Texas Refi Rates - Current Refinance Rates - 30 Years  Texas Lenders 30 Year Fixed Rates

Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Texas and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.

(Last Updated: 12/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.846% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.858 Points$2,746 Points Fee
$3,341 Total Fees$595 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.867% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.654 Points$2,093 Points Fee
$4,088 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.954% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.860 Points$2,752 Points Fee
$2,752 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.550 Points$1,760 Points Fee
$2,810 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.005% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.970 Points$3,104 Points Fee
$4,499 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.899 Points$2,877 Points Fee
$2,877 Total Fees$0 Lender Fees
 30 Years Fixed
6.092% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.759 Points$2,429 Points Fee
$3,524 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.104% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.879 Points$2,813 Points Fee
$4,001 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.289% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.611 Points$1,955 Points Fee
$2,655 Total Fees$700 Lender Fees
 30 Years Fixed
7.065% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.763 Points$2,442 Points Fee
$2,442 Total Fees$0 Lender Fees
 30 Years Fixed
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5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.608 Points$1,946 Points Fee
$1,946 Total Fees$0 Lender Fees
 30 Years Fixed
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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 and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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