February 19, 2026 | Lowest Jumbo 15-Year Fixed Rate Holds at 4.625%

As of February 19, 2026, 15-year fixed purchase mortgages maintain a rate of 5.125%, unchanged from one week ago. Meanwhile, the 30-year fixed purchase mortgage holds steady at 5.875%, also with no change over the past seven days. The stability in these rates suggests consistent borrowing costs for homebuyers, particularly benefiting those prioritizing predictability in their monthly payments. First-time buyers may find the lower rate on the 15-year fixed advantageous for reducing total interest paid over time, while the 30-year fixed supports longer-term affordability without recent yield fluctuations. Members should assess their financial goals and consider locking in current rates if favoring fixed-rate options to mitigate future market volatility. Evaluating mortgage strategies now can help manage long-term expenses effectively. For details, visit https://americaschristiancu.com/personal/mortgages/.

As of February 19, 2026, the Jumbo 15-year fixed purchase loan holds the lowest rate at 4.625%, unchanged from one week ago but down by 37.5 basis points compared to 30 days prior. This reduction lowers the cost of borrowing for high-value homebuyers seeking shorter-term financing. The Jumbo 30-year fixed purchase loan remains steady at 5.75%, with no change over the past week and a modest decline of 12.5 basis points versus one month ago, benefiting borrowers prioritizing longer amortization schedules.

Members considering jumbo loans should evaluate whether locking in current rates aligns with their financial goals, particularly given recent downward yield shifts. Fixed-rate stability may support budget certainty amid market fluctuations. Consider refinancing if potential savings outweigh associated costs over the loan term.

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

As of February 19, 2026, Jumbo 15 Year Fixed Rate Purchase loans remain steady at 5.25% with 1.0 point, showing no change over the past week or month. This stability benefits borrowers seeking shorter-term financing by maintaining predictable yield spreads and borrowing costs. Conversely, the Jumbo 30 Year Fixed Rate Purchase loan has decreased by 25 basis points over the last 7 days to 5.625% with 1.125 points, and by 12.5 basis points over 30 days, reducing long-term borrowing expenses for buyers prioritizing extended payment terms.

For members weighing options, those valuing payment stability might consider the fixed-rate 15-year term, while others could evaluate the declining cost dynamics of the 30-year fixed product. Carefully assessing your mortgage horizon and cost tolerance is essential; consider refinancing if rate reductions outweigh associated fees to optimize financial outcomes.

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

As of February 19, 2026, 15-Year Fixed Jumbo purchase loans are priced at 5.00%, down by 12.5 basis points from last week, signaling a slight easing in borrowing costs for high-balance buyers seeking shorter terms. This rate remains unchanged compared to 30 days ago, indicating stable yield spreads over the past month. Meanwhile, the 30-Year Fixed Jumbo purchase rate holds steady at 6.00%, showing no movement over both the past week and month.

For members targeting jumbo loans, the reduced cost on the 15-year term could lower total interest expense significantly, benefiting those prioritizing faster equity build-up. Conversely, the unchanged 30-year rate suggests fixed long-term borrowing costs remain consistent for extended financing needs.

Given these trends, borrowers may consider fixed-rate options to lock in current yields amid stable longer-term rates or evaluate if accelerated repayment via shorter terms aligns with their financial goals. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of February 19, 2026, Navy Federal Credit Union reports a modest decline in mortgage rates for jumbo purchase loans. The 15-year Fixed Conventional Jumbo rate stands at 5.25%, down 12.5 basis points from last week, maintaining parity with its level 30 days ago. Meanwhile, the 30-year Fixed Homebuyers Choice Jumbo has decreased by the same margin to 6.625%, reflecting a notable reduction over both the past week and month.

These shifts slightly reduce the cost of borrowing for members seeking jumbo mortgages, potentially benefiting those prioritizing shorter-term fixed rates or longer-term stability. Borrowers should assess how these movements influence their overall mortgage strategy, particularly if fixed-rate options align with their financial goals.

Consider reviewing your current loan terms and evaluate refinancing opportunities if potential savings exceed associated costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

On February 19, 2026, Jumbo 15 Year Fixed Rate Purchase loans hold the lowest rate at 5.25%, down by 12.5 basis points compared to last week and unchanged from 30 days ago. This modest decline may slightly reduce borrowing costs for high-net-worth buyers seeking shorter-term fixed options. Conversely, the Jumbo 30 Year Fixed Rate Purchase loan shows a significant weekly drop of 125 basis points to 5.50%, reflecting improved yield spreads over the past week but a marginal decrease of 12.5 basis points versus one month prior. Borrowers valuing long-term payment stability might find this rate movement advantageous in managing monthly cash flow.

