January 22, 2026 | Jumbo Fixed-Rate Mortgages Hold Steady at 5.00%

As of January 22, 2026, Jumbo 15 Year Fixed purchase mortgage rates stand at 5.375% with 0.375 points, reflecting a 12.5 basis point increase from last week but a 25 basis point decrease compared to 30 days ago. Meanwhile, the Jumbo 30 Year Fixed purchase rate is at 5.875% with 0.25 points, also up by 12.5 basis points over seven days, yet down by 37.5 basis points since last month.

These movements indicate a modest short-term rise in borrowing costs for jumbo loans; however, the monthly trend suggests easing yields overall. Borrowers prioritizing payment stability may find fixed-rate jumbo options increasingly competitive relative to recent quarters. Members should evaluate their mortgage horizon carefully, consider shorter terms like the 15-year fixed if aiming to reduce total interest expense despite slightly higher immediate rates.

For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.

As of January 22, 2026, COLUMBIA COMMUNITY reports stable mortgage rates for Jumbo 15-year fixed and Jumbo 30-year fixed purchase loans. The 15-year Jumbo fixed rate remains at 5.0%, unchanged over the past week and month, representing a steady borrowing cost with no increase in yield spreads. Similarly, the 30-year Jumbo fixed rate holds firm at 5.875%, reflecting no movement in recent weeks.

For borrowers seeking long-term financing on higher loan amounts, these consistent rates offer predictability in monthly payments and interest expenses. Members considering a shorter-term commitment benefit from the lowest rate available today, 5.0% on the 15-year Jumbo fixed loan, which may reduce total interest paid over time despite potentially higher monthly costs.

Given the current stability in rates, members should evaluate their mortgage strategy carefully; those prioritizing payment stability might consider fixed-rate options, while others could monitor market shifts before refinancing decisions. Consider refinancing if potential savings surpass associated costs.

For details, visit https://www.columbiacu.org/home-loans/.

As of January 22, 2026, DESERT FINANCIAL reports stable rates on Jumbo fixed-rate purchase mortgages. The 15-year Jumbo fixed rate remains at 5.25%, unchanged from last week and down 12.5 basis points compared to 30 days ago. This represents the lowest rate in today’s offerings, benefiting borrowers seeking shorter-term commitments with predictable payments. Meanwhile, the 30-year Jumbo fixed rate holds steady at 5.75%, unchanged over the past week and reduced by 25 basis points since a month prior, reflecting modest easing in long-term borrowing costs.

These consistent yields suggest limited volatility in jumbo loan pricing; members aiming for fixed-rate stability may find current rates advantageous for planning long-term home investments or refinancing strategies. Evaluate your mortgage approach carefully, consider fixed-rate options if prioritizing payment certainty or assess refinancing opportunities when cost savings surpass associated fees.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

On January 22, 2026, the 15-Year Fixed Jumbo Purchase rate increased by 25 basis points, reaching 5.125%, marking a notable rise compared to last week and a 37.5 basis points increase from 30 days ago. This uptick elevates the cost of borrowing for buyers seeking shorter-term jumbo loans, potentially impacting affordability for high-value home purchases. Conversely, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.0%, unchanged from last week but up 12.5 basis points over the past month. Longer-term jumbo borrowers may find this stability preferable for locking in consistent payments amid market volatility. Members should evaluate their mortgage strategy carefully; those prioritizing payment predictability might consider fixed-rate options while monitoring market shifts. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 22, 2026, Navy Federal Credit Union reports stable mortgage rates on select jumbo purchase loans. The 15-year Fixed Conventional Jumbo remains at a competitive 5.25% with 0.25 points, unchanged from one week ago but down 25 basis points over the past 30 days, reflecting a modest easing in borrowing costs for borrowers seeking shorter-term commitments. Conversely, the 30-year Fixed Homebuyers Choice Jumbo shows a notable increase to 6.75% with 0.5 points, up by 112.5 basis points compared to seven days ago and slightly lower by 12.5 basis points over 30 days, indicating recent volatility that could affect long-term affordability.

For members prioritizing rate stability and lower yields, the 15-year Jumbo fixed-rate option at 5.25% remains the lowest cost choice today. Given these dynamics, members should consider fixed-rate products if they value predictable payments or evaluate refinancing options when savings exceed associated costs.

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

On January 22, 2026, Jumbo 15 Year Fixed Rate Purchase loans are offered at a competitive 5.25% with 0.75 points, reflecting a 12.5 basis point increase over the past week but steady compared to 30 days ago. The Jumbo 30 Year Fixed Rate Purchase stands at 5.625% with 0.75 points, up 12.5 basis points from last week yet down 12.5 basis points over the last month. These movements indicate a modest rise in short-term borrowing costs for jumbo fixed-rate purchases, while the longer-term option shows slight yield spread compression month-over-month.

Members considering jumbo financing should weigh the impact of recent rate upticks on monthly payments, especially if prioritizing shorter-term stability or long-term cost efficiency. Evaluating fixed-rate options may benefit those seeking predictable payments amid modest volatility. For jumbo loan borrowers, reviewing mortgage strategies in light of current rates can clarify refinancing or purchase timing decisions.

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 22, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase mortgage rates remain steady at 6.0% and 6.5%, respectively. These rates show no change from one week ago but have decreased by 25 basis points compared to 30 days prior, indicating a modest improvement in borrowing costs over the past month. For members seeking long-term financing stability, the 15-Year Fixed Jumbo at 6.0% offers the lowest yield spread today. This plateau in rates can benefit borrowers planning large purchases who prioritize predictable payments. Given these dynamics, members should evaluate their mortgage strategies carefully; those with existing loans might consider refinancing if potential savings exceed associated costs. For details, visit https://www.ssfcu.org/rates/home-loan-rates.

As of January 22, 2026, 15-year Jumbo fixed-rate mortgages remain steady at 5.50%, matching rates from one and 30 days ago. Similarly, the 30-year Jumbo fixed-rate loans hold firm at 5.625%, unchanged over the past week and month. This stability reflects a consistent yield environment, offering predictable borrowing costs for high-value homebuyers. For members considering large loan amounts, these fixed rates provide a clear benchmark with no recent upward pressure on interest expenses. First-time jumbo buyers can plan with confidence in their monthly obligations, while current owners should assess if refinancing aligns with their long-term cost goals given unchanged spreads. Evaluating fixed-rate options is advisable for those prioritizing payment certainty amid market steadiness. For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of January 22, 2026, U.S. mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo remains unchanged at 6.256%, while the 30-Year Fixed Rate Jumbo has increased slightly to 6.338%, marking a change of +0.02 basis points in one day. Over the past week, the 15-Year Fixed Rate Jumbo rose by 0.09 basis points, indicating a potential increase in borrowing costs for short-term loans. Conversely, the 15-Year Fixed Rate Jumbo saw a decrease of 0.08 basis points over the last month, reflecting some volatility in the market. Borrowers should carefully consider these fluctuations when making financing decisions, as they could impact overall loan affordability and financial planning.

Current inflation expectations, indicated by the Breakeven Inflation Rates, suggest stable economic sentiment, with the 10-Year Rate holding at 2.340 and the 5-Year Rate at 2.420. Recent data shows significant fluctuations in mortgage rates, notably a decline in the Mortgage 30Yr Average Rates, which fell by 6.06 points over the last week, while the 30Yr FHA Rate is currently at 5.984, representing a slight increase of 0.10 over seven days. The substantial decreases in mortgage rates can lower borrowing costs for homebuyers, making housing more accessible despite inflation concerns. Monitoring these indicators will be crucial for borrowers considering fixed-rate loans or refinancing options.

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