Mortgage Loans in Houston, TX 77096

Looking for the best mortgage rates in Houston, TX? Compare offers from trusted lenders to find a loan that fits your budget and lifestyle. With local expertise, you’ll get clear options and support tailored to your Texas homebuying journey.

Take the guesswork out of mortgage shopping by exploring competitive rates and flexible terms side by side. Whether you’re buying or refinancing in Houston, comparing loans helps you save money and close faster—so you can enjoy your new home with confidence.

Purchase Refinance Data Analysis

Filters

Zip Code

Credit Score

Sort By

Sort Type

Loan Type

CONVENTIONAL

JUMBO

FHA

Lender

Loan Type

Rate

APR

Term

Link

Info

Conv

6.125 - 7 %

6.164 - 7.025 %

15 - 30 Yrs

∞

Conv

6.25 %

6.434 %

30 Yrs

∞

Conv

6.5 %

5 Yrs

∞

Conv

6.875 %

7.576 %

30 Yrs

∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Rally offers a 15-year Conventional Fixed rate at 6.125% today, up 38 bp from 30 days ago. The 30-year Conventional Fixed rate is not quoted for today. The 15-year Conventional Refinance rate matches the purchase rate at 6.125%. Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%.

Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today. Jsc offers a 15-year conventional fixed rate at 6.5% and a 30-year conventional fixed rate at 6.375%. The 30-year conventional fixed rate has held steady over the past week and month. For 30-year VA fixed, the rate is 6.125%, down 25 bp from a month ago. The 30-year conventional refinance rate is 6.875%, down 12 bp from a month ago.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Houston, TX

NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION — 680 MEYERLAND PLAZA MALL HOUSTON TX 77096

