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Mortgage Rate Trends

Dryden, Texas Mortgage Rates - October 2026

Dryden, Texas mortgage rates from lenders serving Texas range from 5.12% to 8.63%, verified by MonitorBankRates as of October 13, 2026. Current 30-year fixed mortgage rates for Dryden, Texas borrowers from lenders serving Texas include Frost BankFrost BankA+5.0 ★Texas Ratio: 2.51% at 5.75%, Chemcel Federal Credit UnionChemcel Federal Credit UnionA+5.0 ★Texas Ratio: 3.32% at 6.054%, Telco Plus Credit UnionTelco Plus Credit UnionA+5.0 ★Texas Ratio: 2.38% at 6.25%, Education First Federal Credit UnionEducation First Federal Credit UnionA+5.0 ★Texas Ratio: 3.82% at 6.00%, and Texell Credit UnionTexell Credit UnionA+5.0 ★Texas Ratio: 3.98% at 6.63%. Mortgage rates as of October 13, 2026 according to verified data from MonitorBankRates.

Dryden borrowers can compare 183 mortgage rates from 32 lenders serving the Texas area, with mortgage rates as low as 5.75% from Frost Bank. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to Texas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 13, 2026

Compare Mortgage Rates Today in Dryden, Texas & the Surrounding Area

Dryden 30 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
30-year fixed-rate (Income-based) Mortgage
30 years
5.75%
5.826%
▼
Rate5.75%
APR5.826%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 5.83% APR · checked 2 times
5.33%5.83%6.33%Oct 7, 2026: 5.83% APROct 7, 2026Oct 14, 2026
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
30-Year Fixed Mortgage
30 years
6.054%
6.054%
▼
Rate6.054%
APR6.054%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Partner: Member First Mortgage, LLC (MFM); APR* = Annual Percentage Rate

Rate History
1 change since Oct 2, 2026 · 5.88% → 6.05% ▲ 0.18 pts · high 6.05% / low 5.88%
5.38%5.96%6.55%Oct 2, 2026: 5.88% APROct 12, 2026: 6.05% APROct 2, 2026Oct 14, 2026
  • Oct 12, 20266.05%▲ from 5.88%
  • Oct 2, 20265.88%first recorded
Telco Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Mortgage - 30 Year Fixed
30 Year
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; rates subject to change

Rate History
2 changes since Sep 18, 2026 · 6.35% → 6.25% ▼ 0.10 pts · high 6.35% / low 6.10%
5.60%6.23%6.85%Sep 18, 2026: 6.35% APROct 1, 2026: 6.10% APROct 2, 2026: 6.25% APRSep 18, 2026Oct 14, 2026
  • Oct 2, 20266.25%▲ from 6.10%
  • Oct 1, 20266.10%▼ from 6.35%
  • Sep 18, 20266.35%first recorded
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
30 Year Fixed Rate Mortgage
30 Year
6.00%
6.277%
▼
Rate6.00%
APR6.277%
Points0.000
UpdatedOct 13, 2026
Details

Mortgage Loan Rates; APR shown is the lowest available rate

Rate History
No change since Sep 14, 2026 · 6.28% APR · checked 6 times
5.78%6.28%6.78%Sep 14, 2026: 6.28% APRSep 14, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
USDA 30-year Fixed purchase
360 months
6.63%
7.13%
▼
Rate6.63%
APR7.13%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.49% → 7.13% ▲ 0.64 pts · high 7.38% / low 6.49%
5.60%6.94%8.27%Sep 14, 2026: 6.49% APRSep 18, 2026: 6.88% APRSep 27, 2026: 6.99% APROct 1, 2026: 7.38% APROct 10, 2026: 7.13% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.13%▼ from 7.38%
  • Oct 1, 20267.38%▲ from 6.99%
  • Sep 27, 20266.99%▲ from 6.88%
  • Sep 18, 20266.88%▲ from 6.49%
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 Year Fixed Mortgage
30 Year
7.00%
7.276%
▼
Rate7.00%
APR7.276%
Points1.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Oct 10, 2026 · 7.28% APR
6.78%7.28%7.78%Oct 10, 2026: 7.28% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Current Mortgage - 30 Yr Fixed
30 years
7.125%
7.33%
▼
Rate7.125%
APR7.33%
Points0.630
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 7.33% APR
6.83%7.33%7.83%Oct 10, 2026: 7.33% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Mortgages - 30 Yr Fixed
7.125%
7.33%
▼
Rate7.125%
APR7.33%
Points0.630
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 7.33% APR
6.83%7.33%7.83%Oct 10, 2026: 7.33% APROct 10, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
30-year fixed-rate (Location-based) Mortgage
30 years
7.25%
7.333%
▼
Rate7.25%
APR7.333%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.33% APR · checked 2 times
6.83%7.33%7.83%Oct 7, 2026: 7.33% APROct 7, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
30-Year Fixed
30-Year
7.25%
7.347%
▼
Rate7.25%
APR7.347%
Points0.000
UpdatedOct 13, 2026
Details

Home loans up to $832,750; Rate effective date October 12, 2026

Rate History
6 changes since Sep 14, 2026 · 6.97% → 7.35% ▲ 0.38 pts · high 7.47% / low 6.97%
6.47%7.22%7.98%Sep 14, 2026: 6.97% APRSep 25, 2026: 7.22% APRSep 29, 2026: 7.35% APROct 2, 2026: 7.47% APROct 5, 2026: 7.35% APROct 9, 2026: 7.47% APROct 13, 2026: 7.35% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20267.35%▼ from 7.47%
  • Oct 9, 20267.47%▲ from 7.35%
  • Oct 5, 20267.35%▼ from 7.47%
  • Oct 2, 20267.47%▲ from 7.35%
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
30-year Fixed Purchase
360 months
7.25%
7.36%
▼
Rate7.25%
APR7.36%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.61% → 7.36% ▲ 0.75 pts · high 7.36% / low 6.61%
5.86%6.98%8.11%Sep 14, 2026: 6.61% APRSep 18, 2026: 6.86% APRSep 27, 2026: 7.24% APROct 2, 2026: 7.36% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.36%▲ from 7.24%
  • Sep 27, 20267.24%▲ from 6.86%
  • Sep 18, 20266.86%▲ from 6.61%
  • Sep 14, 20266.61%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
30 Year Fixed
30 years
7.25%
7.404%
▼
Rate7.25%
APR7.404%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.90% → 7.40% ▲ 0.50 pts · high 7.40% / low 6.90%
6.39%7.15%7.91%Sep 14, 2026: 6.90% APROct 1, 2026: 7.40% APRSep 14, 2026Oct 14, 2026
  • Oct 1, 20267.40%▲ from 6.90%
  • Sep 14, 20266.90%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Mortgage Refinance - 30 Year Fixed
7.25%
7.404%
▼
Rate7.25%
APR7.404%
Points0.000
UpdatedOct 13, 2026
Details

Monthly Principal & Interest: $2,047.00

Rate History
No change since Oct 13, 2026 · 7.40% APR
6.90%7.40%7.90%Oct 13, 2026: 7.40% APROct 13, 2026Oct 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
VA 30 Year Fixed
30 years
7.125%
7.464%
▼
Rate7.125%
APR7.464%
Points0.000
UpdatedOct 12, 2026
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
3 changes since Sep 18, 2026 · 7.08% → 7.46% ▲ 0.38 pts · high 7.46% / low 7.08%
6.58%7.27%7.96%Sep 18, 2026: 7.08% APRSep 25, 2026: 7.21% APROct 4, 2026: 7.34% APROct 8, 2026: 7.46% APRSep 18, 2026Oct 14, 2026
  • Oct 8, 20267.46%▲ from 7.34%
  • Oct 4, 20267.34%▲ from 7.21%
  • Sep 25, 20267.21%▲ from 7.08%
  • Sep 18, 20267.08%first recorded
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
30 Year Fixed Conforming
30 years
7.375%
7.482%
▼
Rate7.375%
APR7.482%
Points0.125
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Oct 10, 2026 · 7.48% APR
6.98%7.48%7.98%Oct 10, 2026: 7.48% APROct 10, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
VA 30-Year Fixed
30-year
7.00%
7.50%
▼
Rate7.00%
APR7.50%
Points0.000
UpdatedOct 9, 2026
Details

Guaranteed by the Veterans Administration (VA). For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 6.85% → 7.50% ▲ 0.65 pts · high 7.51% / low 6.85%
6.19%7.18%8.17%Sep 14, 2026: 6.85% APRSep 21, 2026: 6.97% APRSep 26, 2026: 7.34% APRSep 29, 2026: 7.20% APROct 2, 2026: 7.51% APROct 9, 2026: 7.50% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.50%▼ from 7.51%
  • Oct 2, 20267.51%▲ from 7.20%
  • Sep 29, 20267.20%▼ from 7.34%
  • Sep 26, 20267.34%▲ from 6.97%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Conforming 30-Year Fixed
30-year
7.38%
7.52%
▼
Rate7.38%
APR7.52%
Points0.000
UpdatedOct 9, 2026
Details

For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 7.00% → 7.52% ▲ 0.52 pts · high 7.63% / low 7.00%
6.37%7.31%8.26%Sep 14, 2026: 7.00% APRSep 21, 2026: 7.12% APRSep 26, 2026: 7.34% APRSep 29, 2026: 7.35% APROct 2, 2026: 7.63% APROct 9, 2026: 7.52% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.52%▼ from 7.63%
  • Oct 2, 20267.63%▲ from 7.35%
  • Sep 29, 20267.35%▲ from 7.34%
  • Sep 26, 20267.34%▲ from 7.12%
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
30-year fixed-rate
30 years
7.50%
7.538%
▼
Rate7.50%
APR7.538%
Points0.000
UpdatedOct 7, 2026
Details

Additional APR listed for this product: 7.606%.

