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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:
Firstmark offers 30-year Conventional and Jumbo fixed loans at 6.625% today. Both rates increased by 38 bp over the past week and month. The rate has risen since mid-September, reflecting a slight upward trend. Pentagon shows 30-year Conventional Fixed rates today at 6.625% and 6.75% for the fixed and refinance options, respectively. FHA and VA 30-year Fixed loans are both at 6.125%. Jumbo 30-year Fixed loans are at 6.625%. Compared to 30 days ago, the refinance 30-year Conventional rate rose by 50 bp, while the others increased by 38 bp.
Together offers a 15-year conventional fixed rate today at 6.625%, up 25 bp from two weeks ago and 50 bp higher than a month ago. Their 30-year conventional fixed rate is 7.125%, unchanged from last week but up 38 bp from a month ago. Jumbo 30-year fixed loans match the conventional 30-year fixed at 7.125%, with the same recent changes. Adjustable 5-year ARMs are at 5.75%, steady from two weeks ago but 25 bp higher than a month ago. Truity shows a 15-year fixed rate today at 6.625%, up 38 bp from last week and 50 bp from 30 days ago. The 30-year fixed rate is 7.375%, also up 38 bp from last week and 50 bp from 30 days ago.
Digital offers a 15-year Conventional Fixed rate at 6.75%, up 13 bp from a week ago and 63 bp higher than a month ago. Their 30-year Conventional Fixed is 7.375%, unchanged from last week and 38 bp above the rate from 30 days ago. The 15-year Conventional ARM matches the fixed rate at 6.75%, with the same weekly and monthly increases. The 30-year Conventional ARM is 7.375%, steady over the past week and 25 bp higher than a month ago.
First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week. Intouch offers a 30-year fixed ARM at 6.875% today, up 38 bp from 30 days ago.
Educators offers a 30-year conventional fixed mortgage at 7.0% today. This rate is unchanged from a week ago but up 38 bp from 30 days prior.
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.