Home
Refinance Mortgage Products
15-Year Fixed Conforming Mortgage Refinance

Texas 15-Year Fixed Mortgage Refinance Rates 2025

Compare Texas 15-Year Fixed Conforming Mortgage Refinance 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.

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 Refinance

December 18, 2025
Average: 5.92% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Allied Mortgage Group, Inc. NMLS ID: 1067	Competitive interest rates No Origination fee Soft credit pre-approvals offered 15 Yr Fixed		$0	Learn More
Blue Arrow Lending Group, INC NMLS ID: 2046633	4.636% 15 Yr Fixed	4.375% Fees & Points $5,780 Total 0.950 Pts: $3,040 $2,740 Fees	$2,428	Learn More See Table View
Direct Home Lending NMLS ID: 274058	4.659% 15 Yr Fixed	4.500% Fees & Points $3,405 Total 0.878 Pts: $2,810 $595 Fees	$2,448	Learn More See Table View
District Lending NMLS ID: 1835285	4.812% 15 Yr Fixed	4.625% Fees & Points $4,000 Total 0.750 Pts: $2,400 $1,600 Fees	$2,469	Learn More See Table View
RockBottom Mortgage LLC NMLS ID: 1141327 License#: 1141327	4.882% 15 Yr Fixed	4.750% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,490	Learn More See Table View
Foundation Home Loans, LLC NMLS ID: 2559614	4.898% 15 Yr Fixed	4.750% Fees & Points $3,152 Total 0.985 Pts: $3,152 $0 Fees	$2,490	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	4.901% 15 Yr Fixed	4.750% Fees & Points $3,210 Total 0.675 Pts: $2,160 $1,050 Fees	$2,490	Learn More See Table View
Valley West Mortgage NMLS ID: 65506	4.933% 15 Yr Fixed	4.750% Fees & Points $3,975 Total 0.875 Pts: $2,800 $1,175 Fees	$2,490	Learn More See Table View
Statewide Funding NMLS ID: 1105497	4.957% 15 Yr Fixed	4.750% Fees & Points $4,425 Total 0.875 Pts: $2,800 $1,625 Fees	$2,490	Learn More See Table View
Revix NMLS ID: 2684156	5.025% 15 Yr Fixed	4.875% Fees & Points $3,278 Total 0.653 Pts: $2,090 $1,188 Fees	$2,510	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.059% 15 Yr Fixed	4.875% Fees & Points $3,907 Total 0.785 Pts: $2,512 $1,395 Fees	$2,510	Learn More See Table View
Home Simply NMLS ID: 2473786	5.062% 15 Yr Fixed	4.875% Fees & Points $3,981 Total 0.902 Pts: $2,886 $1,095 Fees	$2,510	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954	5.085% 15 Yr Fixed	4.875% Fees & Points $4,556 Total 0.802 Pts: $2,566 $1,990 Fees	$2,510	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 1522344	5.117% 15 Yr Fixed	4.990% Fees & Points $2,688 Total 0.840 Pts: $2,688 $0 Fees	$2,529	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	5.130% 15 Yr Fixed	4.990% Fees & Points $2,963 Total 0.926 Pts: $2,963 $0 Fees	$2,529	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.201% 15 Yr Fixed	4.990% Fees & Points $4,478 Total 0.776 Pts: $2,483 $1,995 Fees	$2,529	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	5.227% 15 Yr Fixed	5.000% Fees & Points $4,800 Total 0.500 Pts: $1,600 $3,200 Fees	$2,531	Learn More See Table View
Dylken Home Loans, Inc NMLS ID: 2673152	5.262% 15 Yr Fixed	5.125% Fees & Points $2,883 Total 0.901 Pts: $2,883 $0 Fees	$2,552	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.315% 15 Yr Fixed	5.125% Fees & Points $4,003 Total 0.661 Pts: $2,115 $1,888 Fees	$2,552	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.522% 15 Yr Fixed	5.375% Fees & Points $3,068 Total 0.740 Pts: $2,368 $700 Fees	$2,594	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	5.750% 15 Yr Fixed	5.750% Fees & Points $0 Total 0.000 Pts: $0 $0 Fees	$2,658	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 15 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 15 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 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
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	6.52%	5.99% 2.13 points $4,250.00 fees	$2,698.61	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.29%	6.00% 0.78 points $0.00 fees	$2,700.34	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.00%	6.00% 0.00 points $2,784.00 fees	$2,700.34	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
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
Citibank, National Association Updated 10/18/2024	6.06%	6.48% 1.00 points $2,739.00 fees	$2,783.67	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
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.91%	6.75% 0.00 points $0.00 fees	$2,831.71	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

Mortgage Refinancing Resources

Texas 15-Year Fixed Mortgage Refinance Rates 2025

Texas 15-Year Fixed Conforming Mortgage Refinance

Products by State