Frequently Asked Questions
What are Texas mortgage rates in 2026?
Texas mortgage rates are currently 4.95% as of January 2026. The national average is 5.0%. Texas is at or below the national average.
How do Texas mortgage rates compare to other states?
Texas mortgage rates of 4.95% compare to a national average of 5.0%. Rates vary by state based on local market conditions, legislation, and economic factors.
Where can I find the best mortgage rates in Texas?
Compare quotes from at least 3 lenders — local banks, credit unions, and national lenders like Quicken or Better.com all serve Texas borrowers.
Should I use a local or national lender for a Texas mortgage?
Both have advantages. Local lenders in Texas often know the local market and may close faster. National lenders (Quicken, Better, loanDepot) can offer competitive rates. Always compare at least 3 quotes before deciding.
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