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Compare Texas’s Mortgage Rates | Saturday, February 7, 2026

Rates are current as of February 7, 2026 12:26 AM EST

Texas average mortgage rates:
30-Year Fixed

APR 5.88%

-0.13% 1w
15-Year Fixed

APR 5.39%

0.02% 1w
5-Year ARM

APR 6.26%

-0.18% 1w
2 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence
License information
2 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence.
Simplist

NMLS#1764611

APR

5.82%

APR

5.82%

Interest rate

5.75%

Est. mo. payment

$2,335/mo

Total fees

$2,992

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The Nerdy headline

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.

Home loans overall

NerdWallet rating

4.5

What we like
  • Loan origination process can be completed online.
  • Offers government-backed FHA and VA loans.
  • Offers module that compares mortgage rates among other lenders.
What we don't like
  • Offers loans in many states and Washington, D.C., but not nationwide.
  • Does not offer home equity loans or lines of credit.
Zillow Home Loans

NMLS#1303160

APR

6.63%

APR

6.63%

Interest rate

6.63%

Est. mo. payment

$2,562/mo

Total fees

$360

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Home loans overall

NerdWallet rating

3.5

What we like
  • Sample rates for conventional, VA and FHA loans available online.
  • Mortgage calculator helps borrowers estimate monthly payments.
  • Allows document uploading and electronic signatures.
What we don't like
  • Does not offer adjustable, jumbo, home equity, home-improvement or USDA loans.
  • Does not allow borrowers to track the loan process online.
  • Must contact the lender for customized rates.

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Today's mortgage rates in Texas | Saturday, February 7, 2026

Last updated 12:26 AM EST
On Saturday morning, February 7, 2026, the average interest rate on a 30-year fixed-rate mortgage fell three basis points to 5.88% APR, compared to yesterday.
The average rate on a 15-year fixed-rate mortgage fell four basis points to 5.39% APR. The average rate on a 5-year adjustable-rate mortgage rose 11 basis points to 6.26% APR.
The 30-year fixed-rate mortgage rate is 13 basis points lower than one week ago and 76 basis points lower than one year ago.
A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.
NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

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