Introduction
On May 28, 2026, mortgage rates are showing subtle shifts that could affect your next home purchase or refinance. After weeks of steady numbers, a few credit unions have nudged their jumbo loan rates downward, while Zillow’s national averages for 15- and 30-year fixed jumbo loans have dipped by about two-tenths of a percent. The Federal Reserve’s inflation signals remain steady, helping keep borrowing costs in check. If you’re watching for the best deal, consider the Certified Credit Union’s 15-year fixed at 5.125%, standing out as today’s lowest rate for purchase loans. Here’s what you need to know before locking in a rate so you can make your move with confidence and clarity.
New Purchase - Jumbo 15 yrs Fixed
Lender
2026-05-28
(Current Day)
(Current Day)
2026-05-21
(7 Days Ago)
(7 Days Ago)
2026-05-13
(15 Days Ago)
(15 Days Ago)
2026-04-28
(30 Days Ago)
(30 Days Ago)
2026-04-13
(45 Days Ago)
(45 Days Ago)
2026-03-29
(60 Days Ago)
(60 Days Ago)
2026-02-27
(90 Days Ago)
(90 Days Ago)
2025-11-29
(180 Days Ago)
(180 Days Ago)
5.63%
6.00%
+37.5 bps
5.75%
+12.5 bps
5.63%
5.75%
+12.5 bps
5.63%
5.25%
-37.5 bps
5.63%
5.13%
5.25%
+12.5 bps
5.00%
-12.5 bps
4.88%
-25 bps
4.88%
-25 bps
5.13%
4.63%
-50 bps
5.00%
-12.5 bps
5.88%
5.88%
5.63%
-25 bps
5.63%
-25 bps
5.63%
-25 bps
5.88%
5.25%
-62.5 bps
5.50%
-37.5 bps
5.34%
5.15%
-19 bps
5.11%
-23 bps
4.95%
-39 bps
5.14%
-20 bps
4.98%
-36 bps
4.71%
-63 bps
5.75%
5.75%
5.63%
-12.5 bps
5.50%
-25 bps
5.50%
-25 bps
5.75%
5.50%
-25 bps
5.63%
-12.5 bps
New Purchase - Jumbo 30 yrs Fixed
Lender
2026-05-28
(Current Day)
(Current Day)
2026-05-21
(7 Days Ago)
(7 Days Ago)
2026-05-13
(15 Days Ago)
(15 Days Ago)
2026-04-28
(30 Days Ago)
(30 Days Ago)
2026-04-13
(45 Days Ago)
(45 Days Ago)
2026-03-29
(60 Days Ago)
(60 Days Ago)
2026-02-27
(90 Days Ago)
(90 Days Ago)
2025-11-29
(180 Days Ago)
(180 Days Ago)
6.13%
6.63%
+50 bps
6.38%
+25 bps
6.25%
+12.5 bps
6.13%
6.38%
+25 bps
5.75%
-37.5 bps
6.13%
6.25%
6.38%
+12.5 bps
6.13%
-12.5 bps
6.13%
-12.5 bps
6.13%
-12.5 bps
6.25%
5.75%
-50 bps
5.88%
-37.5 bps
7.25%
7.38%
+12.5 bps
7.13%
-12.5 bps
7.00%
-25 bps
7.00%
-25 bps
7.25%
6.63%
-62.5 bps
6.75%
-50 bps
5.85%
5.67%
-18 bps
5.66%
-19 bps
5.51%
-34 bps
5.68%
-17 bps
5.47%
-38 bps
5.24%
-61 bps
6.25%
5.88%
-37.5 bps
5.88%
-37.5 bps
5.63%
-62.5 bps
5.75%
-50 bps
6.13%
-12.5 bps
5.38%
-87.5 bps
5.63%
-62.5 bps
5.88%
6.00%
+12.5 bps
5.75%
-12.5 bps
5.63%
-25 bps
5.63%
-25 bps
5.88%
5.63%
-25 bps
5.63%
-25 bps
6.25%
6.50%
+25 bps
6.13%
-12.5 bps
6.00%
-25 bps
6.00%
-25 bps
6.25%
5.50%
-75 bps
5.88%
-37.5 bps
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
On May 28, 2026, Jumbo 15 Year Fixed purchase rates stand at a competitive 5.625%, down by 37.5 basis points compared to last week, maintaining the lowest yield among available jumbo options. The Jumbo 30 Year Fixed rate has declined more sharply by 50 basis points week-over-week to 6.125%, improving borrowing costs for long-term financing. Compared to 30 days ago, the 15-year rate is stable, while the 30-year has decreased slightly by 12.5 basis points, reflecting tightening yield spreads in longer terms.