Members considering large loan amounts should evaluate these recent adjustments in relation to their financing horizon; those prioritizing predictable payments could focus on fixed-rate products, while others might monitor for further shifts before locking rates. In all cases, reviewing your mortgage strategy based on current trends is advisable.

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 February 19, 2026, the 15-year fixed purchase mortgage rate stands at 4.78%, down by 8 basis points from last week but up slightly by 3 basis points compared to 30 days ago. This makes the 15-year fixed option the lowest rate currently available, offering a favorable yield spread for borrowers prioritizing shorter-term financing and faster equity build-up. The 30-year fixed purchase mortgage rate is at 5.35%, decreasing by 3 basis points over the past week yet increasing by 4 basis points month-over-month, reflecting modest fluctuations in long-term borrowing costs.

For members seeking predictable payments and lower interest expense over time, the slight decline in these fixed rates may present an opportunity to evaluate mortgage strategies. First-time buyers could benefit from locking in current rates to manage housing affordability, while those considering refinancing should assess if potential savings outweigh closing costs given recent rate shifts.

Consider your long-term financial goals carefully; fixed-rate loans continue to offer stability amid gradual market changes. For details, visit https://www.pefcu.com/loans/more-loan-info/loan-rates/#:~:text=financial%20institutions%20only.-,Mortgage%20RATES,-As%20of%20August.

As of February 19, 2026, 15-Year Fixed Jumbo Purchase loans hold the lowest rate at 6.0%, unchanged from one and thirty days ago. Similarly, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.5%, showing no movement over the past week or month. These stable yields indicate consistent borrowing costs for jumbo loan applicants, maintaining current yield spreads without upward pressure.

For members seeking long-term financing stability, the unchanged 15- and 30-year fixed jumbo rates suggest predictable payment structures amid market steadiness. First-time buyers with jumbo loan needs can assess affordability without concern for recent rate volatility. Likewise, those considering jumbo refinances should evaluate if current rates align with their cost-reduction goals.

Given these conditions, members are encouraged to consider fixed-rate jumbo options for rate certainty or analyze refinancing only if anticipated savings exceed closing costs. For details, visit https://www.ssfcu.org/rates/home-loan-rates.

As of February 19, 2026, 15-year Jumbo fixed-rate purchase loans hold steady at 5.50% with 0.5 points, matching last week’s yield and maintaining a stable borrowing cost for borrowers seeking shorter-term jumbo financing. Similarly, the 30-year Jumbo fixed-rate purchase loans remain unchanged at 5.625% with zero points, offering consistent long-term rate expectations without recent volatility.

The absence of rate changes over both 7- and 30-day intervals suggests a stable interest rate environment in the jumbo loan segment. This stability benefits borrowers prioritizing predictability in their monthly payments and overall financing costs. For members considering large-value home purchases, these rates provide a reliable benchmark to evaluate affordability.

Given the current market steadiness, members should consider fixed-rate options if they value stability and carefully assess refinancing strategies only if potential savings surpass transaction costs. For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of February 19, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo stands at 6.050%, down by 0.01% from yesterday and up 0.02% over the past week. In contrast, the 30-Year Fixed Rate Jumbo is at 6.125%, a decrease of 0.03% from one day ago and a larger drop of 0.13% in the last week. Over the past month, the 30-Year Fixed Rate Jumbo has fallen by 0.23%, indicating a general trend towards lower borrowing costs for these products. Borrowers should consider these shifts when evaluating financing options, as slight variations can significantly impact overall loan affordability.

Inflation expectations, reflected in the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the Mortgage 30Yr Average Rates have seen a significant drop of 6.09 points over the past week, which may benefit borrowers seeking long-term financing. Additionally, the Mortgage 30Yr Jumbo Average Rates decreased by 0.17 points in the last 30 days. The lowest rate reported is 5.653% for VA loans, suggesting potential savings for eligible borrowers. As these rates fluctuate, it is advisable for individuals to remain vigilant about market trends and consider locking in favorable terms when possible.

If you’ve ever wished for a little less stress in your mortgage search, you’re not alone. We built LendMesh after hearing from families who felt overwhelmed by conflicting information and fine print. Our solution? Connect you directly with banks and credit unions we trust, put rates and options in clear language, and back it all with real human guidance every step of the way. Whether you’re a planner who loves to research or someone who just wants a trusted recommendation, you’ll find what you need on our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh was built for peace of mind—let’s make your next move the easiest one yet.