Rate History
No change since Oct 7, 2026 · 7.54% APR · checked 2 times
7.04%7.54%8.04%Oct 7, 2026: 7.54% APROct 7, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
VA 30-year Fixed Purchase
360 months
7.38%
7.56%
▼
Rate7.38%
APR7.56%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.66% → 7.56% ▲ 0.90 pts · high 7.56% / low 6.66%
5.76%7.11%8.46%Sep 14, 2026: 6.66% APRSep 18, 2026: 6.93% APRSep 27, 2026: 7.17% APROct 1, 2026: 7.56% APRSep 14, 2026Oct 14, 2026
  • Oct 1, 20267.56%▲ from 7.17%
  • Sep 27, 20267.17%▲ from 6.93%
  • Sep 18, 20266.93%▲ from 6.66%
  • Sep 14, 20266.66%first recorded
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Mortgage - 30 Year Fixed
30 years
7.50%
7.604%
▼
Rate7.50%
APR7.604%
Points0.000
UpdatedOct 12, 2026
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
4 changes since Sep 18, 2026 · 7.23% → 7.60% ▲ 0.38 pts · high 7.73% / low 7.23%
6.72%7.48%8.23%Sep 18, 2026: 7.23% APRSep 25, 2026: 7.35% APROct 4, 2026: 7.60% APROct 8, 2026: 7.73% APROct 12, 2026: 7.60% APRSep 18, 2026Oct 14, 2026
  • Oct 12, 20267.60%▼ from 7.73%
  • Oct 8, 20267.73%▲ from 7.60%
  • Oct 4, 20267.60%▲ from 7.35%
  • Sep 25, 20267.35%▲ from 7.23%
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
FHA 30-year Fixed purchase
360 months
7.13%
7.72%
▼
Rate7.13%
APR7.72%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.95% → 7.72% ▲ 0.77 pts · high 7.85% / low 6.95%
6.05%7.40%8.75%Sep 14, 2026: 6.95% APRSep 18, 2026: 7.34% APRSep 27, 2026: 7.58% APROct 1, 2026: 7.72% APROct 2, 2026: 7.85% APROct 10, 2026: 7.72% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.72%▼ from 7.85%
  • Oct 2, 20267.85%▲ from 7.72%
  • Oct 1, 20267.72%▲ from 7.58%
  • Sep 27, 20267.58%▲ from 7.34%
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Conventional 30 Year Fixed +1pt
7.375%
7.727%
▼
Rate7.375%
APR7.727%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.09% → 7.73% ▲ 0.64 pts · high 7.73% / low 7.09%
6.45%7.41%8.37%Sep 15, 2026: 7.09% APRSep 24, 2026: 7.34% APRSep 27, 2026: 7.47% APROct 7, 2026: 7.73% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.73%▲ from 7.47%
  • Sep 27, 20267.47%▲ from 7.34%
  • Sep 24, 20267.34%▲ from 7.09%
  • Sep 15, 20267.09%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Investment Property 30-year Fixed Purchase
360 months
7.63%
7.74%
▼
Rate7.63%
APR7.74%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.48% → 7.74% ▲ 1.26 pts · high 8.12% / low 6.48%
4.84%7.30%9.76%Sep 14, 2026: 6.48% APRSep 18, 2026: 7.24% APRSep 27, 2026: 7.74% APROct 2, 2026: 8.12% APROct 10, 2026: 7.74% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.74%▼ from 8.12%
  • Oct 2, 20268.12%▲ from 7.74%
  • Sep 27, 20267.74%▲ from 7.24%
  • Sep 18, 20267.24%▲ from 6.48%
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
VA 30 Year Fixed +1pt
7.25%
7.751%
▼
Rate7.25%
APR7.751%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.10% → 7.75% ▲ 0.65 pts · high 7.75% / low 7.10%
6.46%7.43%8.40%Sep 15, 2026: 7.10% APRSep 24, 2026: 7.36% APRSep 27, 2026: 7.62% APROct 7, 2026: 7.75% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.75%▲ from 7.62%
  • Sep 27, 20267.62%▲ from 7.36%
  • Sep 24, 20267.36%▲ from 7.10%
  • Sep 15, 20267.10%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Conventional 30 Year Fixed
7.625%
7.77%
▼
Rate7.625%
APR7.77%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.14% → 7.77% ▲ 0.63 pts · high 7.77% / low 7.14%
6.50%7.45%8.40%Sep 15, 2026: 7.14% APRSep 24, 2026: 7.39% APRSep 27, 2026: 7.52% APROct 7, 2026: 7.77% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.77%▲ from 7.52%
  • Sep 27, 20267.52%▲ from 7.39%
  • Sep 24, 20267.39%▲ from 7.14%
  • Sep 15, 20267.14%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Conforming 30-Year Fixed
7.75%
7.83%
▼
Rate7.75%
APR7.83%
Points0.000
UpdatedOct 9, 2026
Details

A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.

Rate History
4 changes since Sep 14, 2026 · 7.30% → 7.83% ▲ 0.53 pts · high 7.83% / low 7.30%
6.77%7.56%8.36%Sep 14, 2026: 7.30% APRSep 18, 2026: 7.33% APRSep 26, 2026: 7.66% APROct 2, 2026: 7.71% APROct 9, 2026: 7.83% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.83%▲ from 7.71%
  • Oct 2, 20267.71%▲ from 7.66%
  • Sep 26, 20267.66%▲ from 7.33%
  • Sep 18, 20267.33%▲ from 7.30%
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
USDA/Rural Housing 30 Year Fixed Rate
7.25%
7.85%
▼
Rate7.25%
APR7.85%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.34% → 7.85% ▲ 0.51 pts · high 7.85% / low 7.34%
6.83%7.60%8.36%Sep 15, 2026: 7.34% APRSep 24, 2026: 7.47% APRSep 27, 2026: 7.72% APROct 7, 2026: 7.85% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.85%▲ from 7.72%
  • Sep 27, 20267.72%▲ from 7.47%
  • Sep 24, 20267.47%▲ from 7.34%
  • Sep 15, 20267.34%first recorded
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Mortgage Loans - 30 Year Fixed
30 Year
7.75%
7.929%
▼
Rate7.75%
APR7.929%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Mortgage Loans Rates

Rate History
2 changes since Sep 25, 2026 · 7.68% → 7.93% ▲ 0.25 pts · high 7.93% / low 7.68%
7.18%7.80%8.43%Sep 25, 2026: 7.68% APROct 2, 2026: 7.80% APROct 9, 2026: 7.93% APRSep 25, 2026Oct 14, 2026
  • Oct 9, 20267.93%▲ from 7.80%
  • Oct 2, 20267.80%▲ from 7.68%
  • Sep 25, 20267.68%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1XClose 30 YR Fixed
30 years
7.875%
7.93%
▼
Rate7.875%
APR7.93%
Points0.000
UpdatedOct 13, 2026
Details

Construction Loan; Based on a $800,000 Loan Amount with an 80% CLTV and FICO>=740; Loan amount is financed upfront

Rate History
3 changes since Sep 14, 2026 · 6.92% → 7.93% ▲ 1.01 pts · high 7.93% / low 6.92%
5.92%7.43%8.94%Sep 14, 2026: 6.92% APRSep 17, 2026: 7.30% APRSep 25, 2026: 7.68% APROct 5, 2026: 7.93% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.93%▲ from 7.68%
  • Sep 25, 20267.68%▲ from 7.30%
  • Sep 17, 20267.30%▲ from 6.92%
  • Sep 14, 20266.92%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
VA 30 Year Fixed
7.75%
8.052%
▼
Rate7.75%
APR8.052%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.16% → 8.05% ▲ 0.89 pts · high 8.05% / low 7.16%
6.26%7.60%8.95%Sep 15, 2026: 7.16% APRSep 24, 2026: 7.54% APRSep 27, 2026: 7.93% APROct 7, 2026: 8.05% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20268.05%▲ from 7.93%
  • Sep 27, 20267.93%▲ from 7.54%
  • Sep 24, 20267.54%▲ from 7.16%
  • Sep 15, 20267.16%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
30 Year Fixed First Time Home Buyers
30 Year
8.25%
8.437%
▼
Rate8.25%
APR8.437%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
2 changes since Sep 14, 2026 · 8.06% → 8.44% ▲ 0.38 pts · high 8.44% / low 8.06%
7.56%8.25%8.94%Sep 14, 2026: 8.06% APRSep 27, 2026: 8.18% APROct 1, 2026: 8.44% APRSep 14, 2026Oct 14, 2026
  • Oct 1, 20268.44%▲ from 8.18%
  • Sep 27, 20268.18%▲ from 8.06%
  • Sep 14, 20268.06%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Mortgage - FHA 30 Year Fixed
7.625%
8.622%
▼
Rate7.625%
APR8.622%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 7.86% → 8.62% ▲ 0.76 pts · high 8.62% / low 7.86%
7.10%8.24%9.38%Sep 24, 2026: 7.86% APRSep 27, 2026: 8.12% APROct 7, 2026: 8.62% APRSep 24, 2026Oct 14, 2026
  • Oct 7, 20268.62%▲ from 8.12%
  • Sep 27, 20268.12%▲ from 7.86%
  • Sep 24, 20267.86%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
FHA 30 Year Fixed +1pt
7.25%
8.643%
▼
Rate7.25%
APR8.643%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.22% → 8.64% ▲ 1.43 pts · high 8.64% / low 7.22%
5.79%7.93%10.07%Sep 15, 2026: 7.22% APRSep 24, 2026: 8.00% APRSep 27, 2026: 8.25% APROct 7, 2026: 8.64% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20268.64%▲ from 8.25%
  • Sep 27, 20268.25%▲ from 8.00%
  • Sep 24, 20268.00%▲ from 7.22%
  • Sep 15, 20267.22%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
FHA 30-Year Fixed
30-year
7.00%
8.86%
▼
Rate7.00%
APR8.86%
Points0.000
UpdatedOct 9, 2026
Details

Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 8.08% → 8.86% ▲ 0.78 pts · high 8.87% / low 8.08%
7.29%8.48%9.66%Sep 14, 2026: 8.08% APRSep 21, 2026: 8.23% APRSep 26, 2026: 8.68% APRSep 29, 2026: 8.52% APROct 2, 2026: 8.87% APROct 9, 2026: 8.86% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20268.86%▼ from 8.87%
  • Oct 2, 20268.87%▲ from 8.52%
  • Sep 29, 20268.52%▼ from 8.68%
  • Sep 26, 20268.68%▲ from 8.23%

Dryden 15 Year Fixed Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Telco Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Mortgage - 15 Year Fixed
15 Year
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; rates subject to change

Rate History
2 changes since Sep 18, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.25% APROct 1, 2026: 5.00% APROct 2, 2026: 5.50% APRSep 18, 2026Oct 14, 2026
  • Oct 2, 20265.50%▲ from 5.00%
  • Oct 1, 20265.00%▼ from 5.25%
  • Sep 18, 20265.25%first recorded
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
15 Year Fixed Rate Mortgage
15 Year
5.50%
5.733%
▼
Rate5.50%
APR5.733%
Points0.000
UpdatedOct 13, 2026
Details

Mortgage Loan Rates; APR shown is the lowest available rate

Rate History
No change since Sep 14, 2026 · 5.73% APR · checked 6 times
5.23%5.73%6.23%Sep 14, 2026: 5.73% APRSep 14, 2026Oct 14, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
15-Year Fixed Rate Loan
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 13, 2026
Details

All rates quoted with zero points; Loans available on primary residence, secondary residence, or investment property in Missouri

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
15-year Fixed Purchase
180 months
6.38%
6.55%
▼
Rate6.38%
APR6.55%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.67% / low 6.17%
5.67%6.42%7.17%Sep 14, 2026: 6.30% APRSep 18, 2026: 6.17% APRSep 22, 2026: 6.30% APRSep 27, 2026: 6.55% APROct 2, 2026: 6.67% APROct 10, 2026: 6.55% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20266.55%▼ from 6.67%
  • Oct 2, 20266.67%▲ from 6.55%
  • Sep 27, 20266.55%▲ from 6.30%
  • Sep 22, 20266.30%▲ from 6.17%
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
15 Year Fixed
15 years
6.375%
6.583%
▼
Rate6.375%
APR6.583%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 6.12% → 6.58% ▲ 0.46 pts · high 6.58% / low 6.12%
5.62%6.35%7.08%Sep 14, 2026: 6.12% APROct 1, 2026: 6.58% APRSep 14, 2026Oct 14, 2026
  • Oct 1, 20266.58%▲ from 6.12%
  • Sep 14, 20266.12%first recorded
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Mortgage Refinance - 15 Year Fixed
6.375%
6.583%
▼
Rate6.375%
APR6.583%
Points0.000
UpdatedOct 13, 2026
Details

Monthly Principal & Interest: $2,593.00

Rate History
No change since Oct 13, 2026 · 6.58% APR
6.08%6.58%7.08%Oct 13, 2026: 6.58% APROct 13, 2026Oct 14, 2026
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
15-year fixed-rate
15 years
6.625%
6.79%
▼
Rate6.625%
APR6.79%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.79% APR · checked 2 times
6.29%6.79%7.29%Oct 7, 2026: 6.79% APROct 7, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
15 Year Fixed Mortgage
15 Year
6.375%
6.814%
▼
Rate6.375%
APR6.814%
Points1.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Oct 10, 2026 · 6.81% APR
6.31%6.81%7.31%Oct 10, 2026: 6.81% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Current Mortgage - 15 Yr Fixed
15 years
6.49%
6.85%
▼
Rate6.49%
APR6.85%
Points0.950
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 6.85% APR
6.35%6.85%7.35%Oct 10, 2026: 6.85% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Mortgages - 15 Yr Fixed
6.49%
6.85%
▼
Rate6.49%
APR6.85%
Points0.950
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 6.85% APR
6.35%6.85%7.35%Oct 10, 2026: 6.85% APROct 10, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
15-Year Fixed
15-Year
6.875%
7.03%
▼
Rate6.875%
APR7.03%
Points0.000
UpdatedOct 13, 2026
Details