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Harris County, TX

✅SPACE CITY CREDIT UNION

✅OAK FARMS EMPLOYEES CREDIT UNION

✅PRIMEWAY FEDERAL CREDIT UNION

✅HOUSTON POLICE FEDERAL CREDIT UNION

✅HOUSTON TEXAS FIRE FIGHTERS FEDERAL CREDIT UNION

✅HOUSTON HIGHWAY CREDIT UNION

✅PILGRIM CUCC FEDERAL CREDIT UNION

✅PORT TERMINAL FEDERAL CREDIT UNION

✅SYNERGY FEDERAL CREDIT UNION

✅UNION FIDELITY FEDERAL CREDIT UNION

✅TEXAS DOW EMPLOYEES CREDIT UNION

✅MEMORIAL 62571 CREDIT UNION

✅INVESTEX CREDIT UNION

✅MET TRAN FEDERAL CREDIT UNION

✅CHEVRON FEDERAL CREDIT UNION

✅PRIORITY TRUST CREDIT UNION

✅UNITED ENERGY CREDIT UNION

✅FIRST SERVICE 68605 CREDIT UNION

✅HARRIS COUNTY FEDERAL CREDIT UNION

✅KBR HERITAGE FEDERAL CREDIT UNION

✅JSC FEDERAL CREDIT UNION

✅ILA 1351 FEDERAL CREDIT UNION

✅SOUTHWEST AIRLINES FEDERAL CREDIT UNION

✅BAKER HUGHES FEDERAL CREDIT UNION

✅CHARTWAY FEDERAL CREDIT UNION

✅FIRST EAGLE FEDERAL CREDIT UNION

✅TEAM FINANCIAL FEDERAL CREDIT UNION

✅RESOURCE ONE CREDIT UNION

✅OUR MOTHER OF MERCY PARISH HOUSTON FEDERAL CREDIT UNION

✅SHELL FEDERAL CREDIT UNION

✅UNITED COMMUNITY 68369 CREDIT UNION

✅SP TRAINMEN FEDERAL CREDIT UNION

✅ADVANCIAL FEDERAL CREDIT UNION

✅BCM FEDERAL CREDIT UNION

✅BAYOU CITY FEDERAL CREDIT UNION

✅PIE CREDIT UNION

✅TRUITY FEDERAL CREDIT UNION

✅MEMBERS CHOICE 67508 CREDIT UNION

✅MEMBERSOURCE CREDIT UNION

✅PORT OF HOUSTON WAREHOUSE FEDERAL CREDIT UNION

✅PORT OF HOUSTON CREDIT UNION

✅TOGETHER CREDIT UNION

✅REED CREDIT UNION

✅FIRST COMMUNITY 66818 CREDIT UNION

✅TRANSTAR FEDERAL CREDIT UNION

✅TEXAS LEE FEDERAL CREDIT UNION

✅BRENTWOOD BAPTIST CHURCH FEDERAL CREDIT UNION

✅TEXAS BAY CREDIT UNION

✅HOUSTON FEDERAL CREDIT UNION

✅ENERGY ONE FEDERAL CREDIT UNION

✅F A A FEDERAL CREDIT UNION

✅GULF COAST EDUCATORS FEDERAL CREDIT UNION

✅HERITAGE HUB FEDERAL CREDIT UNION

✅JAFARI NOINTEREST CREDIT UNION

✅AMOCO FEDERAL CREDIT UNION

✅PREMIER AMERICA CREDIT UNION

✅CREDIT HUMAN FEDERAL CREDIT UNION

✅LIGHT COMMERCE CREDIT UNION

✅CYFAIR CREDIT UNION

✅ENERGY CAPITAL CREDIT UNION

✅SMART FINANCIAL CREDIT UNION

✅EMPOWERMENT COMMUNITY DEVELOPMENT FEDERAL CREDIT UNION

✅BRAZOS VALLEY SCHOOLS CREDIT UNION

✅SOUTHERN STAR CREDIT UNION

✅SOUTHERN 9214 CREDIT UNION

✅BP FEDERAL CREDIT UNION

✅FIRST SERVICE CREDIT UNION

✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION

✅ST LUKES COMMUNITY CREDIT UNION

✅HOUSTON BELT TERMINAL CREDIT UNION

✅JUSTICE FEDERAL CREDIT UNION

✅MEMBERS TRUST OF THE SOUTHWEST FEDERAL CREDIT UNION

✅GREATER TEXAS FEDERAL CREDIT UNION

✅COMMUNITY RESOURCE 68021 CREDIT UNION

✅FIRST TECHNOLOGY FEDERAL CREDIT UNION

✅PIONEER MUTUAL FEDERAL CREDIT UNION

✅ASSOCIATED CREDIT UNION OF TEXAS CREDIT UNION

✅ESSENTIAL CREDIT UNION

✅LOCAL 24 EMPLOYEES FEDERAL CREDIT UNION

✅ILA 28 FEDERAL CREDIT UNION

✅SHARED RESOURCES CREDIT UNION

✅PASADENA MUNICIPAL FEDERAL CREDIT UNION

✅IBEW LU 66 CREDIT UNION

✅CHEMCEL FEDERAL CREDIT UNION

✅BEACON 6062 CREDIT UNION

✅BAYER HERITAGE FEDERAL CREDIT UNION

✅CITY OF DEER PARK FEDERAL CREDIT UNION

✅LUBRIZOL EMPLOYEES CREDIT UNION

✅U S I CREDIT UNION

Compare other loan types in Houston, TX

Why compare Mortgage Loans in Houston, TX on LendMesh

If you’re searching for the best interest rates for mortgage loans in Houston, TX, it pays to keep exploring your options on LendMesh. Comparing offers from multiple lenders helps you uncover better deals and find cheaper rates that fit your budget. Take your time browsing—making informed choices today can save you thousands over the life of your loan.

Stay ahead with LendMesh’s subscription service tailored for Houston homebuyers and refinancers. Simply set your target rate, and we’ll alert you as soon as offers fall below it. Receive expert insights, rate trends, and curated loan deals weekly or monthly, directly to your inbox. Join thousands of savvy borrowers who trust LendMesh to catch the best mortgage opportunities first.

Customers are also interested in:

Best Interest Rates For Mortgage Loans