rate Jumbo has decreased to 6.111%, reflecting a change of -0.29% from yesterday. Similarly, the 30-Year Fixed Rate Jumbo is now at 6.162%, down by 0.27% from the previous day. Over the past week, both loan types have shown minor declines, with the most significant change occurring in the 30-Year Fixed Rate Jumbo, which fell by 0.12%. Borrowers may find these slight reductions beneficial as they evaluate their financing options; however, rates remain elevated compared to historical averages. It is advisable for potential homeowners to consider locking in these current rates to manage borrowing costs effectively.
Federal Reserve Economic Trends
Current inflation expectations, as indicated by the Breakeven Inflation Rates, show a slight decline over recent weeks. This impacts mortgage rates significantly, with the Mortgage 30Yr Average Rates experiencing the largest drop of 6.24 points in just seven days. Meanwhile, the Mortgage 30Yr Va Average Rates rose by 0.17 points over the last month, highlighting variability in borrowing costs. The lowest mortgage rate recorded is 5.933% for VA loans. As inflationary pressures influence the yield curve, borrowers should monitor these changes closely; adapting to shifting rates can lead to more favorable financing options. Staying informed about these indicators can assist in making prudent financial decisions regarding home financing.
LendMesh
Every mortgage journey is unique, and so is every buyer’s story. Maybe you’re navigating the process for the first time, or maybe you’re a seasoned homeowner looking for a smarter refinance. Either way, LendMesh is here for you. We’re proud to partner with institutions big and small, from household-name banks to community credit unions who know your local market inside and out. Our expert-written guides and side-by-side comparisons mean you always have the information you need, without the hassle or guesswork. Want to see what’s out there? Visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, homebuying doesn’t have to be complicated—it can even be inspiring.
Conclusion
Even small changes in mortgage rates can add up over time, an eighth of a percent might seem minor but can increase monthly payments by tens of dollars and raise total interest paid by thousands over the life of a loan. With today’s lowest rate at 4.875% for a 30-year fixed jumbo loan from Community First Credit Union of Florida, buyers and refinancers should weigh their options carefully. Consider locking in if rates align with your budget and long-term goals since inflation expectations remain stable, suggesting no drastic jumps ahead. For homeowners, keeping an eye on incremental shifts like those reported by FRED on FHA and VA loans helps plan refinancing strategies wisely. Staying patient yet proactive will ensure you capture the best deal without rushing into unnecessary costs.