Mortgage Loans in Austin, TX 78704

Looking to buy a home in Austin, TX? Compare mortgage offers from trusted local lenders to find the best rates and flexible terms that fit your budget. Getting pre-approved is quick and helps you move confidently in Austin’s competitive market.

Austin homebuyers benefit from lenders who understand the city’s unique neighborhoods and offer personalized support. Explore options that include down payment assistance and homebuyer education programs to make your dream of owning a home in Austin a reality.

Purchase Refinance Data Analysis

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CONVENTIONAL

JUMBO

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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-29

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Rally offers a 15-year Conventional Fixed rate at 6.125% and a 30-year Conventional Fixed rate at 7.0% today. The 15-year rate is up 38 bp from 30 days ago. The 30-year rate shows no change over the past 15 days. Both 15- and 30-year Conventional rates are the same for fixed and refinances. Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month.

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 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in Austin, TX

UNIVERSITY FEDERAL CREDIT UNION — 130 E BEN WHITE BLVD AUSTIN TX 78704
CAPITOL CREDIT UNION — 133 E BEN WHITE BLVD AUSTIN TX 78704
VELOCITY CREDIT UNION — 4220 S LAMAR BLVD AUSTIN TX 78704
RANDOLPH-BROOKS FEDERAL CREDIT UNION — 205 W BEN WHITE BLVD AUSTIN TX 78704

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🏘️ All the Lenders Available in Travis County, TX

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Why compare Mortgage Loans in Austin, TX on LendMesh

If you’re exploring home lending options in Austin, TX, take your time comparing offers on LendMesh. Browsing multiple lenders helps you uncover better deals and save money over the life of your loan. With a clear view of competitive rates and terms, you can confidently choose the mortgage that fits your needs without feeling rushed or pressured.

Stay connected with the Austin home lending market by subscribing to LendMesh alerts. Simply set your target rate—whether it’s 5%, 4%, or another goal—and receive notifications when rates dip below that level. Along with weekly or monthly updates, you’ll get expert insights and curated loan deals delivered right to your inbox, helping you make smarter borrowing decisions every step of the way.

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