These shifts directly impact buyers seeking jumbo loans; shorter-term borrowers benefit from improved rates supporting quicker equity buildup, whereas longer-term purchasers can leverage reduced costs over three decades. Members should consider fixed-rate products if they prioritize payment stability amid fluctuating markets and evaluate refinancing opportunities where potential savings exceed associated fees.
For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.
CERTIFIED FEDERAL CREDIT UNION
As of May 28, 2026, CERTIFIED credit union reports stable mortgage rates for key fixed-rate purchase programs. The 15-Year Fixed Purchase rate remains at a consistent 5.125%, unchanged over the past 7 and 30 days, representing the lowest yield among today’s options. Similarly, the 30-Year Fixed Purchase rate holds steady at 5.875%, with no movement in the last month.
These stable rates imply predictable borrowing costs for homebuyers prioritizing long-term financial planning. First-time buyers may find value in locking a fixed rate to mitigate future market volatility. While no adjustable or government-backed loans are offered today, those seeking rate certainty should consider these fixed options. Given unchanged yields, evaluating your mortgage strategy now can help optimize affordability; for instance, fixed-rate products offer budget stability amid potential interest fluctuations.
Consider refinancing only if projected savings exceed associated costs based on current unchanging rates. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.
COLUMBIA COMMUNITY CREDIT UNION
As of May 28, 2026, COLUMBIA COMMUNITY reports a slight decline in jumbo fixed mortgage rates for purchase loans. The 15-year Jumbo fixed rate decreased by 12.5 basis points to 5.125%, marking the lowest available rate in today’s update. Conversely, this reflects a 25 basis point increase compared to 30 days ago, indicating recent upward pressure on borrowing costs over the month. Similarly, the 30-year Jumbo fixed rate also dropped by 12.5 basis points to 6.25% week-over-week but remains 12.5 basis points higher than one month prior.
These yield movements affect borrowers differently: shorter-term borrowers may benefit from lower current rates on the 15-year fixed loan, while those seeking longer terms should weigh slightly elevated costs amid recent volatility. Members with jumbo loan needs should evaluate fixed-rate options if stability is a priority and consider refinancing only when potential savings clearly exceed transaction costs.
For details, visit https://www.columbiacu.org/home-loans/.
NAVY FEDERAL CREDIT UNION
As of May 28, 2026, the Conventional 15 Year Jumbo Fixed mortgage rate remains steady at 5.875%, showing no change over the past week but up by 25 basis points compared to 30 days ago. This indicates a modest increase in the cost of borrowing for shorter-term jumbo loans, which may impact borrowers aiming for faster equity buildup. Conversely, the Homebuyers Choice 30 Year Jumbo Fixed rate has decreased by 12.5 basis points from last week to 7.25%, despite rising by 25 basis points over the last month. This shift suggests a slight easing in longer-term jumbo loan yields, potentially benefiting buyers prioritizing lower monthly payments with extended terms.
Members should consider fixed-rate options if they value payment stability or evaluate refinancing if potential savings outweigh associated costs given recent rate fluctuations. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
As of May 28, 2026, mortgage rates for fixed-rate purchase loans have increased notably. The 15-year fixed purchase rate stands at 5.34%, up by 19 basis points from last week and 39 basis points over the past month. Similarly, the 30-year fixed purchase rate is at 5.85%, reflecting an increase of 18 basis points compared to seven days ago and 34 basis points higher than 30 days prior. These upward shifts in yield spreads contribute to a higher cost of borrowing for new homebuyers, particularly impacting those seeking long-term financing stability.
For members prioritizing predictable payments, the 15-year fixed loan remains the lowest rate option, though with a rising trend that warrants evaluation. First-time buyers and those planning purchases should assess affordability in light of these increases. Given current market dynamics, consider locking rates soon if opting for fixed terms or reviewing refinancing strategies if existing loans are above today’s benchmarks.
Evaluate your mortgage strategy carefully; refinancing may reduce costs if savings surpass associated fees. For details, visit https://www.pefcu.com/loans/more-loan-info/loan-rates/#:~:text=financial%20institutions%20only.-,Mortgage%20RATES,-As%20of%20August.
SAN FRANCISCO FIRE CREDIT UNION
As of May 28, 2026, the 30-Year Fixed Purchase Mortgage at SAN FRANCISCO FIRE credit union stands at 6.25% with 1.0 point. This rate reflects an increase of 37.5 basis points compared to last week and a rise of 62.5 basis points over the past 30 days. The upward movement in yields signals higher borrowing costs for new homebuyers, particularly impacting those budgeting for long-term fixed payments. First-time buyers may face tighter affordability constraints, while homeowners considering purchase loans should assess their financing strategy carefully given these shifts. Evaluating fixed-rate options remains prudent for members prioritizing payment stability amid rising rates. Consider reviewing your mortgage approach and potential refinancing opportunities if your projected savings exceed associated costs. For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.
