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30-Year Fixed Conforming Mortgage Refinance

Texas 30-Year Fixed Mortgage Refinance Rates 2025

Compare Texas 30-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.

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Texas 30-Year Fixed Conforming Mortgage Refinance

December 4, 2025
Average: 6.85% 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 30 Yr Fixed		$0	Learn More
Gateway Capital Mortgage NMLS ID: 246585	5.625% 30 Yr Fixed	5.500% Fees & Points $4,435 Total 1.000 Pts: $3,200 $1,235 Fees	$1,817	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.761% 30 Yr Fixed	5.625% Fees & Points $4,785 Total 0.872 Pts: $2,790 $1,995 Fees	$1,843	Learn More See Table View
iheartloan NMLS ID: 2562839	5.841% 30 Yr Fixed	5.750% Fees & Points $3,195 Total 0.625 Pts: $2,000 $1,195 Fees	$1,868	Learn More See Table View
District Lending NMLS ID: 1835285	5.853% 30 Yr Fixed	5.750% Fees & Points $3,600 Total 0.625 Pts: $2,000 $1,600 Fees	$1,868	Learn More See Table View
RockBottom Mortgage LLC NMLS ID: 1141327 License#: 1141327	5.921% 30 Yr Fixed	5.875% Fees & Points $1,600 Total 0.500 Pts: $1,600 $0 Fees	$1,893	Learn More See Table View
Foundation Home Loans, LLC NMLS ID: 2559614	5.931% 30 Yr Fixed	5.875% Fees & Points $1,952 Total 0.610 Pts: $1,952 $0 Fees	$1,893	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: 1522344	5.943% 30 Yr Fixed	5.875% Fees & Points $2,368 Total 0.740 Pts: $2,368 $0 Fees	$1,893	Learn More See Table View
Statewide Funding NMLS ID: 1105497	5.968% 30 Yr Fixed	5.875% Fees & Points $3,225 Total 0.500 Pts: $1,600 $1,625 Fees	$1,893	Learn More See Table View
Peak Residential Lending Inc NMLS ID: 2433973	5.975% 30 Yr Fixed	5.875% Fees & Points $3,557 Total 0.500 Pts: $1,600 $1,957 Fees	$1,893	Learn More See Table View
Home Simply NMLS ID: 2473786	5.979% 30 Yr Fixed	5.875% Fees & Points $3,597 Total 0.782 Pts: $2,502 $1,095 Fees	$1,893	Learn More See Table View
Revix NMLS ID: 2684156	5.986% 30 Yr Fixed	5.875% Fees & Points $3,956 Total 0.865 Pts: $2,768 $1,188 Fees	$1,893	Learn More See Table View
DECO Mortgage NMLS ID: 2561451	5.989% 30 Yr Fixed	5.875% Fees & Points $3,940 Total 0.997 Pts: $3,190 $750 Fees	$1,893	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.990% 30 Yr Fixed	5.875% Fees & Points $3,990 Total 0.811 Pts: $2,595 $1,395 Fees	$1,893	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954	5.995% 30 Yr Fixed	5.875% Fees & Points $4,249 Total 0.706 Pts: $2,259 $1,990 Fees	$1,893	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	6.052% 30 Yr Fixed	5.990% Fees & Points $2,131 Total 0.666 Pts: $2,131 $0 Fees	$1,917	Learn More See Table View
Dylken Home Loans, Inc NMLS ID: 2673152	6.060% 30 Yr Fixed	6.000% Fees & Points $2,058 Total 0.643 Pts: $2,058 $0 Fees	$1,919	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.065% 30 Yr Fixed	5.990% Fees & Points $2,570 Total 0.803 Pts: $2,570 $0 Fees	$1,917	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.174% 30 Yr Fixed	6.000% Fees & Points $6,000 Total 0.875 Pts: $2,800 $3,200 Fees	$1,919	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.237% 30 Yr Fixed	6.125% Fees & Points $3,842 Total 0.982 Pts: $3,142 $700 Fees	$1,945	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 30 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 30 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 30 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	6.27%	6.13% 0.63 points $0.00 fees	$1,944.35	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 11/28/2025	5.92%	6.25% 1.88 points $3,210.00 fees	$1,969.25	Learn MoreShow Less See Table View
Home Bank, National Association Updated 02/23/2024	6.81%	6.30% 0.00 points $0.00 fees	$1,980.71	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.52%	6.50% 0.00 points $2,784.00 fees	$2,022.62	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.60%	6.50% 0.00 points $0.00 fees	$2,022.62	Learn MoreShow Less See Table View
Austin Bank, Texas National Association Updated 12/07/2022	6.69%	6.63% 0.00 points $1,985.00 fees	$2,049.00	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.94%	6.63% 2.00 points $4,000.00 fees	$2,049.00	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.59%	6.72% 0.63 points $2,739.00 fees	$2,068.50	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.96%	6.88% 0.00 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.05%	6.88% 0.84 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Randolph-brooks Credit Union Updated 06/15/2022 Restrictions	6.94%	6.88% 0.00 points $2,784.00 fees	$2,103.24	Learn MoreShow Less See Table View
First State Bank Texas Updated 02/08/2023	7.05%	7.00% 0.00 points $0.00 fees	$2,128.97	Learn MoreShow Less See Table View
Tower Credit Union Updated 06/15/2022 Restrictions	7.04%	7.00% 0.00 points $0.00 fees	$2,128.97	Learn MoreShow Less See Table View
Mufg Union Bank, National Association Updated 10/11/2022	7.57%	7.13% 0.00 points $3,874.00 fees	$2,155.90	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.26%	7.13% 1.00 points $2,784.00 fees	$2,156.98	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	7.43%	7.25% 0.75 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.28%	7.25% 0.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
American Airlines Credit Union Updated 06/15/2022 Restrictions	7.34%	7.25% 0.00 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
Texas Dow Employees Credit Union Updated 06/15/2022 Restrictions	7.41%	7.25% 0.00 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.29%	7.25% 0.00 points $2,784.00 fees	$2,182.96	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.

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Texas 30-Year Fixed Mortgage Refinance Rates 2025

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