Home loans up to $832,750; Rate effective date October 12, 2026

Rate History
4 changes since Sep 14, 2026 · 6.53% → 7.03% ▲ 0.50 pts · high 7.16% / low 6.53%
5.90%6.84%7.78%Sep 14, 2026: 6.53% APRSep 17, 2026: 6.65% APRSep 25, 2026: 7.03% APRSep 29, 2026: 7.16% APROct 5, 2026: 7.03% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.03%▼ from 7.16%
  • Sep 29, 20267.16%▲ from 7.03%
  • Sep 25, 20267.03%▲ from 6.65%
  • Sep 17, 20266.65%▲ from 6.53%
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.97%
15 Year Fixed Conforming
15 Year
6.875%
7.044%
▼
Rate6.875%
APR7.044%
Points0.125
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 6.79% → 7.04% ▲ 0.25 pts · high 7.04% / low 6.79%
6.29%6.92%7.54%Sep 22, 2026: 6.79% APROct 10, 2026: 7.04% APRSep 22, 2026Oct 14, 2026
  • Oct 10, 20267.04%▲ from 6.79%
  • Sep 22, 20266.79%first recorded
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
15-year fixed-rate
15 years
7.00%
7.06%
▼
Rate7.00%
APR7.06%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.06% APR · checked 2 times
6.56%7.06%7.56%Oct 7, 2026: 7.06% APROct 7, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Conforming 15-Year Fixed
15-year
6.88%
7.08%
▼
Rate6.88%
APR7.08%
Points0.000
UpdatedOct 9, 2026
Details

For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 6.54% → 7.08% ▲ 0.54 pts · high 7.10% / low 6.54%
5.98%6.82%7.66%Sep 14, 2026: 6.54% APRSep 21, 2026: 6.77% APRSep 26, 2026: 7.02% APRSep 29, 2026: 6.99% APROct 2, 2026: 7.10% APROct 9, 2026: 7.08% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.08%▼ from 7.10%
  • Oct 2, 20267.10%▲ from 6.99%
  • Sep 29, 20266.99%▼ from 7.02%
  • Sep 26, 20267.02%▲ from 6.77%
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
VA 15-year Fixed Purchase
180 months
6.75%
7.14%
▼
Rate6.75%
APR7.14%
Points0.630
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.41% → 7.14% ▲ 0.73 pts · high 7.24% / low 6.41%
5.58%6.83%8.07%Sep 14, 2026: 6.41% APRSep 18, 2026: 7.06% APRSep 27, 2026: 7.14% APROct 1, 2026: 7.24% APROct 2, 2026: 7.20% APROct 10, 2026: 7.14% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.14%▼ from 7.20%
  • Oct 2, 20267.20%▼ from 7.24%
  • Oct 1, 20267.24%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 7.06%
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Mortgage - 15 Year Fixed
15 years
7.00%
7.163%
▼
Rate7.00%
APR7.163%
Points0.000
UpdatedOct 12, 2026
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
3 changes since Sep 18, 2026 · 6.79% → 7.16% ▲ 0.38 pts · high 7.16% / low 6.79%
6.29%6.97%7.66%Sep 18, 2026: 6.79% APRSep 20, 2026: 6.91% APRSep 25, 2026: 7.04% APROct 4, 2026: 7.16% APRSep 18, 2026Oct 14, 2026
  • Oct 4, 20267.16%▲ from 7.04%
  • Sep 25, 20267.04%▲ from 6.91%
  • Sep 20, 20266.91%▲ from 6.79%
  • Sep 18, 20266.79%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Lot 15 YR Fixed
15 years
7.00%
7.176%
▼
Rate7.00%
APR7.176%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Lot/Land loan; Based on a $120,000 Loan Amount with an 80% CLTV and FICO>=740; Estimated payment examples do not include taxes and insurance premiums

Rate History
No change since Sep 14, 2026 · 7.18% APR · checked 10 times
6.68%7.18%7.68%Sep 14, 2026: 7.18% APRSep 14, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
FHA 15-year Fixed purchase
180 months
6.75%
7.41%
▼
Rate6.75%
APR7.41%
Points0.880
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
6 changes since Sep 14, 2026 · 6.75% → 7.41% ▲ 0.66 pts · high 7.41% / low 6.75%
6.09%7.08%8.07%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.32% APRSep 22, 2026: 7.21% APRSep 27, 2026: 7.30% APROct 1, 2026: 7.38% APROct 2, 2026: 7.36% APROct 10, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.41%▲ from 7.36%
  • Oct 2, 20267.36%▼ from 7.38%
  • Oct 1, 20267.38%▲ from 7.30%
  • Sep 27, 20267.30%▲ from 7.21%
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Conventional 15 Year Fixed +1pt
6.875%
7.427%
▼
Rate6.875%
APR7.427%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.04% → 7.43% ▲ 0.38 pts · high 7.56% / low 7.04%
6.53%7.30%8.07%Sep 15, 2026: 7.04% APRSep 24, 2026: 7.56% APRSep 27, 2026: 7.30% APROct 7, 2026: 7.43% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.43%▲ from 7.30%
  • Sep 27, 20267.30%▼ from 7.56%
  • Sep 24, 20267.56%▲ from 7.04%
  • Sep 15, 20267.04%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1XClose 15 YR Fixed
15 years
7.375%
7.462%
▼
Rate7.375%
APR7.462%
Points0.000
UpdatedOct 13, 2026
Details

Construction Loan; Based on a $800,000 Loan Amount with an 80% CLTV and FICO>=740; Loan amount is financed upfront

Rate History
3 changes since Sep 14, 2026 · 6.45% → 7.46% ▲ 1.01 pts · high 7.46% / low 6.45%
5.44%6.96%8.47%Sep 14, 2026: 6.45% APRSep 17, 2026: 6.83% APRSep 25, 2026: 7.21% APROct 5, 2026: 7.46% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.46%▲ from 7.21%
  • Sep 25, 20267.21%▲ from 6.83%
  • Sep 17, 20266.83%▲ from 6.45%
  • Sep 14, 20266.45%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Conventional 15 Year Fixed
7.25%
7.475%
▼
Rate7.25%
APR7.475%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 6.97% → 7.48% ▲ 0.51 pts · high 7.60% / low 6.97%
6.33%7.29%8.24%Sep 15, 2026: 6.97% APRSep 24, 2026: 7.60% APRSep 27, 2026: 7.35% APROct 7, 2026: 7.48% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.48%▲ from 7.35%
  • Sep 27, 20267.35%▼ from 7.60%
  • Sep 24, 20267.60%▲ from 6.97%
  • Sep 15, 20266.97%first recorded
Telco Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Land Loan - 15 Year Fixed
15 Year
7.50%
7.50%
▼
Rate7.50%
APR7.50%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; rates subject to change

Rate History
1 change since Sep 18, 2026 · 7.38% → 7.50% ▲ 0.12 pts · high 7.50% / low 7.38%
6.88%7.44%8.00%Sep 18, 2026: 7.38% APROct 1, 2026: 7.50% APRSep 18, 2026Oct 14, 2026
  • Oct 1, 20267.50%▲ from 7.38%
  • Sep 18, 20267.38%first recorded
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Investment Property 15-year Fixed Purchase
180 months
7.38%
7.55%
▼
Rate7.38%
APR7.55%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
4 changes since Sep 14, 2026 · 6.17% → 7.55% ▲ 1.38 pts · high 7.55% / low 6.17%
4.79%6.86%8.93%Sep 14, 2026: 6.17% APRSep 18, 2026: 7.05% APRSep 22, 2026: 7.18% APRSep 27, 2026: 7.43% APROct 2, 2026: 7.55% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.55%▲ from 7.43%
  • Sep 27, 20267.43%▲ from 7.18%
  • Sep 22, 20267.18%▲ from 7.05%
  • Sep 18, 20267.05%▲ from 6.17%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Conforming 15-Year Fixed
7.50%
7.63%
▼
Rate7.50%
APR7.63%
Points0.000
UpdatedOct 9, 2026
Details

A home loan that uses your primary residence's equity as collateral and offers possible tax benefits.

Rate History
6 changes since Sep 14, 2026 · 6.96% → 7.63% ▲ 0.67 pts · high 7.65% / low 6.96%
6.27%7.31%8.34%Sep 14, 2026: 6.96% APRSep 18, 2026: 7.09% APRSep 21, 2026: 7.11% APRSep 26, 2026: 7.57% APRSep 29, 2026: 7.54% APROct 2, 2026: 7.65% APROct 9, 2026: 7.63% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.63%▼ from 7.65%
  • Oct 2, 20267.65%▲ from 7.54%
  • Sep 29, 20267.54%▼ from 7.57%
  • Sep 26, 20267.57%▲ from 7.11%
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Land 15 YR Fixed
15 years
7.50%
7.682%
▼
Rate7.50%
APR7.682%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Lot/Land loan; Based on a $120,000 Loan Amount with an 80% CLTV and FICO>=740; Estimated payment examples do not include taxes and insurance premiums

Rate History
No change since Sep 14, 2026 · 7.68% APR · checked 10 times
7.18%7.68%8.18%Sep 14, 2026: 7.68% APRSep 14, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Land Loan 15-Year Fixed
15 years
8.63%
8.86%
▼
Rate8.63%
APR8.86%
Points0.000
UpdatedOct 9, 2026
Details

A fixed rate and a 15-year term. Starting at $50,000

Rate History
6 changes since Sep 14, 2026 · 8.46% → 8.86% ▲ 0.40 pts · high 8.86% / low 8.43%
7.93%8.65%9.36%Sep 14, 2026: 8.46% APRSep 18, 2026: 8.44% APRSep 21, 2026: 8.43% APRSep 26, 2026: 8.53% APRSep 29, 2026: 8.65% APROct 2, 2026: 8.76% APROct 9, 2026: 8.86% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20268.86%▲ from 8.76%
  • Oct 2, 20268.76%▲ from 8.65%
  • Sep 29, 20268.65%▲ from 8.53%
  • Sep 26, 20268.53%▲ from 8.43%

Dryden 5/1 ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year
30-Year
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 14, 2026
DuGood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
ADJUSTABLE-RATE MORTGAGE (ARM) - 5/1 ARM
30 Year
5.25%
5.68%
▼
Rate5.25%
APR5.68%
Points0.000
UpdatedOct 10, 2026
Details

Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV

Rate History
No change since Sep 14, 2026 · 5.68% APR · checked 8 times
5.18%5.68%6.18%Sep 14, 2026: 5.68% APRSep 14, 2026Oct 14, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Select a Mortgage Type - 5/6 SOFR ARM
5.363%
5.711%
▼
Rate5.363%
APR5.711%
Points0.000
UpdatedOct 13, 2026
Details

Rate based on $280,000 loan, owner-occupied single-family 1-unit, 80% LTV, FICO 740+

