Who has the best mortgage rates in Texas?
A good rate for a primary, single-family home in for , and credit score is:
found 120 lenders for you—rates updated Jun 29, 2025
Rates updated Jun 29, 2025
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in TX
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only 7 lenders likely to get you a good deal.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in TX likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 120 lenders and found that these 7 are likely to offer you a high rate.
Lender | Lender fees | ||
---|---|---|---|
![]() | $1899Mixed reviews | Mixed reviews | |
![]() | $1890Mixed reviews | Mixed reviews | |
![]() | $1740Limited reviews | Limited reviews | |
![]() | $1565Mixed reviews | Mixed reviews | |
![]() | $1500Mixed reviews | Mixed reviews | |
![]() | $1490Mixed | Mixed | |
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in TX
You deserve better than what these 106 lenders historically provide.
- Alerus Financial Na
- Altra Federal Credit Union
- Amarillo National Bank
- American Financing Corporation
- American Neighborhood Mortgage
- American Pacific Mortgage Corp
- American Portfolio Mortgage Co
- Ark-La-Tex Financial Services
- Arvest Bank
- Associated Mortgage Corporaton
- Assurance Financial Group, L.L
- Atlantic Bay Mortgage Group
- Bank Of England
- Bayshore Mortgage Funding
- Belem Servicing, LLC Dba Patri
- Bell Bank
- Bokf Na
- Calcon Mutual Mortgage LLC
- Capital Bank, N.A.
- City Bank
- Cliffco, Inc.
- Cmg Mortgage Inc.
- Compass Mortgage, Inc.
- Crosscountry Mortgage, LLC
- Das Acquisition Company, LLC
- Diamond Residential Mtg Corp
- Digital Federal Credit Union
- Direct Mortgage Loans, LLC
- Dsld Mortgage LLC
- Eagle Bank And Trust Company
- East Coast Capital Corp.
- Eecu
- Encompass Lending Group, L.P.
- Endeavor Capital LLC
- Envoy Mortgage, Ltd
- Evergreen Moneysource Mortgage
- Evolve Bank & Trust
- Fairway Independent Mort Corp
- Fbc Mortgage, LLC
- Fidelity Bank
- First Community Mortgage
- First Financial Bank
- First National Bank Of Omaha
- First United Bank And Trust Co
- Franklin Loan Corporation
- Gateway First Bank
- Gmfs, LLC
- Gold Star Mortgage Financial G
- Golden Empire Mortgage, Inc.
- Goldwater Bank National Associ
- Guaranteed Rate Affinity, LLC
- Guaranteed Rate, Inc.
- Highlands Residential Mortgage
- Homeowners Financial Group, Ll
- Homeside Financial, LLC
- Homestead Funding Corp.
- Hometrust Mortgage Company
- Huntington National Bank
- Integrity Home Mortgage Corpor
- Intercap Lending Inc.
- Intercoastal Mortgage, LLC
- InterlInc. Mortgage Services, L
- Ixonia Bank
- Jmj Financial Group Inc.
- Ladera Lending, Inc.
- Leaderone Financial Corp.
- Loan Simple, Inc.
- Loanpeople LLC
- Mason-Mcduffie Mortgage Corpor
- Mutual Of Omaha Mortgage
- Nations Lending Corporation
- Nations Reliable Lending LLC
- Nbh Bank
- Nfm, Inc.
- Northpointe Bank
- On Q Financial, Inc.
- Pacific Residential Mortgage,
- Planet Home Lending, LLC
- Premier Mortgage Resources, Ll
- Primelending
- Primelending Ventures LLC
- Princeton Mortgage Corporation
- Priority Home Mortgage, L.P.
- Republic State Mortgage Co.
- Residential Wholesale Mortgage
- Seatrust Mortgage Company
- Smart Choice Mortgage, LLC
- Success Mortgage Partners, Inc.
- Summit Funding.Inc.
- Sunflower Bank, N.A.
- Susser Bank
- Swbc Mortgage Corporation
- Synergy One Lending
- Texas Tech Federal Credit Unio
- The Federal Savings Bank
- The Mortgage Link, Inc.
- Tjc Mortgage Inc.
- Town Square Mortgage & Investm
- Townebank
- United Northern Mortgage Banke
- V.I.P. Mortgage, Inc.
- Van Dyk Mortgage Corporation
- Victorian Finance, LLC
- Watermark Capital, Inc.
- Waterstone Mortgage Corporatio
- Willow Bend Mortgage
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Texas is a great place for home buyers
Thinking about buying a home in Texas? You might be in luck. Mortgage interest rates here are currently lower than in many other states, which could make owning a home—maybe even that spacious Texas dream house—much more affordable.
Over the past five years, interest rates in Texas have seen some dramatic changes. In 2019, rates were relatively stable, averaging around 4% for a 30-year fixed mortgage. It was a solid time to buy or refinance.
Then came 2020 and the pandemic. In response to the economic uncertainty, the Federal Reserve lowered interest rates to historic lows. By mid-2020 and into 2021, mortgage rates in Texas dropped to around 2.5% to 3%. Homebuyers jumped at the opportunity—refinancing and purchasing surged while borrowing costs were unusually low.
By late 2021 and into 2022, however, rates began to rise again. The Fed, aiming to slow inflation, increased interest rates. By 2022, Texas mortgage rates climbed to around 5% to 6%, and in 2023, some even reached 7%, depending on the lender and your credit profile.
Even with these increases, Texas still compares favorably to many other states. Home prices remain relatively affordable, especially when you factor in the state’s lower cost of living and the lack of a state income tax. Those benefits help offset some of the pressure from higher borrowing costs.
All in all, Texas has remained a strong option for homebuyers over the past several years. With improving interest rates and the state’s overall affordability, now could be a great time to start looking for a home in the Lone Star State.