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Looking to refinance your home in Richardson, TX? Compare competitive mortgage rates from trusted local lenders to find the best fit for your budget and goals. Refinancing here means you can save money with lower payments or tap into your home’s equity with confidence.
Our lenders know Richardson’s market and offer fast approvals with flexible terms designed for homeowners like you. Whether you want to reduce your monthly payments or pay off your loan sooner, comparing offers helps you make a smart, clear choice for your financial future.
Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-23
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%, which is higher than 7 days ago at 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates because lenders face higher borrowing costs.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year conventional fixed rate at 4.0% and a 30-year conventional fixed rate at 4.5%, both unchanged from a week ago. The 15-year fixed rate is down 2.34 percentage points from a month earlier. The 15-year and 30-year conventional refinance rates are also 4.0% and 4.5%, respectively. Houston offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.125% today. The 30-year fixed rate increased by 25 bp over the last 30 days, while the 15-year fixed rate rose by 38 bp in the same period. Rates have held steady over the past week for both terms.
East Texas Professional offers 15-year fixed loans at 6.375% and 30-year fixed loans at 6.75%, both unchanged from recent weeks. Their 5-year ARM is steady at 5.25%, while the 10-year ARM holds at 6.0%. Rates remain stable across all terms today. Affinity Plus offers a 15-year Conventional Fixed rate at 6.5% today, up 13 bp from a week ago and 38 bp over the past 30 days. The 30-year Conventional Fixed and Jumbo Fixed rates are both 7.0%, each up 13 bp from last week and 25 bp over 30 days. The VA 30-year Fixed rate is 7.625%, unchanged from a week ago but up 38 bp over 30 days. Adjustable-rate 5-year and 7-year ARMs hold steady at 5.25% and 5.5%.
Neches offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.25%, both unchanged from last week and last month. The rates have been steady at these levels since mid-August. Barksdale offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.5%, both unchanged from last week and last month. Consumers offers a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 7.125%, with the 30-year rate up 38 bp from 30 days ago. American has a 5-year ARM at 6.375%, which rose 38 bp over the past month. Jumbo loans include a 30-year Fixed at 7.125%, up 25 bp in 30 days.
Security Service offers a 15-year Conventional Fixed at 5.625% today, up 38 bp from a week ago. Their 30-year Conventional Fixed is 6.375%, also up 38 bp over the same period. Jumbo 30-year Fixed loans are priced at 6.375%, with the same 38 bp increase. The 30-year FHA Fixed stays steady at 7.5%, and the 30-year VA Fixed is 7.125%. The 10-year Adjustable Fixed is 5.875%. Northrop Grumman offers 3-year fixed at 5.5%, 5-year fixed at 5.625%, and 7-year fixed at 6.125%, all steady from recent weeks. The 5-year fixed is today 5.625%.
First Community offers a 15-year Conventional Fixed at 5.875% and a 30-year Conventional Fixed at 6.75%, both unchanged from a week ago but up 38 bp from a month ago. Their 30-year FHA Fixed and VA Fixed loans are at 6.375%, also steady for the week but up 38 bp over 30 days. The 30-year Jumbo Fixed is 6.875%, with the same weekly and monthly changes.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.021%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 15-year rate stands at 6.911%, higher than 7 days ago. These rates reflect the current cost of borrowing for homebuyers, influencing how much people can afford and the demand for housing.