Rate History
6 changes since Sep 14, 2026 · 5.33% → 5.71% ▲ 0.38 pts · high 5.71% / low 5.33%
4.83%5.52%6.21%Sep 14, 2026: 5.33% APRSep 21, 2026: 5.39% APRSep 25, 2026: 5.47% APROct 2, 2026: 5.64% APROct 5, 2026: 5.64% APROct 9, 2026: 5.71% APROct 13, 2026: 5.71% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20265.71%▼ from 5.71%
  • Oct 9, 20265.71%▲ from 5.64%
  • Oct 5, 20265.64%▼ from 5.64%
  • Oct 2, 20265.64%▲ from 5.47%
Pinnacle Federal Credit Union
5/1 Year ARM
30 Years
5.50%
5.989%
▼
Rate5.50%
APR5.989%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 14, 2026
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
Mortgage Purchase - 5/5 ARM
5 years
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 12, 2026
Details

Term: 5 years initial fixed period; As Low As; Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)

Rate History
1 change since Sep 17, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 17, 2026: 5.75% APROct 2, 2026: 6.00% APRSep 17, 2026Oct 14, 2026
  • Oct 2, 20266.00%▲ from 5.75%
  • Sep 17, 20265.75%first recorded
A+ Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.13%
Mortgage Refinance - 5/5 ARM Refinance
5 years
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Adjustable rate; Estimated payment: $2,098.43 per month for initial fixed rate period (5 years)

Rate History
1 change since Sep 25, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 25, 2026: 5.75% APROct 2, 2026: 6.00% APRSep 25, 2026Oct 14, 2026
  • Oct 2, 20266.00%▲ from 5.75%
  • Sep 25, 20265.75%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Adjustable Rate Mortgage - 5/1 ARM
5/1 ARM
5.125%
6.03%
▼
Rate5.125%
APR6.03%
Points1.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
No change since Sep 18, 2026 · 6.03% APR · checked 2 times
5.53%6.03%6.53%Sep 18, 2026: 6.03% APRSep 18, 2026Oct 14, 2026
Pinnacle Federal Credit Union
5/5 Year ARM
30 Years
5.75%
6.056%
▼
Rate5.75%
APR6.056%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.06% APR · checked 3 times
5.56%6.06%6.56%Sep 14, 2026: 6.06% APRSep 14, 2026Oct 14, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
5/5 Adjustable-Rate Mortgage (ARM)
6.00%
6.093%
▼
Rate6.00%
APR6.093%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Rate locked for first 5 years, then adjusts every 5 years; minimum down payment 5%; Mortgage loans available only on property in Texas

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5/6mo ARM
6.00%
6.254%
▼
Rate6.00%
APR6.254%
Points0.000
UpdatedOct 13, 2026
Details

Adjustable Rate Mortgage

Rate History
1 change since Oct 2, 2026 · 7.03% → 6.25% ▼ 0.77 pts · high 7.03% / low 6.25%
5.48%6.64%7.80%Oct 2, 2026: 7.03% APROct 13, 2026: 6.25% APROct 2, 2026Oct 14, 2026
  • Oct 13, 20266.25%▼ from 7.03%
  • Oct 2, 20267.03%first recorded
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Mortgage Loans - 5/5 ARM
5 Year
6.00%
6.411%
▼
Rate6.00%
APR6.411%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Mortgage Loans Rates

Rate History
No change since Sep 25, 2026 · 6.41% APR · checked 6 times
5.91%6.41%6.91%Sep 25, 2026: 6.41% APRSep 25, 2026Oct 14, 2026
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Adjustable-Rate 5/1 Loan
5/1
6.37%
6.55%
▼
Rate6.37%
APR6.55%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 1, 2026 · 6.55% APR · checked 3 times
6.05%6.55%7.05%Oct 1, 2026: 6.55% APROct 1, 2026Oct 14, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
15/15-Year Adjustable Rate Mortgage
6.375%
6.612%
▼
Rate6.375%
APR6.612%
Points0.000
UpdatedOct 13, 2026
Details

Rate as low as...; Payment example: $1278.93 based on $205,000 loan, 80% CLTV, FICO>=740; 5% rate cap for one-time adjustment

Rate History
2 changes since Sep 14, 2026 · 6.22% → 6.61% ▲ 0.40 pts · high 6.61% / low 6.22%
5.72%6.41%7.11%Sep 14, 2026: 6.22% APRSep 17, 2026: 6.24% APROct 5, 2026: 6.61% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20266.61%▲ from 6.24%
  • Sep 17, 20266.24%▲ from 6.22%
  • Sep 14, 20266.22%first recorded
Pinnacle Federal Credit Union
5/1 Year ARM
30 Years
6.00%
6.728%
▼
Rate6.00%
APR6.728%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.73% APR · checked 3 times
6.23%6.73%7.23%Sep 14, 2026: 6.73% APRSep 14, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5/6 ARM 30-Year Variable
30-Year
6.625%
6.794%
▼
Rate6.625%
APR6.794%
Points0.000
UpdatedOct 13, 2026
Details

Home loans up to $832,750; Rate effective date October 12, 2026

Rate History
2 changes since Sep 14, 2026 · 6.57% → 6.79% ▲ 0.23 pts · high 6.84% / low 6.57%
6.07%6.71%7.34%Sep 14, 2026: 6.57% APROct 9, 2026: 6.84% APROct 13, 2026: 6.79% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20266.79%▼ from 6.84%
  • Oct 9, 20266.84%▲ from 6.57%
  • Sep 14, 20266.57%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
ARM (Adjustable Rate Mortgage)
15 Year; 5/1
5.875%
6.822%
▼
Rate5.875%
APR6.822%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 5.44% → 6.82% ▲ 1.38 pts · high 6.82% / low 5.44%
4.06%6.13%8.20%Sep 25, 2026: 5.44% APROct 12, 2026: 6.82% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20266.82%▲ from 5.44%
  • Sep 25, 20265.44%first recorded
Pinnacle Federal Credit Union
5/5 Year ARM
30 Years
6.25%
6.827%
▼
Rate6.25%
APR6.827%
Points0.000
UpdatedSep 25, 2026
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 6.83% APR · checked 3 times
6.33%6.83%7.33%Sep 14, 2026: 6.83% APRSep 14, 2026Oct 14, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5/1 Arm (30-Year)
30 years
6.905%
6.905%
▼
Rate6.905%
APR6.905%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Home Loans

Rate History
No change since Oct 13, 2026 · 6.91% APR
6.41%6.91%7.41%Oct 13, 2026: 6.91% APROct 13, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
ARM (Adjustable Rate Mortgage) Cash-Out
15 Year; 5/1
6.375%
6.987%
▼
Rate6.375%
APR6.987%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 5.73% → 6.99% ▲ 1.26 pts · high 6.99% / low 5.73%
4.47%6.36%8.25%Sep 25, 2026: 5.73% APROct 12, 2026: 6.99% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20266.99%▲ from 5.73%
  • Sep 25, 20265.73%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
ARM (Adjustable Rate Mortgage) Cash-Out
30 Year; 5/1
6.875%
7.352%
▼
Rate6.875%
APR7.352%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 6.00% → 7.35% ▲ 1.35 pts · high 7.35% / low 6.00%
4.66%6.68%8.70%Sep 25, 2026: 6.00% APROct 12, 2026: 7.35% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20267.35%▲ from 6.00%
  • Sep 25, 20266.00%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
ARM (Adjustable Rate Mortgage)
30 Year; 5/1
6.50%
7.396%
▼
Rate6.50%
APR7.396%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 6.04% → 7.40% ▲ 1.36 pts · high 7.40% / low 6.04%
4.68%6.72%8.75%Sep 25, 2026: 6.04% APROct 12, 2026: 7.40% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20267.40%▲ from 6.04%
  • Sep 25, 20266.04%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Lot Loan 5/1 ARM
5 years
7.88%
8.05%
▼
Rate7.88%
APR8.05%
Points0.000
UpdatedOct 9, 2026
Details

A ARM rate and a 5-year term. Starting at $40,000

Rate History
5 changes since Sep 14, 2026 · 7.66% → 8.05% ▲ 0.39 pts · high 8.05% / low 7.64%
7.14%7.85%8.55%Sep 14, 2026: 7.66% APRSep 18, 2026: 7.64% APRSep 26, 2026: 7.75% APRSep 29, 2026: 7.87% APROct 2, 2026: 7.94% APROct 9, 2026: 8.05% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20268.05%▲ from 7.94%
  • Oct 2, 20267.94%▲ from 7.87%
  • Sep 29, 20267.87%▲ from 7.75%
  • Sep 26, 20267.75%▲ from 7.64%

Dryden 30-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Fixed Rate
10 years
6.00%
6.194%
▼
Rate6.00%
APR6.194%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Loans exceeding 80% Loan-to-Value may require Private Mortgage Insurance (PMI); Jumbo loans may require larger down payments and additional qualifications; Origination fees may apply; Primary Residence and Second Homes available

Rate History
2 changes since Sep 14, 2026 · 5.69% → 6.19% ▲ 0.51 pts · high 6.19% / low 5.69%
5.18%5.94%6.70%Sep 14, 2026: 5.69% APRSep 20, 2026: 5.94% APROct 2, 2026: 6.19% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.19%▲ from 5.94%
  • Sep 20, 20265.94%▲ from 5.69%
  • Sep 14, 20265.69%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo One-Time Close Construction Loan
10 years
6.00%
6.248%
▼
Rate6.00%
APR6.248%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; financing up to 90% loan to value; construction phase up to 1 year in addition to term

Rate History
2 changes since Sep 14, 2026 · 5.74% → 6.25% ▲ 0.51 pts · high 6.25% / low 5.74%
5.23%5.99%6.76%Sep 14, 2026: 5.74% APRSep 20, 2026: 5.99% APROct 2, 2026: 6.25% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.25%▲ from 5.99%
  • Sep 20, 20265.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
10/1-Year Adjustable Rate Mortgage Jumbo
6.25%
6.66%
▼
Rate6.25%
APR6.66%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo ARM; Rate as low as 6.250%; Payment example $7388.61 (based on $1,200,000 loan, 80% CLTV, FICO>=740); Rate and payment may increase after consummation and vary with index and margin

Rate History
2 changes since Sep 14, 2026 · 6.25% → 6.66% ▲ 0.41 pts · high 6.66% / low 6.25%
5.75%6.45%7.16%Sep 14, 2026: 6.25% APRSep 17, 2026: 6.29% APRSep 25, 2026: 6.66% APRSep 14, 2026Oct 14, 2026
  • Sep 25, 20266.66%▲ from 6.29%
  • Sep 17, 20266.29%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
7/6 ARM Jumbo 30-Year Variable
30 years
6.75%
6.801%
▼
Rate6.75%
APR6.801%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
3 changes since Sep 17, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.87% / low 6.55%
6.05%6.71%7.37%Sep 17, 2026: 6.55% APROct 5, 2026: 6.80% APROct 9, 2026: 6.87% APROct 13, 2026: 6.80% APRSep 17, 2026Oct 14, 2026
  • Oct 13, 20266.80%▼ from 6.87%
  • Oct 9, 20266.87%▲ from 6.80%
  • Oct 5, 20266.80%▲ from 6.55%
  • Sep 17, 20266.55%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
VA jumbo purchase loan
6.50%
6.847%
▼
Rate6.50%
APR6.847%
Points0.845
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.85% APR · checked 2 times
6.35%6.85%7.35%Oct 7, 2026: 6.85% APROct 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3/5 Jumbo ARM
6.00%
6.865%
▼
Rate6.00%
APR6.865%
Points0.250
UpdatedOct 10, 2026
Details