SECURITY SERVICE FEDERAL CREDIT UNION
As of May 28, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase mortgage rates at Security Service remain stable at 6.375% and 6.875%, respectively. Both rates show no change over the past 7 and 30 days, indicating a steady borrowing environment for jumbo loan applicants. The 15-year fixed jumbo rate at 6.375% represents the lowest cost of borrowing among today’s options, providing a potential advantage for borrowers prioritizing shorter-term debt payoff with predictable payments. Stability in these yields suggests limited immediate pressure on financing costs for high-balance homebuyers; however, borrowers should continue monitoring market movements that affect yield spreads. Members considering jumbo loans may benefit from evaluating fixed-rate products if they seek payment certainty amid a stable rate environment. For details, visit https://www.ssfcu.org/rates/home-loan-rates.
TROPICAL FINANCIAL CREDIT UNION
As of May 28, 2026, 15-year Jumbo fixed-rate mortgages remain steady at 5.75%, unchanged from one week ago but up 25 basis points compared to 30 days prior. Meanwhile, the 30-year Jumbo fixed-rate mortgage has decreased by 12.5 basis points over the past week to 5.875%, though it reflects a 25 basis point increase relative to a month ago. These yield shifts suggest a modestly higher cost of borrowing for longer-term jumbo loans over the past month, with recent stabilization in shorter terms.
Members considering high-value home purchases should weigh the stability of the 15-year Jumbo fixed rate against the slightly lower and recently declining rates on the 30-year Jumbo fixed option. For those prioritizing predictable payments, fixed-rate options provide clarity amid market fluctuations. Evaluating refinancing strategies could be beneficial if projected savings exceed associated costs given these rate movements.
WINGS FINANCIAL CREDIT UNION
As of May 28, 2026, the 30-Year Fixed Jumbo Loan purchase rate stands at 6.25%, marking a decrease of 25 basis points from one week ago. Compared to 30 days prior, this rate is up by 25 basis points, reflecting recent volatility in long-term mortgage yields. This shift indicates a modest reduction in the cost of borrowing over the past week for jumbo loan borrowers, which may benefit high-value homebuyers seeking stable financing terms.
For members considering jumbo mortgages, this data suggests that locking in a fixed rate could provide predictability amid fluctuating market conditions. Evaluating your mortgage strategy with attention to current yield spreads can help identify opportunities to optimize borrowing costs.
Consider reviewing your options if you plan a purchase soon or are assessing refinancing alternatives to improve long-term financial outcomes. For details, visit https://www.wingscu.com/rates/mortgages-purchase#main.
Zillow National Average
As of today, May 28, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is up slightly to 6.094%, reflecting an increase of 3 basis points from yesterday, while it has decreased by 21 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo has increased to 6.383%, up by 4 basis points in one day but remains stable over the past week. Borrowers should note these shifts as they impact overall borrowing costs; for those seeking a longer-term commitment, this may present opportunities for refinancing or securing favorable rates. Monitoring these changes can provide strategic insights for potential homebuyers and current homeowners alike.
Federal Reserve Economic Trends
Current inflation expectations, as indicated by the Breakeven Inflation Rates, remain stable with the 10-Year rate at 2.390% and the 5-Year rate at 2.530%. These metrics are crucial as they reflect market sentiment about future inflation, influencing mortgage rates and the overall cost of borrowing. Notably, the Mortgage 30Yr Average Rates have seen a significant decline of 6.51 points over the past week, while the 30Yr Va Average Rates increased by 0.27 points in the same timeframe. Borrowers may find opportunities given that the lowest mortgage rate recorded is 6.093% for VA loans. Monitoring these trends can help borrowers make informed decisions regarding financing options.
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
As rates inch up or down by small fractions, the impact on your monthly payment can add up over time. Even a quarter-point change might mean saving or paying hundreds each month. Whether you’re buying a home, refinancing, or investing, keeping an eye on these modest shifts is wise. Look beyond just the rate, consider points, loan terms, and your long-term plans. If you qualify for one of the lower-rate options like those at Certified Credit Union or Columbia Community, it may be worth acting sooner rather than later to lock in savings. Staying informed about broader trends like stable inflation rates helps you understand why lenders set rates as they do. Ultimately, take a thoughtful approach that balances today's lowest available rates, your budget, and future goals to secure a mortgage that feels right for you.