Home
Mortgage Products
20-Year Fixed Conforming Mortgage

Texas 20-Year Fixed Mortgage Rates 2025

Compare Texas 20-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 20-Year Fixed Conforming Mortgage

November 20, 2025
Average: 6.59% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Pentagon Federal Credit Union NMLS ID: 401822	Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender 20 Yr Fixed		$0	Learn More
Surety Home Loans NMLS ID: 1981224	5.594% 20 Yr Fixed	5.375% Fees & Points $5,802 Total 0.813 Pts: $2,602 $3,200 Fees	$2,179	Learn More See Table View
Reliant Home Loans NMLS ID: 1945532	5.594% 20 Yr Fixed	5.375% Fees & Points $5,802 Total 0.813 Pts: $2,602 $3,200 Fees	$2,179	Learn More See Table View
District Lending NMLS ID: 1835285	5.613% 20 Yr Fixed	5.500% Fees & Points $2,982 Total 0.776 Pts: $2,483 $499 Fees	$2,202	Learn More See Table View
iheartloan NMLS ID: 2562839	5.664% 20 Yr Fixed	5.500% Fees & Points $4,325 Total 1.000 Pts: $3,200 $1,125 Fees	$2,202	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	5.760% 20 Yr Fixed	5.625% Fees & Points $3,530 Total 0.775 Pts: $2,480 $1,050 Fees	$2,224	Learn More See Table View
Novum Home Loans LLC NMLS ID: 2487386	5.761% 20 Yr Fixed	5.625% Fees & Points $3,577 Total 0.774 Pts: $2,477 $1,100 Fees	$2,224	Learn More See Table View
Western Capital Lending LLC NMLS ID: 1816986	5.810% 20 Yr Fixed	5.625% Fees & Points $4,845 Total 0.514 Pts: $1,645 $3,200 Fees	$2,224	Learn More See Table View
Statewide Funding NMLS ID: 1105497	5.812% 20 Yr Fixed	5.750% Fees & Points $1,600 Total 0.500 Pts: $1,600 $0 Fees	$2,247	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.921% 20 Yr Fixed	5.750% Fees & Points $4,457 Total 0.957 Pts: $3,062 $1,395 Fees	$2,247	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.029% 20 Yr Fixed	5.875% Fees & Points $3,995 Total 0.625 Pts: $2,000 $1,995 Fees	$2,270	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.123% 20 Yr Fixed	6.000% Fees & Points $3,184 Total 0.995 Pts: $3,184 $0 Fees	$2,293	Learn More See Table View
First Federal Bank of Kansas City NMLS ID: 418593	6.285% 20 Yr Fixed	6.125% Fees & Points $4,370 Total 0.970 Pts: $3,104 $1,266 Fees	$2,316	Learn More See Table View
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 20 Yr Fixed			Learn More
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 20 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	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 11/14/2025	5.95%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Austin Bank, Texas National Association Updated 12/07/2022	6.45%	6.38% 0.00 points $1,985.00 fees	$2,362.34	Learn MoreShow Less See Table View
Randolph-brooks Credit Union Updated 06/15/2022 Restrictions	6.84%	6.75% 0.00 points $2,784.00 fees	$2,433.16	Learn MoreShow Less See Table View
Tower Credit Union Updated 06/15/2022 Restrictions	7.06%	6.88% 0.00 points $0.00 fees	$2,457.96	Learn MoreShow Less See Table View
Commercial Bank Of Texas, National Association Updated 06/15/2022	7.07%	7.00% 0.25 points $3,974.00 fees	$2,480.96	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
First Technology Credit Union Updated 02/06/2023 Restrictions	7.45%	7.25% 0.13 points $0.00 fees	$2,529.20	Learn MoreShow Less See Table View
Gecu Credit Union Updated 06/15/2022 Restrictions	7.67%	7.25% 0.00 points $2,000.00 fees	$2,529.20	Learn MoreShow Less See Table View
Comerica Bank Updated 06/15/2022	7.39%	7.29% 0.00 points $0.00 fees	$2,536.96	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.38 points $2,784.00 fees	$2,554.47	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.52%	7.50% 0.00 points $2,936.00 fees	$2,577.90	Learn MoreShow Less See Table View
Truist Bank Updated 06/15/2022	8.27%	8.00% 0.00 points $3,658.00 fees	$2,676.61	Learn MoreShow Less See Table View
Axos Bank Updated 06/15/2022	8.41%	8.38% 0.00 points $3,658.00 fees	$2,752.78	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 20-Year Fixed Mortgage Rates 2025

Texas 20-Year Fixed Conforming Mortgage

Products by State