Payment Example: 3/5 Jumbo ARM Payment Example

Rate History
1 change since Sep 30, 2026 · 6.77% → 6.87% ▲ 0.09 pts · high 6.87% / low 6.77%
6.27%6.82%7.37%Sep 30, 2026: 6.77% APROct 6, 2026: 6.87% APRSep 30, 2026Oct 14, 2026
  • Oct 6, 20266.87%▲ from 6.77%
  • Sep 30, 20266.77%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Fixed Rate
20 years
7.125%
7.185%
▼
Rate7.125%
APR7.185%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Loans exceeding 80% Loan-to-Value may require Private Mortgage Insurance (PMI); Jumbo loans may require larger down payments and additional qualifications; Origination fees may apply; Primary Residence and Second Homes available

Rate History
3 changes since Sep 14, 2026 · 6.43% → 7.19% ▲ 0.76 pts · high 7.19% / low 6.43%
5.67%6.81%7.94%Sep 14, 2026: 6.43% APRSep 20, 2026: 6.68% APROct 2, 2026: 7.06% APROct 8, 2026: 7.19% APRSep 14, 2026Oct 14, 2026
  • Oct 8, 20267.19%▲ from 7.06%
  • Oct 2, 20267.06%▲ from 6.68%
  • Sep 20, 20266.68%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 years
6.875%
7.215%
▼
Rate6.875%
APR7.215%
Points0.770
UpdatedOct 7, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 7, 2026 · 7.22% APR · checked 2 times
6.72%7.22%7.72%Oct 7, 2026: 7.22% APROct 7, 2026Oct 14, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo One-Time Close Construction Loan
20 years
7.125%
7.217%
▼
Rate7.125%
APR7.217%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; financing up to 90% loan to value; construction phase up to 1 year in addition to term

Rate History
3 changes since Sep 14, 2026 · 6.46% → 7.22% ▲ 0.76 pts · high 7.22% / low 6.46%
5.70%6.84%7.97%Sep 14, 2026: 6.46% APRSep 20, 2026: 6.71% APROct 2, 2026: 7.09% APROct 8, 2026: 7.22% APRSep 14, 2026Oct 14, 2026
  • Oct 8, 20267.22%▲ from 7.09%
  • Oct 2, 20267.09%▲ from 6.71%
  • Sep 20, 20266.71%▲ from 6.46%
  • Sep 14, 20266.46%first recorded
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Jumbo Mortgage
30 years
7.125%
7.269%
▼
Rate7.125%
APR7.269%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo Terms; 30yr; Payment per $10,000: $68; Discount points may apply to Jumbo thirty year loans

Rate History
No change since Oct 13, 2026 · 7.27% APR
6.77%7.27%7.77%Oct 13, 2026: 7.27% APROct 13, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Current Mortgage - 30 Yr Fixed Jumbo
30 years
7.125%
7.28%
▼
Rate7.125%
APR7.28%
Points0.920
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 7.28% APR
6.78%7.28%7.78%Oct 10, 2026: 7.28% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Mortgages - 30 Yr Fixed Jumbo
7.125%
7.28%
▼
Rate7.125%
APR7.28%
Points0.920
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 7.28% APR
6.78%7.28%7.78%Oct 10, 2026: 7.28% APROct 10, 2026Oct 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
30-Year Jumbo Fixed
30 years
7.25%
7.303%
▼
Rate7.25%
APR7.303%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
6 changes since Sep 14, 2026 · 6.93% → 7.30% ▲ 0.38 pts · high 7.43% / low 6.93%
6.43%7.18%7.93%Sep 14, 2026: 6.93% APRSep 25, 2026: 7.18% APRSep 29, 2026: 7.30% APROct 2, 2026: 7.43% APROct 5, 2026: 7.30% APROct 9, 2026: 7.43% APROct 13, 2026: 7.30% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20267.30%▼ from 7.43%
  • Oct 9, 20267.43%▲ from 7.30%
  • Oct 5, 20267.30%▼ from 7.43%
  • Oct 2, 20267.43%▲ from 7.30%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
Jumbo 7/1 ARM
7 years
7.25%
7.33%
▼
Rate7.25%
APR7.33%
Points0.000
UpdatedOct 9, 2026
Details

An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term. $806,501 - $2,000,000

Rate History
4 changes since Sep 14, 2026 · 6.94% → 7.33% ▲ 0.39 pts · high 7.33% / low 6.94%
6.44%7.14%7.83%Sep 14, 2026: 6.94% APRSep 26, 2026: 7.04% APRSep 29, 2026: 7.16% APROct 2, 2026: 7.22% APROct 9, 2026: 7.33% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.33%▲ from 7.22%
  • Oct 2, 20267.22%▲ from 7.16%
  • Sep 29, 20267.16%▲ from 7.04%
  • Sep 26, 20267.04%▲ from 6.94%
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
10-Year Fixed Jumbo
10 years
7.25%
7.336%
▼
Rate7.25%
APR7.336%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Jumbo Power Mortgage Rates; Payment example: $14088.12; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740; Jumbo loans up to $3,000,000

Rate History
3 changes since Sep 14, 2026 · 6.33% → 7.34% ▲ 1.01 pts · high 7.34% / low 6.33%
5.31%6.83%8.35%Sep 14, 2026: 6.33% APRSep 17, 2026: 6.70% APRSep 25, 2026: 7.08% APROct 5, 2026: 7.34% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.34%▲ from 7.08%
  • Sep 25, 20267.08%▲ from 6.70%
  • Sep 17, 20266.70%▲ from 6.33%
  • Sep 14, 20266.33%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 years
7.125%
7.35%
▼
Rate7.125%
APR7.35%
Points0.955
UpdatedOct 7, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 1, 2026 · 7.35% APR · checked 4 times
6.85%7.35%7.85%Oct 1, 2026: 7.35% APROct 1, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Jumbo 30 Year Loan
30 years
7.375%
7.466%
▼
Rate7.375%
APR7.466%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo loans are loans greater than $832,750; 20% down payment required and up to 80% LTV

Rate History
No change since Oct 13, 2026 · 7.47% APR
6.97%7.47%7.97%Oct 13, 2026: 7.47% APROct 13, 2026Oct 14, 2026
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Mortgage Refinance - Jumbo 30 Year
7.375%
7.466%
▼
Rate7.375%
APR7.466%
Points0.000
UpdatedOct 13, 2026
Details

Monthly Principal & Interest: $6,907.00; Jumbo loans greater than $832,750; 20% down payment required, up to 80% LTV

Rate History
No change since Oct 13, 2026 · 7.47% APR
6.97%7.47%7.97%Oct 13, 2026: 7.47% APROct 13, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Jumbo Loan
20 Year
7.50%
7.513%
▼
Rate7.50%
APR7.513%
Points0.000
UpdatedOct 10, 2026
Details

$766,551 -$999,999; As Low As

Rate History
1 change since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01%
6.51%7.26%8.01%Sep 14, 2026: 7.01% APROct 2, 2026: 7.51% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.51%▲ from 7.01%
  • Sep 14, 20267.01%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Fixed Rate
30 years
7.50%
7.549%
▼
Rate7.50%
APR7.549%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Loans exceeding 80% Loan-to-Value may require Private Mortgage Insurance (PMI); Jumbo loans may require larger down payments and additional qualifications; Origination fees may apply; Primary Residence and Second Homes available

Rate History
3 changes since Sep 14, 2026 · 6.79% → 7.55% ▲ 0.76 pts · high 7.55% / low 6.79%
6.04%7.17%8.30%Sep 14, 2026: 6.79% APRSep 20, 2026: 7.05% APROct 2, 2026: 7.42% APROct 8, 2026: 7.55% APRSep 14, 2026Oct 14, 2026
  • Oct 8, 20267.55%▲ from 7.42%
  • Oct 2, 20267.42%▲ from 7.05%
  • Sep 20, 20267.05%▲ from 6.79%
  • Sep 14, 20266.79%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo One-Time Close Construction Loan
30 years
7.50%
7.574%
▼
Rate7.50%
APR7.574%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; financing up to 90% loan to value; construction phase up to 1 year in addition to term

Rate History
3 changes since Sep 14, 2026 · 6.82% → 7.57% ▲ 0.76 pts · high 7.57% / low 6.82%
6.06%7.20%8.33%Sep 14, 2026: 6.82% APRSep 20, 2026: 7.07% APROct 2, 2026: 7.45% APROct 8, 2026: 7.57% APRSep 14, 2026Oct 14, 2026
  • Oct 8, 20267.57%▲ from 7.45%
  • Oct 2, 20267.45%▲ from 7.07%
  • Sep 20, 20267.07%▲ from 6.82%
  • Sep 14, 20266.82%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Jumbo 30-Year Loan
30-Year
7.50%
7.626%
▼
Rate7.50%
APR7.626%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo

Rate History
No change since Oct 13, 2026 · 7.63% APR
7.13%7.63%8.13%Oct 13, 2026: 7.63% APROct 13, 2026Oct 14, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans 30-year
30-year
7.50%
7.682%
▼
Rate7.50%
APR7.682%
Points0.895
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.68% APR · checked 2 times
7.18%7.68%8.18%Oct 7, 2026: 7.68% APROct 7, 2026Oct 14, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans 20-year
20-year
7.50%
7.725%
▼
Rate7.50%
APR7.725%
Points0.825
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.73% APR · checked 2 times
7.23%7.73%8.23%Oct 7, 2026: 7.73% APROct 7, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Loan
20 Year
7.75%
7.758%
▼
Rate7.75%
APR7.758%
Points0.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $1,500,000.00; Monthly Payment Example: $12,314.23

Rate History
No change since Oct 10, 2026 · 7.76% APR
7.26%7.76%8.26%Oct 10, 2026: 7.76% APROct 10, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan
20 Year
7.75%
7.758%
▼
Rate7.75%
APR7.758%
Points0.000
UpdatedOct 10, 2026
Details

$1; As Low As

Rate History
1 change since Sep 14, 2026 · 7.26% → 7.76% ▲ 0.50 pts · high 7.76% / low 7.26%
6.76%7.51%8.26%Sep 14, 2026: 7.26% APROct 2, 2026: 7.76% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.76%▲ from 7.26%
  • Sep 14, 20267.26%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Jumbo Loan
30 Year
7.75%
7.761%
▼
Rate7.75%
APR7.761%
Points0.000
UpdatedOct 10, 2026
Details

$766,551 -$999,999; As Low As

Rate History
1 change since Sep 14, 2026 · 7.26% → 7.76% ▲ 0.50 pts · high 7.76% / low 7.26%
6.76%7.51%8.26%Sep 14, 2026: 7.26% APROct 2, 2026: 7.76% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.76%▲ from 7.26%
  • Sep 14, 20267.26%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
20-Year Fixed Jumbo
20 years
7.75%
7.803%
▼
Rate7.75%
APR7.803%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Jumbo Power Mortgage Rates; Payment example: $9851.38; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740; Jumbo loans up to $3,000,000

Rate History
3 changes since Sep 14, 2026 · 6.80% → 7.80% ▲ 1.01 pts · high 7.80% / low 6.80%
5.79%7.30%8.81%Sep 14, 2026: 6.80% APRSep 17, 2026: 7.17% APRSep 25, 2026: 7.55% APROct 5, 2026: 7.80% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.80%▲ from 7.55%
  • Sep 25, 20267.55%▲ from 7.17%
  • Sep 17, 20267.17%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
Purchase/Refinance/Cash Out Jumbo Loan to $1,599,999.99
30 year fixed
7.75%
7.90%
▼
Rate7.75%
APR7.90%
Points0.000
UpdatedOct 12, 2026
Details

