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Mortgage Rates in Texas

21 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.482%
7 submissions
15-Yr Fixed Avg
5.688%
2 submissions
Total Submissions
21
Aug 2024 – Dec 2025
Lenders Reporting
8

Top Lenders in Texas

LenderAvg RateSubmissions
Rocket MortgageRocket Mortgage4.000%2
Cardinal FinancialCardinal Financial6.438%2
Freedom MortgageFreedom Mortgage6.058%2
Fairway Independent MortgageFairway Independent Mortgage6.375%2
PennymacPennymac6.250%1
Guild MortgageGuild Mortgage6.375%1
CrossCountry MortgageCrossCountry Mortgage6.625%1
New American FundingNew American Funding6.875%1

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20255.250%1
Nov 20256.333%3
Oct 20256.308%2
Sep 20256.688%2
Jul 20256.173%5
May 20255.624%2
Mar 20256.625%1
Feb 20256.250%2
Jan 20256.375%2
Aug 20242.750%1

Frequently Asked Questions

What is the average mortgage rate in Texas?
Based on 7 real 30-year fixed submissions, the average rate locked in Texas is 6.482%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for Texas?
21 real rates from Texas, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in Texas?
The average VA 30-year rate locked in Texas is 5.998%, based on 5 submissions.
Which lenders have the most submissions in Texas?
Rocket Mortgage, Cardinal Financial, Freedom Mortgage have the most submitted rates in Texas on HomeLoans.fyi.
Browse all Texas submissions →