January 15, 2026 | Jumbo Fixed Mortgage Rates Drop to 4.375% Today

As of January 15, 2026, 15-Year Jumbo Fixed Purchase rates have decreased by 25 basis points from last week to 4.875%, marking the lowest rate available today. Similarly, the 30-Year Jumbo Fixed Purchase rate declined by 12.5 basis points over the past seven days to 5.625%, reflecting a notable easing in long-term borrowing costs. Compared to 30 days ago, both terms show a reduction of 25 basis points, indicating a modest downward trend in jumbo loan yields.

These shifts may benefit borrowers seeking predictability with fixed payments, especially high-balance purchasers managing cash flow through shorter or standard loan durations. Members should evaluate if locking in current rates aligns with their financial goals, particularly given recent improvements in jumbo loan pricing. Consider your mortgage strategy carefully; refinancing options might reduce overall interest expense when rate differentials exceed closing costs.

For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of January 15, 2026, Jumbo 15 Year Fixed Rate purchase loans are available at 5.125% with 1.0 points, reflecting a decrease of 12.5 basis points compared to last week and the past 30 days. This reduced yield spread lowers borrowing costs for high-value homebuyers seeking shorter terms. Meanwhile, the Jumbo 30 Year Fixed Rate stands at 5.75% with 1.25 points, down 12.5 basis points from last week and 25 basis points over the last month, signaling improved affordability for those prioritizing long-term fixed payments.

Members considering jumbo loans should evaluate whether locking in these slightly lower fixed rates aligns with their financial goals. Shorter-term fixed options may benefit buyers aiming to minimize interest expense, while longer terms offer payment stability amid recent rate declines. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

On January 15, 2026, Jumbo 15-Year Fixed Purchase rates remain steady at 5.125%, unchanged from last week but down 25 basis points compared to 30 days ago. This stability in shorter-term jumbo loans offers predictable costs for borrowers prioritizing faster payoff schedules. Meanwhile, the Jumbo 30-Year Fixed Purchase rate declined by 25 basis points week-over-week to 5.625%, marking a notable 37.5 basis point decrease over the past month. This reduction lowers the long-term cost of borrowing for high-value homebuyers seeking extended payment terms.

Members considering jumbo loans should evaluate fixed-rate options if they value payment certainty; those with longer horizons may benefit from recent declines in 30-year rates. Careful assessment of refinancing opportunities is advisable when potential savings exceed associated costs.

For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

On January 15, 2026, 15 Year Jumbo Mortgage rates remain stable at a competitive 4.375%, matching last week’s yield and representing the lowest rate among today’s jumbo options. This stability reduces borrowing cost volatility for buyers seeking shorter-term fixed financing. Meanwhile, the 30 Year Jumbo Mortgage rate declined by 25 basis points to 5.375% over the past week, reflecting easing yield spreads and potentially lowering long-term financing costs for borrowers prioritizing extended terms.

For members considering jumbo loans, these movements suggest an opportunity to evaluate term preferences carefully: shorter terms maintain consistent costs, while longer terms may offer improved affordability given recent declines. Members should assess their mortgage strategy against current rates and market trends; those valuing payment predictability might favor fixed 15-year options, whereas others could consider refinancing the 30-year jumbo if savings surpass associated expenses.

For details, visit https://www.fairwinds.org/rates#:~:text=Apply%20Now-,Mortgages,-Fixed%20Rate.

On January 15, 2026, HUDSON VALLEY members seeking a 15-Year Fixed Jumbo Purchase mortgage can expect a rate of 4.875%, marking a decrease of 12.5 basis points compared to last week and a slight increase of 12.5 basis points from 30 days ago. This reduction in yield spreads lowers the cost of borrowing for borrowers prioritizing shorter-term stability. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.0%, unchanged over the past week but up by 12.5 basis points month-over-month, signaling consistent long-term borrowing costs.

Members considering jumbo loans should assess their time horizon; those valuing predictable payments may benefit from the lower 15-year fixed rate, while others might weigh the stable 30-year rate despite its recent modest rise. Evaluating refinancing options or purchase strategies based on these movements could optimize long-term financial outcomes.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 15, 2026, Navy Federal Credit Union’s mortgage rates show a decline across jumbo fixed-rate purchase loans. The Conventional 15 Year Jumbo fixed-rate stands at 5.25% with 0.25 points, down by 12.5 basis points from one week ago and 37.5 basis points over the last 30 days. Similarly, the Homebuyers Choice 30 Year Jumbo fixed-rate is now 6.625% with 0.5 points, reflecting a decrease of 12.5 basis points week-over-week and 37.5 basis points month-over-month.

These shifts indicate a modest reduction in borrowing costs for jumbo loan borrowers, potentially benefiting high-value homebuyers seeking predictable payments over 15 or 30 years. Members evaluating purchase options may find value in locking fixed rates amid this downward trend to mitigate future market volatility.

Given these developments, members should consider how declining yields impact long-term affordability and assess whether fixed-rate jumbo mortgages align with their financial strategy.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of January 15, 2026, Jumbo Fixed Rate Purchase loans show a modest decline in borrowing costs. The 15-Year Jumbo Fixed Rate stands at 5.125% with 0.75 points, down 12.5 basis points from last week and the lowest rate in this category over the past six months. Similarly, the 30-Year Jumbo Fixed Rate decreased by 25 basis points to 5.5% with 0.75 points, marking a notable easing compared to rates from one month ago.