$1,000,000; As Low As

Rate History
1 change since Sep 14, 2026 · 7.37% → 7.90% ▲ 0.53 pts · high 7.90% / low 7.37%
6.85%7.64%8.43%Sep 14, 2026: 7.37% APROct 4, 2026: 7.90% APRSep 14, 2026Oct 14, 2026
  • Oct 4, 20267.90%▲ from 7.37%
  • Sep 14, 20267.37%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
30-Year Fixed Jumbo
30 years
7.875%
7.917%
▼
Rate7.875%
APR7.917%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Jumbo Power Mortgage Rates; Payment example: $8700.83; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740; Jumbo loans up to $3,000,000

Rate History
3 changes since Sep 14, 2026 · 6.91% → 7.92% ▲ 1.01 pts · high 7.92% / low 6.91%
5.90%7.41%8.92%Sep 14, 2026: 6.91% APRSep 17, 2026: 7.29% APRSep 25, 2026: 7.67% APROct 5, 2026: 7.92% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.92%▲ from 7.67%
  • Sep 25, 20267.67%▲ from 7.29%
  • Sep 17, 20267.29%▲ from 6.91%
  • Sep 14, 20266.91%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Loan
30 Year
8.00%
8.006%
▼
Rate8.00%
APR8.006%
Points0.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $1,500,000.00; Monthly Payment Example: $11,006.47

Rate History
No change since Oct 10, 2026 · 8.01% APR
7.51%8.01%8.51%Oct 10, 2026: 8.01% APROct 10, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan
30 Year
8.00%
8.006%
▼
Rate8.00%
APR8.006%
Points0.000
UpdatedOct 10, 2026
Details

$1; As Low As

Rate History
1 change since Sep 14, 2026 · 7.51% → 8.01% ▲ 0.50 pts · high 8.01% / low 7.51%
7.01%7.76%8.51%Sep 14, 2026: 7.51% APROct 2, 2026: 8.01% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20268.01%▲ from 7.51%
  • Sep 14, 20267.51%first recorded
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.06%
Purchase/Refinance/Cash Out Super Jumbo Loan
30 year fixed
8.00%
8.15%
▼
Rate8.00%
APR8.15%
Points0.000
UpdatedOct 12, 2026
Details

$1,600,000.00+; As Low As

Rate History
1 change since Sep 14, 2026 · 7.63% → 8.15% ▲ 0.53 pts · high 8.15% / low 7.63%
7.10%7.89%8.68%Sep 14, 2026: 7.63% APROct 4, 2026: 8.15% APRSep 14, 2026Oct 14, 2026
  • Oct 4, 20268.15%▲ from 7.63%
  • Sep 14, 20267.63%first recorded

Dryden 15-Year Jumbo Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo Fixed Rate
15 years
6.25%
6.47%
▼
Rate6.25%
APR6.47%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Loans exceeding 80% Loan-to-Value may require Private Mortgage Insurance (PMI); Jumbo loans may require larger down payments and additional qualifications; Origination fees may apply; Primary Residence and Second Homes available

Rate History
2 changes since Sep 14, 2026 · 5.96% → 6.47% ▲ 0.51 pts · high 6.47% / low 5.96%
5.46%6.22%6.98%Sep 14, 2026: 5.96% APRSep 20, 2026: 6.22% APROct 2, 2026: 6.47% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.47%▲ from 6.22%
  • Sep 20, 20266.22%▲ from 5.96%
  • Sep 14, 20265.96%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo One-Time Close Construction Loan
15 years
6.25%
6.508%
▼
Rate6.25%
APR6.508%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; financing up to 90% loan to value; construction phase up to 1 year in addition to term

Rate History
2 changes since Sep 14, 2026 · 6.00% → 6.51% ▲ 0.51 pts · high 6.51% / low 6.00%
5.49%6.25%7.02%Sep 14, 2026: 6.00% APRSep 20, 2026: 6.26% APROct 2, 2026: 6.51% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.51%▲ from 6.26%
  • Sep 20, 20266.26%▲ from 6.00%
  • Sep 14, 20266.00%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Current Mortgage - 15 Yr Fixed Jumbo
15 years
6.75%
6.99%
▼
Rate6.75%
APR6.99%
Points0.870
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 10, 2026: 6.99% APROct 10, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Mortgages - 15 Yr Fixed Jumbo
6.75%
6.99%
▼
Rate6.75%
APR6.99%
Points0.870
UpdatedOct 10, 2026
Details

Origination Point: 0.00%

Rate History
No change since Oct 10, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 10, 2026: 6.99% APROct 10, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Jumbo Loan
15 Year
7.125%
7.141%
▼
Rate7.125%
APR7.141%
Points0.000
UpdatedOct 10, 2026
Details

$766,551-$999,999; As Low As

Rate History
1 change since Sep 14, 2026 · 6.64% → 7.14% ▲ 0.50 pts · high 7.14% / low 6.64%
6.14%6.89%7.64%Sep 14, 2026: 6.64% APROct 2, 2026: 7.14% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.14%▲ from 6.64%
  • Sep 14, 20266.64%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Jumbo 15-Year Loan
15-Year
6.875%
7.232%
▼
Rate6.875%
APR7.232%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo

Rate History
1 change since Sep 14, 2026 · 6.83% → 7.23% ▲ 0.40 pts · high 7.23% / low 6.83%
6.33%7.03%7.73%Sep 14, 2026: 6.83% APROct 13, 2026: 7.23% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20267.23%▲ from 6.83%
  • Sep 14, 20266.83%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
15-Year Jumbo Fixed
15 years
7.25%
7.335%
▼
Rate7.25%
APR7.335%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
4 changes since Sep 14, 2026 · 6.83% → 7.34% ▲ 0.50 pts · high 7.46% / low 6.83%
6.21%7.15%8.09%Sep 14, 2026: 6.83% APRSep 17, 2026: 6.96% APRSep 25, 2026: 7.34% APRSep 29, 2026: 7.46% APROct 5, 2026: 7.34% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.34%▼ from 7.46%
  • Sep 29, 20267.46%▲ from 7.34%
  • Sep 25, 20267.34%▲ from 6.96%
  • Sep 17, 20266.96%▲ from 6.83%
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
15-Year Fixed Jumbo
15 years
7.375%
7.437%
▼
Rate7.375%
APR7.437%
Points0.000
UpdatedOct 13, 2026
Details

As Low As; Jumbo Power Mortgage Rates; Payment example: $11039.08; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740; Jumbo loans up to $3,000,000

Rate History
3 changes since Sep 14, 2026 · 6.43% → 7.44% ▲ 1.01 pts · high 7.44% / low 6.43%
5.42%6.93%8.45%Sep 14, 2026: 6.43% APRSep 17, 2026: 6.81% APRSep 25, 2026: 7.19% APROct 5, 2026: 7.44% APRSep 14, 2026Oct 14, 2026
  • Oct 5, 20267.44%▲ from 7.19%
  • Sep 25, 20267.19%▲ from 6.81%
  • Sep 17, 20266.81%▲ from 6.43%
  • Sep 14, 20266.43%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo loans 15-year
15-year
7.25%
7.524%
▼
Rate7.25%
APR7.524%
Points0.810
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.52% APR · checked 2 times
7.02%7.52%8.02%Oct 7, 2026: 7.52% APROct 7, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Loan
15 Year
7.375%
7.748%
▼
Rate7.375%
APR7.748%
Points0.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $1,500,000.00; Monthly Payment Example: $14,108.83

Rate History
No change since Oct 10, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 10, 2026: 7.75% APROct 10, 2026Oct 14, 2026
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Super Jumbo Million or Greater Loan
15 Year
7.375%
7.748%
▼
Rate7.375%
APR7.748%
Points0.000
UpdatedOct 10, 2026
Details

$1; As Low As

Rate History
1 change since Sep 14, 2026 · 6.89% → 7.75% ▲ 0.86 pts · high 7.75% / low 6.89%
6.02%7.32%8.61%Sep 14, 2026: 6.89% APROct 2, 2026: 7.75% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.75%▲ from 6.89%
  • Sep 14, 20266.89%first recorded

Dryden 5/1 Jumbo ARM Mortgage Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Jumbo ARM (5/5)
30 years
6.00%
6.039%
▼
Rate6.00%
APR6.039%
Points0.000
UpdatedOct 12, 2026
Details

Loan amounts greater than $832,750; 5/5 Adjustable-Rate Mortgage; Rate and APR are 'as low as'

Rate History
2 changes since Sep 14, 2026 · 5.54% → 6.04% ▲ 0.50 pts · high 6.04% / low 5.54%
5.03%5.79%6.54%Sep 14, 2026: 5.54% APRSep 20, 2026: 5.79% APROct 2, 2026: 6.04% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.04%▲ from 5.79%
  • Sep 20, 20265.79%▲ from 5.54%
  • Sep 14, 20265.54%first recorded
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
5/5 Jumbo ARM
30 years
6.375%
6.097%
▼
Rate6.375%
APR6.097%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 5.68% → 6.10% ▲ 0.42 pts · high 6.13% / low 5.68%
5.18%5.90%6.63%Sep 14, 2026: 5.68% APRSep 22, 2026: 5.88% APRSep 29, 2026: 6.13% APROct 13, 2026: 6.10% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20266.10%▼ from 6.13%
  • Sep 29, 20266.13%▲ from 5.88%
  • Sep 22, 20265.88%▲ from 5.68%
  • Sep 14, 20265.68%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
15/15-Year Adjustable Rate Mortgage Jumbo
6.375%
6.575%
▼
Rate6.375%
APR6.575%
Points0.000
UpdatedOct 13, 2026
Details

Jumbo ARM; Rate as low as 6.375%; Payment example $7486.44 (based on $1,200,000 loan, 80% CLTV, FICO>=740); 5% Rate Cap for one-time adjustment

Rate History
2 changes since Sep 14, 2026 · 6.18% → 6.58% ▲ 0.39 pts · high 6.58% / low 6.18%
5.68%6.38%7.08%Sep 14, 2026: 6.18% APRSep 17, 2026: 6.20% APRSep 25, 2026: 6.58% APRSep 14, 2026Oct 14, 2026
  • Sep 25, 20266.58%▲ from 6.20%
  • Sep 17, 20266.20%▲ from 6.18%
  • Sep 14, 20266.18%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5/6 ARM Jumbo 30-Year Variable
30 years
6.625%
6.751%
▼
Rate6.625%
APR6.751%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
3 changes since Sep 17, 2026 · 6.53% → 6.75% ▲ 0.23 pts · high 6.80% / low 6.53%
6.03%6.66%7.30%Sep 17, 2026: 6.53% APROct 5, 2026: 6.75% APROct 9, 2026: 6.80% APROct 13, 2026: 6.75% APRSep 17, 2026Oct 14, 2026
  • Oct 13, 20266.75%▼ from 6.80%
  • Oct 9, 20266.80%▲ from 6.75%
  • Oct 5, 20266.75%▲ from 6.53%
  • Sep 17, 20266.53%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5/5 Jumbo ARM
6.25%
6.825%
▼
Rate6.25%
APR6.825%
Points0.250
UpdatedOct 10, 2026
Details

Payment Example: 5/5 Jumbo ARM Payment Example

Rate History
1 change since Sep 30, 2026 · 6.75% → 6.83% ▲ 0.08 pts · high 6.83% / low 6.75%
6.25%6.79%7.33%Sep 30, 2026: 6.75% APROct 6, 2026: 6.83% APRSep 30, 2026Oct 14, 2026
  • Oct 6, 20266.83%▲ from 6.75%
  • Sep 30, 20266.75%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 years
6.75%
7.198%
▼
Rate6.75%
APR7.198%
Points0.660
UpdatedOct 7, 2026
Details

ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.

