Home
Mortgage Products
15-Year Fixed Conforming Mortgage

Texas 15-Year Fixed Mortgage Rates 2025

Compare Texas 15-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

Loan Amount:

State or Zip:

Advanced

Advanced Mortgage Search

Transaction:

Loan amount value:

House Value

LTV value:

State:

Period:

Loan Type:

Points:

Property Type:

FICO:

Occupancy:

Do you have a property that you're interested in?

Are you currently working with a real estate agent?

Texas 15-Year Fixed Conforming Mortgage

December 4, 2025
Average: 5.90% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Veterans United Home Loans NMLS ID: 1907	You can buy with 0% down, no PMI and more Run your numbers and get a snapshot of your buying power VA loans have the lowest avg rate on the market (Data from Optimal Blue) 15 Yr Fixed		$0	Learn More
Price Mortgage, LLC NMLS ID: 1429043	4.653% 15 Yr Fixed	4.375% Fees & Points $6,230 Total 0.875 Pts: $2,800 $3,430 Fees	$2,428	Learn More See Table View
Gateway Capital Mortgage NMLS ID: 246585	4.779% 15 Yr Fixed	4.625% Fees & Points $3,290 Total 0.750 Pts: $2,400 $890 Fees	$2,469	Learn More See Table View
RockBottom Mortgage LLC NMLS ID: 1141327 License#: 1141327	4.900% 15 Yr Fixed	4.750% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$2,490	Learn More See Table View
District Lending NMLS ID: 1835285	4.900% 15 Yr Fixed	4.750% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$2,490	Learn More See Table View
First Federal Bank NMLS ID: 408902	5.058% 15 Yr Fixed	4.875% Fees & Points $3,889 Total 0.842 Pts: $2,694 $1,195 Fees	$2,510	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.074% 15 Yr Fixed	4.875% Fees & Points $4,230 Total 0.886 Pts: $2,835 $1,395 Fees	$2,510	Learn More See Table View
Tomo Mortgage, LLC NMLS ID: 2059741	5.083% 15 Yr Fixed	4.875% Fees & Points $4,410 Total 0.753 Pts: $2,410 $2,000 Fees	$2,510	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	5.124% 15 Yr Fixed	4.990% Fees & Points $2,829 Total 0.884 Pts: $2,829 $0 Fees	$2,529	Learn More See Table View
Home Simply NMLS ID: 2473786	5.157% 15 Yr Fixed	4.990% Fees & Points $3,533 Total 0.762 Pts: $2,438 $1,095 Fees	$2,529	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 1522344	5.228% 15 Yr Fixed	5.125% Fees & Points $2,173 Total 0.679 Pts: $2,173 $0 Fees	$2,552	Learn More See Table View
Peak Residential Lending Inc NMLS ID: 2433973	5.238% 15 Yr Fixed	5.000% Fees & Points $5,165 Total 1.000 Pts: $3,200 $1,965 Fees	$2,531	Learn More See Table View
Bison State Bank NMLS ID: 757416	5.247% 15 Yr Fixed	5.125% Fees & Points $2,560 Total 0.800 Pts: $2,560 $0 Fees	$2,552	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.350% 15 Yr Fixed	5.125% Fees & Points $4,753 Total 0.862 Pts: $2,758 $1,995 Fees	$2,552	Learn More See Table View
Dylken Home Loans, Inc NMLS ID: 2673152	5.371% 15 Yr Fixed	5.250% Fees & Points $2,544 Total 0.795 Pts: $2,544 $0 Fees	$2,573	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	5.399% 15 Yr Fixed	5.250% Fees & Points $3,123 Total 0.976 Pts: $3,123 $0 Fees	$2,573	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.522% 15 Yr Fixed	5.375% Fees & Points $3,078 Total 0.743 Pts: $2,378 $700 Fees	$2,594	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Get home in 2025 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 300,000 verified 5-star reviews 15 Yr Fixed			Learn More
Neighbors Bank NMLS ID: 491986	As low as 0% down options & down payment assistance Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 15 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.66%	5.38% 0.77 points $0.00 fees	$2,593.49	Learn MoreShow Less See Table View
Austin Bank, Texas National Association Updated 12/07/2022	5.50%	5.50% 0.00 points $1,985.00 fees	$2,614.67	Learn MoreShow Less See Table View
Home Bank, National Association Updated 02/23/2024	7.12%	5.66% 0.00 points $0.00 fees	$2,641.92	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.25%	5.88% 0.95 points $0.00 fees	$2,678.78	Learn MoreShow Less See Table View
Mufg Union Bank, National Association Updated 10/11/2022	6.64%	5.88% 0.00 points $3,261.00 fees	$2,678.78	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 09/08/2023	7.17%	5.94% 2.00 points $3,210.00 fees	$2,689.46	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.45%	5.99% 2.00 points $6,000.00 fees	$2,698.61	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.04%	6.00% 0.00 points $2,784.00 fees	$2,700.34	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.30%	6.13% 0.00 points $0.00 fees	$2,722.00	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.42%	6.25% 0.00 points $0.00 fees	$2,743.75	Learn MoreShow Less See Table View
Randolph-brooks Credit Union Updated 06/15/2022 Restrictions	6.58%	6.35% 0.00 points $2,784.00 fees	$2,761.22	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.08%	6.35% 0.88 points $2,739.00 fees	$2,761.57	Learn MoreShow Less See Table View
American Airlines Credit Union Updated 06/15/2022 Restrictions	6.67%	6.38% 0.00 points $0.00 fees	$2,765.60	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	6.55%	6.50% 0.00 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	6.67%	6.50% 0.38 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	6.84%	6.63% 0.50 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	6.87%	6.63% 0.00 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Commercial Bank Of Texas, National Association Updated 06/15/2022	6.72%	6.63% 0.25 points $3,974.00 fees	$2,810.46	Learn MoreShow Less See Table View
Tower Credit Union Updated 06/15/2022 Restrictions	6.69%	6.63% 0.00 points $0.00 fees	$2,810.46	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	6.91%	6.63% 1.00 points $2,784.00 fees	$2,810.46	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

Mortgage Resources

The Insider's Guide to Mortgages

Download

Texas 15-Year Fixed Mortgage Rates 2025

Texas 15-Year Fixed Conforming Mortgage

Products by State