Mortgage Loans in Baytown, TX

Looking for the best mortgage rates in Baytown, TX? Compare offers from trusted local lenders to find a home loan that fits your budget and lifestyle. Personalized support and competitive rates are just a few clicks away.

Today’s Mortgage Rates & Analysis - Updated on 2025-OCT-11

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.25%. This is lower than 30 days ago when it was 4.50%. Changes in the Fed Funds rate influence mortgage rates because they affect the cost for banks to borrow money, which can impact loan interest rates for consumers.

Credit Union Loan Rates - Trends & Analysis:

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75%, both unchanged from a week ago but up 13 bp from 30 days prior. Their adjustable rates for 3-, 5-, and 7-year terms remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate today is 5.75%, and the 15-year fixed is 5.125%. Baxter offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 6.0%, with the 30-year rate up 13 bp from last week. They also have a 30-year Jumbo Fixed at 5.875%, which rose 25 bp over the past month. Additionally, the 5-year Adjustable sits at 4.75%, down 13 bp from a month ago.

Navy Federal Credit Union offers a 15-year conventional fixed rate at 4.875% and a 30-year conventional fixed rate at 5.625%, both unchanged from a week ago. The 15-year conventional and 30-year conventional refinance rates match these fixed rates. The 30-year VA purchase rate is steady at 5.375%, while the 30-year jumbo purchase rate is 5.875%, down 13 bp from last week. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, with a slight 30-day drop of 13 bp. Affinity Plus offers a 30-year Conventional fixed rate at 6.0% today, down 13 bp from 30 days ago. The 15-year Conventional fixed rate is steady at 5.5%. VA and Jumbo 30-year fixed loans are also at 6.0%, with the Jumbo rate down 13 bp from a month ago. Adjustable 5-year ARMs hold at 4.875%, and 7-year ARMs are at 5.125%.

Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from a week ago and 25 bp higher than 30 days ago. The 30-year Conventional Fixed rate is steady at 6.0%. The 30-year Conventional ARM rate is 6.0%, down 13 bp from 15 days ago. The Jumbo 30-year Fixed rate remains at 6.0%. Educators offers a 15-year conventional fixed rate at 5.25%, down 25 bp from a week ago, and a 30-year conventional fixed at 5.375%, down 50 bp over the same period. The 30-year VA fixed rate is 5.625%, down 13 bp from last week. The 5-year adjustable rate is 5.375%, also down 13 bp compared to seven days ago.

Delta Community offers a 15-year conventional fixed rate at 5.0%, down 25 bp from a month ago, and a 30-year conventional fixed rate at 5.5%, down 13 bp over the same period. Their 30-year jumbo fixed rate is steady today at 5.625%, down 25 bp from 30 days ago. The 15-year conventional fixed rate has held steady over the past week. Advancial offers a 15-year conventional fixed rate at 5.125%, unchanged from a week ago but up 25 bp from a month ago. Their 30-year conventional fixed rate is 5.875%, steady over the past week and month. The 30-year jumbo fixed rate is 6.0%, also steady compared to a week ago.

Connexus offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 5.875% today. Their 15-year Conventional Refinance is 5.75%, while the 30-year Conventional Refinance is 6.375%. The 3-year ARM is at 5.25%, down 50 bp from 30 days ago, and the 5-year ARM is 5.75%, also down 49 bp over the same period. The 7-year ARM stands at 6.25%, down 34 bp from 30 days ago. First Community offers a 15-year conventional fixed rate at 5.25% and a 30-year conventional fixed rate at 5.75%, both unchanged recently. Their 30-year FHA fixed rate is today 5.25%, down 38 bp from 30 days ago. The VA 30-year fixed rate matches the FHA at 5.25%, also down 38 bp over the past month. Jumbo 30-year fixed loans are at 6.0%.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.332%, while Freddie Mac's 30-year rate is 6.300%, with Zillow slightly higher. Zillow's 30-year rate is a bit lower than it was 7 days ago. These rates reflect current borrowing costs, which can influence how many people decide to buy homes or refinance their mortgages.

🏦 All Local Lenders in Baytown, TX

Lender NameBranch AddressOffice ServicesLender Snapshot
BAYER HERITAGE FEDERAL CREDIT UNION
3800 MASSEY TOMPKINS RD BAYTOWN TX 77521
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $869,109,548
Deposits: $128,130,085
Net Worth: $70,036,178
Employees: 155
Members: 43,911
SHELL FEDERAL CREDIT UNION
7235 JOHN MARTIN ROAD BAYTOWN TX 77521
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $1,839,411,280
Deposits: $86,892,425
Net Worth: $227,656,526
Employees: 525
Members: 152,341
GULF COAST EDUCATORS FEDERAL CREDIT UNION
6360 GARTH RD STE 140 BAYTOWN TX 77521
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $1,280,109,508
Deposits: $51,815,491
Net Worth: $186,552,220
Employees: 177
Members: 59,676
TEXAS DOW EMPLOYEES CREDIT UNION
6011 GARTH RD BAYTOWN TX 77521
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $4,835,296,940
Deposits: $465,436,271
Net Worth: $481,391,425
Employees: 878
Members: 379,058
COMMUNITY RESOURCE CREDIT UNION
6810 GARTH RD BAYTOWN TX 77521
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $882,685,157
Deposits: $71,300,649
Net Worth: $82,384,191
Employees: 209
Members: 57,417
COMMUNITY RESOURCE CREDIT UNION
3110 ROLLINGCREEK DRIVE BAYTOWN TX 77521
P2P
E-Statements
E-Signature
Assets: $882,685,157
Deposits: $71,300,649
Net Worth: $82,384,191
Employees: 209
Members: 57,417

🏘️ 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

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