Rate History
No change since Oct 7, 2026 · 7.20% APR · checked 2 times
6.70%7.20%7.70%Oct 7, 2026: 7.20% APROct 7, 2026Oct 14, 2026

Dryden FHA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase / Refinance - 15 Year
15 Year
6.625%
6.837%
▼
Rate6.625%
APR6.837%
Points1.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase Refinance
15 Year
6.625%
6.837%
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.92% → 6.84% ▼ 0.09 pts · high 6.92% / low 6.84%
6.34%6.88%7.42%Sep 14, 2026: 6.92% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.84%▼ from 6.92%
  • Sep 14, 20266.92%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
FHA Loan
15 years
6.375%
7.361%
▼
Rate6.375%
APR7.361%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Estimated payment per $10,000: $86.43; Down payment as low as 3.5% of purchase price

Rate History
No change since Oct 12, 2026 · 7.36% APR
6.86%7.36%7.86%Oct 12, 2026: 7.36% APROct 12, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
FHA 15-year Fixed purchase
180 months
6.75%
7.41%
▼
Rate6.75%
APR7.41%
Points0.880
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
6 changes since Sep 14, 2026 · 6.75% → 7.41% ▲ 0.66 pts · high 7.41% / low 6.75%
6.09%7.08%8.07%Sep 14, 2026: 6.75% APRSep 18, 2026: 7.32% APRSep 22, 2026: 7.21% APRSep 27, 2026: 7.30% APROct 1, 2026: 7.38% APROct 2, 2026: 7.36% APROct 10, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.41%▲ from 7.36%
  • Oct 2, 20267.36%▼ from 7.38%
  • Oct 1, 20267.38%▲ from 7.30%
  • Sep 27, 20267.30%▲ from 7.21%
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase / Refinance - 20 Year
20 Year
7.375%
7.41%
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase Refinance
20 Year
7.375%
7.41%
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.31% → 7.41% ▲ 0.10 pts · high 7.41% / low 7.31%
6.81%7.36%7.91%Sep 14, 2026: 7.31% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.41%▲ from 7.31%
  • Sep 14, 20267.31%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase / Refinance - 30 Year
30 Year
7.375%
7.416%
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 10, 2026
Details

Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03

Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
FHA Purchase Refinance
30 Year
7.375%
7.416%
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.32% → 7.42% ▲ 0.10 pts · high 7.42% / low 7.32%
6.82%7.37%7.92%Sep 14, 2026: 7.32% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.42%▲ from 7.32%
  • Sep 14, 20267.32%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year FHA Fixed
30 years
7.00%
7.507%
▼
Rate7.00%
APR7.507%
Points-0.289
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.51% APR
7.01%7.51%8.01%Oct 13, 2026: 7.51% APROct 13, 2026Oct 14, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year FHA Fixed
30 years
7.125%
7.604%
▼
Rate7.125%
APR7.604%
Points-0.621
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.60% APR
7.10%7.60%8.10%Oct 13, 2026: 7.60% APROct 13, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
FHA 30-year Fixed purchase
360 months
7.13%
7.72%
▼
Rate7.13%
APR7.72%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.95% → 7.72% ▲ 0.77 pts · high 7.85% / low 6.95%
6.05%7.40%8.75%Sep 14, 2026: 6.95% APRSep 18, 2026: 7.34% APRSep 27, 2026: 7.58% APROct 1, 2026: 7.72% APROct 2, 2026: 7.85% APROct 10, 2026: 7.72% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.72%▼ from 7.85%
  • Oct 2, 20267.85%▲ from 7.72%
  • Oct 1, 20267.72%▲ from 7.58%
  • Sep 27, 20267.58%▲ from 7.34%
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
FHA Loan
6.875%
7.763%
▼
Rate6.875%
APR7.763%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 7.24% → 7.76% ▲ 0.52 pts · high 7.76% / low 7.24%
6.71%7.50%8.29%Sep 22, 2026: 7.24% APROct 1, 2026: 7.76% APRSep 22, 2026Oct 14, 2026
  • Oct 1, 20267.76%▲ from 7.24%
  • Sep 22, 20267.24%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year FHA Fixed
30 years
7.25%
7.772%
▼
Rate7.25%
APR7.772%
Points-0.233
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.77% APR
7.27%7.77%8.27%Oct 13, 2026: 7.77% APROct 13, 2026Oct 14, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
FHA Loan
30 years
7.00%
7.819%
▼
Rate7.00%
APR7.819%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; Estimated payment per $10,000: $66.53; Down payment as low as 3.5% of purchase price

Rate History
No change since Oct 12, 2026 · 7.82% APR
7.32%7.82%8.32%Oct 12, 2026: 7.82% APROct 12, 2026Oct 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
Mortgage - FHA 30 Year
30 years
7.125%
7.928%
▼
Rate7.125%
APR7.928%
Points0.000
UpdatedOct 12, 2026
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
4 changes since Sep 18, 2026 · 7.55% → 7.93% ▲ 0.38 pts · high 8.18% / low 7.55%
6.92%7.87%8.81%Sep 18, 2026: 7.55% APRSep 25, 2026: 7.67% APROct 4, 2026: 7.80% APROct 8, 2026: 8.18% APROct 12, 2026: 7.93% APRSep 18, 2026Oct 14, 2026
  • Oct 12, 20267.93%▼ from 8.18%
  • Oct 8, 20268.18%▲ from 7.80%
  • Oct 4, 20267.80%▲ from 7.67%
  • Sep 25, 20267.67%▲ from 7.55%
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
FHA Loan
15 Year Fixed
7.125%
8.028%
▼
Rate7.125%
APR8.028%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 8.03% APR · checked 5 times
7.53%8.03%8.53%Sep 25, 2026: 8.03% APRSep 25, 2026Oct 14, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
FHA Loan
30 Year Fixed
7.375%
8.221%
▼
Rate7.375%
APR8.221%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 7.97% → 8.22% ▲ 0.25 pts · high 8.22% / low 7.97%
7.47%8.09%8.72%Sep 25, 2026: 7.97% APROct 12, 2026: 8.22% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20268.22%▲ from 7.97%
  • Sep 25, 20267.97%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Mortgage - FHA 30 Year Fixed
7.625%
8.622%
▼
Rate7.625%
APR8.622%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
2 changes since Sep 24, 2026 · 7.86% → 8.62% ▲ 0.76 pts · high 8.62% / low 7.86%
7.10%8.24%9.38%Sep 24, 2026: 7.86% APRSep 27, 2026: 8.12% APROct 7, 2026: 8.62% APRSep 24, 2026Oct 14, 2026
  • Oct 7, 20268.62%▲ from 8.12%
  • Sep 27, 20268.12%▲ from 7.86%
  • Sep 24, 20267.86%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
FHA 30 Year Fixed +1pt
7.25%
8.643%
▼
Rate7.25%
APR8.643%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.22% → 8.64% ▲ 1.43 pts · high 8.64% / low 7.22%
5.79%7.93%10.07%Sep 15, 2026: 7.22% APRSep 24, 2026: 8.00% APRSep 27, 2026: 8.25% APROct 7, 2026: 8.64% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20268.64%▲ from 8.25%
  • Sep 27, 20268.25%▲ from 8.00%
  • Sep 24, 20268.00%▲ from 7.22%
  • Sep 15, 20267.22%first recorded
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Federal Housing Administration (FHA) loans 30-year
30-year
7.75%
8.68%
▼
Rate7.75%
APR8.68%
Points0.914
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 8.68% APR · checked 2 times
8.18%8.68%9.18%Oct 7, 2026: 8.68% APROct 7, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
FHA 30-Year Fixed
30-year
7.00%
8.86%
▼
Rate7.00%
APR8.86%
Points0.000
UpdatedOct 9, 2026
Details

Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 8.08% → 8.86% ▲ 0.78 pts · high 8.87% / low 8.08%
7.29%8.48%9.66%Sep 14, 2026: 8.08% APRSep 21, 2026: 8.23% APRSep 26, 2026: 8.68% APRSep 29, 2026: 8.52% APROct 2, 2026: 8.87% APROct 9, 2026: 8.86% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20268.86%▼ from 8.87%
  • Oct 2, 20268.87%▲ from 8.52%
  • Sep 29, 20268.52%▼ from 8.68%
  • Sep 26, 20268.68%▲ from 8.23%

Dryden VA Loan Rates

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5/6 ARM Jumbo 30-Year Variable
30 years
6.625%
6.751%
▼
Rate6.625%
APR6.751%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
3 changes since Sep 17, 2026 · 6.53% → 6.75% ▲ 0.23 pts · high 6.80% / low 6.53%
6.03%6.66%7.30%Sep 17, 2026: 6.53% APROct 5, 2026: 6.75% APROct 9, 2026: 6.80% APROct 13, 2026: 6.75% APRSep 17, 2026Oct 14, 2026
  • Oct 13, 20266.75%▼ from 6.80%
  • Oct 9, 20266.80%▲ from 6.75%
  • Oct 5, 20266.75%▲ from 6.53%
  • Sep 17, 20266.53%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5/6 ARM 30-Year Variable
30-Year
6.625%
6.794%
▼
Rate6.625%
APR6.794%
Points0.000
UpdatedOct 13, 2026
Details

Home loans up to $832,750; Rate effective date October 12, 2026

Rate History
2 changes since Sep 14, 2026 · 6.57% → 6.79% ▲ 0.23 pts · high 6.84% / low 6.57%
6.07%6.71%7.34%Sep 14, 2026: 6.57% APROct 9, 2026: 6.84% APROct 13, 2026: 6.79% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20266.79%▼ from 6.84%
  • Oct 9, 20266.84%▲ from 6.57%
  • Sep 14, 20266.57%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
7/6 ARM Jumbo 30-Year Variable
30 years
6.75%
6.801%
▼
Rate6.75%
APR6.801%
Points0.000
UpdatedOct 13, 2026
Details

Home loans over $832,750; Link: Get Started

Rate History
3 changes since Sep 17, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.87% / low 6.55%
6.05%6.71%7.37%Sep 17, 2026: 6.55% APROct 5, 2026: 6.80% APROct 9, 2026: 6.87% APROct 13, 2026: 6.80% APRSep 17, 2026Oct 14, 2026
  • Oct 13, 20266.80%▼ from 6.87%
  • Oct 9, 20266.87%▲ from 6.80%
  • Oct 5, 20266.80%▲ from 6.55%
  • Sep 17, 20266.55%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase / Refinance - 15 Year
15 Year
6.625%
6.837%
▼
Rate6.625%
APR6.837%
Points1.000
UpdatedOct 10, 2026
Details

As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,633.98

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 10, 2026: 6.84% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase Refinance
15 Year
6.625%
6.837%
▼
Rate6.625%
APR6.837%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.20% → 6.84% ▲ 0.63 pts · high 6.84% / low 6.20%
5.57%6.52%7.47%Sep 14, 2026: 6.20% APROct 2, 2026: 6.84% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20266.84%▲ from 6.20%
  • Sep 14, 20266.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
7/6 ARM 30-Year Variable
30-Year
6.75%
6.844%
▼
Rate6.75%
APR6.844%
Points0.000
UpdatedOct 13, 2026
Details

Home loans up to $832,750; Rate effective date October 12, 2026

Rate History
2 changes since Sep 14, 2026 · 6.59% → 6.84% ▲ 0.26 pts · high 6.91% / low 6.59%
6.09%6.75%7.41%Sep 14, 2026: 6.59% APROct 9, 2026: 6.91% APROct 13, 2026: 6.84% APRSep 14, 2026Oct 14, 2026
  • Oct 13, 20266.84%▼ from 6.91%
  • Oct 9, 20266.91%▲ from 6.59%
  • Sep 14, 20266.59%first recorded
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
VA jumbo purchase loan
6.50%
6.847%
▼
Rate6.50%
APR6.847%
Points0.845
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.85% APR · checked 2 times
6.35%6.85%7.35%Oct 7, 2026: 6.85% APROct 7, 2026Oct 14, 2026
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
VA purchase loan
6.50%
6.887%
▼
Rate6.50%
APR6.887%
Points0.775
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 6.89% APR · checked 2 times
6.39%6.89%7.39%Oct 7, 2026: 6.89% APROct 7, 2026Oct 14, 2026
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
VA Fixed Rate - 15 years
15 years
6.375%
7.049%
▼
Rate6.375%
APR7.049%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; VA loan program; No down payment for eligible members; up to 100% financing

Rate History
No change since Oct 12, 2026 · 7.05% APR
6.55%7.05%7.55%Oct 12, 2026: 7.05% APROct 12, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
VA 15-year Fixed Purchase
180 months
6.75%
7.14%
▼
Rate6.75%
APR7.14%
Points0.630
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
5 changes since Sep 14, 2026 · 6.41% → 7.14% ▲ 0.73 pts · high 7.24% / low 6.41%
5.58%6.83%8.07%Sep 14, 2026: 6.41% APRSep 18, 2026: 7.06% APRSep 27, 2026: 7.14% APROct 1, 2026: 7.24% APROct 2, 2026: 7.20% APROct 10, 2026: 7.14% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.14%▼ from 7.20%
  • Oct 2, 20267.20%▼ from 7.24%
  • Oct 1, 20267.24%▲ from 7.14%
  • Sep 27, 20267.14%▲ from 7.06%
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Home - VA Loan
6.875%
7.234%
▼
Rate6.875%
APR7.234%
Points0.000
UpdatedOct 13, 2026
Details

No additional details available.