These reductions improve affordability for borrowers seeking higher loan amounts, particularly benefiting those prioritizing shorter terms or longer amortizations with predictable payments. Members considering large purchase loans should evaluate fixed-rate options now to lock in favorable yields amid recent yield spread tightening.

Given these trends, members may find it prudent to assess their mortgage strategies carefully; for example, shorter-term fixed loans can reduce total interest expense, while longer terms may aid cash flow management.

Consider refinancing if potential savings exceed transaction costs based on current rate improvements.

For details, visit https://nwfcu.mortgagewebcenter.com/?_ga=2.205088470.712896961.1724675500-146973136.1715609985&_gl=1*1unbxkh*_gcl_au*MTYxNjQ2ODc0MS4xNzUwMDE4MzA4*_ga*MTcxOTU0ODgyNy4xNzUwMDE4MzA5*_ga_WKPGKRE27F*czE3NTAwMTgzMDgkbzEkZzEkdDE3NTAwMjAwNTkkajMxJGwwJGgw

As of January 15, 2026, 15-Year Fixed Purchase mortgage rates have decreased to 5.00%, down 12.5 basis points from last week and 25 basis points lower than one month ago. Similarly, the 30-Year Fixed Purchase rate stands at 5.625%, marking a 25 basis point drop over the past seven days and a 37.5 basis point decline compared to 30 days prior. These downward shifts reduce borrowing costs, particularly benefiting homebuyers locking in long-term fixed payments. First-time buyers may find the lower 15-year fixed rate appealing for accelerated equity building, while those prioritizing manageable monthly payments might consider the still competitive 30-year fixed option. Given this trend, members should evaluate their mortgage strategies; for example, considering refinancing if potential savings outweigh associated fees or opting for fixed-rate products to secure predictable payments amid market fluctuations. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of January 15, 2026, 15-Year Fixed Jumbo Purchase loans offer the lowest rate at 6.0%, down by 25 basis points from last week and a similar decline over the past 30 days. Similarly, the 30-Year Fixed Jumbo Purchase rate decreased by 25 basis points to 6.5% compared to both one and four weeks ago. These yield improvements reduce the overall cost of borrowing for jumbo loan applicants, potentially enhancing affordability for high-value property buyers. Borrowers focused on long-term stability may find the fixed-rate jumbo products advantageous given recent downward rate shifts. Members considering financing options should evaluate their mortgage strategy in light of these trends; particularly, those planning purchases might benefit from locking rates now while spreads remain favorable. For details, visit https://www.ssfcu.org/rates/home-loan-rates.

On January 15, 2026, 15-year Jumbo fixed-rate purchase loans remain at a competitive 5.5%, unchanged from both one week and one month ago, representing the lowest rate in today’s Jumbo offerings. Similarly, the 30-year Jumbo fixed-rate purchase loan holds steady at 5.625%, showing no variation over the past seven or thirty days. These stable rates reflect consistent yield spreads in the jumbo mortgage market, maintaining current borrowing costs for high-value property buyers.

For members pursuing Jumbo financing, especially those prioritizing shorter-term payoff horizons, the 15-year fixed Jumbo option at 5.5% offers a lower interest rate that can reduce total interest expense despite slightly higher monthly payments. Meanwhile, borrowers seeking longer-term stability may find the unchanged 30-year Jumbo fixed rate of 5.625% suitable for balancing monthly cash flow with manageable costs.

Given this rate stability, members should evaluate their mortgage strategy carefully; consider locking in fixed rates if you value predictability or explore refinancing only if potential savings exceed transaction expenses.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of January 15, 2026, mortgage rates for 15-Year Fixed Rate Jumbo loans stand at 6.157%, unchanged from yesterday, while the 30-Year Fixed Rate Jumbo also remains steady at 6.326%. Over the past week, the 30-Year Fixed Rate Jumbo has seen a slight increase of 0.03 basis points, reflecting a minor uptick in borrowing costs. In contrast, the 15-Year Fixed Rate Jumbo has gained 0.07 basis points over the last month but decreased by 0.09 basis points in the past 60 days. Borrowers may find stability in these rates, yet should remain vigilant as changes could impact long-term borrowing costs.

Inflation expectations, as indicated by the Breakeven Inflation Rates, remain stable, with the 10-year rate at 2.290% and the 5-year rate slightly higher at 2.360%. This stability impacts mortgage rates, notably causing the 30-Year Average Rates to decrease significantly, dropping by 6.16 points over the past week, making it a crucial factor for prospective borrowers. The lowest mortgage rate available is the 30-Year FHA Average Rate, currently at 5.918%. Overall, these trends suggest a favorable borrowing environment; however, potential borrowers should closely monitor fluctuations in rates and inflation expectations as they can influence long-term borrowing costs.

Over the years, we’ve heard from countless homebuyers who wish they’d started with better information. That’s what inspired the team at LendMesh to build a smarter, friendlier mortgage platform. Instead of searching through dozens of bank websites, you can now compare offers from respected credit unions and banks in one trusted place. We’re here to cut through the noise, offering real guidance, educational tools, and answers to the questions you might not even know to ask yet. If you’re curious about the next steps or just want to see today’s rates, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your peace of mind comes first.