Rate History
1 change since Sep 22, 2026 · 6.71% → 7.23% ▲ 0.53 pts · high 7.23% / low 6.71%
6.18%6.97%7.76%Sep 22, 2026: 6.71% APROct 1, 2026: 7.23% APRSep 22, 2026Oct 14, 2026
  • Oct 1, 20267.23%▲ from 6.71%
  • Sep 22, 20266.71%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase / Refinance - 20 Year
20 Year
7.375%
7.41%
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 10, 2026
Details

As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,393.90

Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
5.97%7.05%8.13%Sep 14, 2026: 6.69% APROct 10, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.41%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase Refinance
20 Year
7.375%
7.41%
▼
Rate7.375%
APR7.41%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.69% → 7.41% ▲ 0.72 pts · high 7.41% / low 6.69%
5.97%7.05%8.13%Sep 14, 2026: 6.69% APROct 2, 2026: 7.41% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.41%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase / Refinance - 30 Year
30 Year
7.375%
7.416%
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 10, 2026
Details

As Low As; Loan Amount Example: $300,000.00; Monthly Payment Example8: $2,072.03

Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
6.18%7.11%8.03%Sep 14, 2026: 6.80% APROct 10, 2026: 7.42% APRSep 14, 2026Oct 14, 2026
  • Oct 10, 20267.42%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
VA Purchase Refinance
30 Year
7.375%
7.416%
▼
Rate7.375%
APR7.416%
Points0.000
UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.80% → 7.42% ▲ 0.62 pts · high 7.42% / low 6.80%
6.18%7.11%8.03%Sep 14, 2026: 6.80% APROct 2, 2026: 7.42% APRSep 14, 2026Oct 14, 2026
  • Oct 2, 20267.42%▲ from 6.80%
  • Sep 14, 20266.80%first recorded
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
VA Fixed Rate - 30 years
30 years
7.00%
7.418%
▼
Rate7.00%
APR7.418%
Points0.000
UpdatedOct 12, 2026
Details

As Low As; VA loan program; No down payment for eligible members; up to 100% financing

Rate History
No change since Oct 12, 2026 · 7.42% APR
6.92%7.42%7.92%Oct 12, 2026: 7.42% APROct 12, 2026Oct 14, 2026
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Mortgage - 15-Year VA Loan
15 years
6.875%
7.422%
▼
Rate6.875%
APR7.422%
Points0.000
UpdatedOct 13, 2026
Details

Payment example: $1649.93; Based on $185,000 loan amount with 80% CLTV and FICO>=740; Payment example includes funding fee; Available for purchases only

Rate History
No change since Sep 21, 2026 · 7.42% APR · checked 7 times
6.92%7.42%7.92%Sep 21, 2026: 7.42% APRSep 21, 2026Oct 14, 2026
Carter Federal Credit Union
Institution Rating:
C-3.8 ★Texas Ratio: 29.75%
VA 30 Year Fixed
30 years
7.125%
7.464%
▼
Rate7.125%
APR7.464%
Points0.000
UpdatedOct 12, 2026
Details

Rates effective as of 10/9/2026; based on a 45 day lock

Rate History
3 changes since Sep 18, 2026 · 7.08% → 7.46% ▲ 0.38 pts · high 7.46% / low 7.08%
6.58%7.27%7.96%Sep 18, 2026: 7.08% APRSep 25, 2026: 7.21% APROct 4, 2026: 7.34% APROct 8, 2026: 7.46% APRSep 18, 2026Oct 14, 2026
  • Oct 8, 20267.46%▲ from 7.34%
  • Oct 4, 20267.34%▲ from 7.21%
  • Sep 25, 20267.21%▲ from 7.08%
  • Sep 18, 20267.08%first recorded
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Mortgage - 30-Year VA Loan
30 years
7.125%
7.468%
▼
Rate7.125%
APR7.468%
Points0.000
UpdatedOct 13, 2026
Details

Payment example: $1246.38; Based on $185,000 loan amount with 80% CLTV and FICO>=740; Payment example includes funding fee; Available for purchases only

Rate History
No change since Sep 21, 2026 · 7.47% APR · checked 7 times
6.97%7.47%7.97%Sep 21, 2026: 7.47% APRSep 21, 2026Oct 14, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.90%
VA 30-Year Fixed
30-year
7.00%
7.50%
▼
Rate7.00%
APR7.50%
Points0.000
UpdatedOct 9, 2026
Details

Guaranteed by the Veterans Administration (VA). For those looking to purchase a new home.

Rate History
5 changes since Sep 14, 2026 · 6.85% → 7.50% ▲ 0.65 pts · high 7.51% / low 6.85%
6.19%7.18%8.17%Sep 14, 2026: 6.85% APRSep 21, 2026: 6.97% APRSep 26, 2026: 7.34% APRSep 29, 2026: 7.20% APROct 2, 2026: 7.51% APROct 9, 2026: 7.50% APRSep 14, 2026Oct 14, 2026
  • Oct 9, 20267.50%▼ from 7.51%
  • Oct 2, 20267.51%▲ from 7.20%
  • Sep 29, 20267.20%▼ from 7.34%
  • Sep 26, 20267.34%▲ from 6.97%
USAA Federal Savings Bank
Institution Rating:
B-3.5 ★Texas Ratio: 6.80%
VA cash-out refinance loan
7.00%
7.552%
▼
Rate7.00%
APR7.552%
Points0.988
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.55% APR · checked 2 times
7.05%7.55%8.05%Oct 7, 2026: 7.55% APROct 7, 2026Oct 14, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
VA 30-year Fixed Purchase
360 months
7.38%
7.56%
▼
Rate7.38%
APR7.56%
Points0.000
UpdatedOct 10, 2026
Details

No additional details available.

Rate History
3 changes since Sep 14, 2026 · 6.66% → 7.56% ▲ 0.90 pts · high 7.56% / low 6.66%
5.76%7.11%8.46%Sep 14, 2026: 6.66% APRSep 18, 2026: 6.93% APRSep 27, 2026: 7.17% APROct 1, 2026: 7.56% APRSep 14, 2026Oct 14, 2026
  • Oct 1, 20267.56%▲ from 7.17%
  • Sep 27, 20267.17%▲ from 6.93%
  • Sep 18, 20266.93%▲ from 6.66%
  • Sep 14, 20266.66%first recorded
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year VA Fixed
30 years
6.99%
7.611%
▼
Rate6.99%
APR7.611%
Points0.202
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.61% APR
7.11%7.61%8.11%Oct 13, 2026: 7.61% APROct 13, 2026Oct 14, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year VA Fixed
30 years
7.00%
7.617%
▼
Rate7.00%
APR7.617%
Points0.153
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.62% APR
7.12%7.62%8.12%Oct 13, 2026: 7.62% APROct 13, 2026Oct 14, 2026
US Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Veterans Affairs (VA) loans 30-year
30-year
7.25%
7.637%
▼
Rate7.25%
APR7.637%
Points0.764
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
No change since Oct 7, 2026 · 7.64% APR · checked 2 times
7.14%7.64%8.14%Oct 7, 2026: 7.64% APROct 7, 2026Oct 14, 2026
JSC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
30-year VA Fixed
30 years
7.125%
7.715%
▼
Rate7.125%
APR7.715%
Points-0.179
UpdatedOct 13, 2026
Details

Based on $280,000 loan, owner-occupied, single-family 1-unit, 80% LTV, FICO 740+

Rate History
No change since Oct 13, 2026 · 7.72% APR
7.22%7.72%8.22%Oct 13, 2026: 7.72% APROct 13, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
VA 30 Year Fixed +1pt
7.25%
7.751%
▼
Rate7.25%
APR7.751%
Points1.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.10% → 7.75% ▲ 0.65 pts · high 7.75% / low 7.10%
6.46%7.43%8.40%Sep 15, 2026: 7.10% APRSep 24, 2026: 7.36% APRSep 27, 2026: 7.62% APROct 7, 2026: 7.75% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20267.75%▲ from 7.62%
  • Sep 27, 20267.62%▲ from 7.36%
  • Sep 24, 20267.36%▲ from 7.10%
  • Sep 15, 20267.10%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home - VA Loan
30 Year Fixed
7.375%
7.755%
▼
Rate7.375%
APR7.755%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
1 change since Sep 25, 2026 · 7.50% → 7.76% ▲ 0.26 pts · high 7.76% / low 7.50%
7.00%7.63%8.25%Sep 25, 2026: 7.50% APROct 12, 2026: 7.76% APRSep 25, 2026Oct 14, 2026
  • Oct 12, 20267.76%▲ from 7.50%
  • Sep 25, 20267.50%first recorded
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Home - VA Loan
15 Year Fixed
7.125%
7.918%
▼
Rate7.125%
APR7.918%
Points0.000
UpdatedOct 12, 2026
Details

No additional details available.

Rate History
No change since Sep 25, 2026 · 7.92% APR · checked 5 times
7.42%7.92%8.42%Sep 25, 2026: 7.92% APRSep 25, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
VA 30 Year Fixed
7.75%
8.052%
▼
Rate7.75%
APR8.052%
Points0.000
UpdatedOct 7, 2026
Details

No additional details available.

Rate History
3 changes since Sep 15, 2026 · 7.16% → 8.05% ▲ 0.89 pts · high 8.05% / low 7.16%
6.26%7.60%8.95%Sep 15, 2026: 7.16% APRSep 24, 2026: 7.54% APRSep 27, 2026: 7.93% APROct 7, 2026: 8.05% APRSep 15, 2026Oct 14, 2026
  • Oct 7, 20268.05%▲ from 7.93%
  • Sep 27, 20267.93%▲ from 7.54%
  • Sep 24, 20267.54%▲ from 7.16%
  • Sep 15, 20267.16%first recorded
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Dryden, TX Mortgage Rate Trends

Compare local Dryden, TX mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.

View Full Texas Mortgage Trends
30-Year Fixed TX Avg
7.383%
▼ 0.032 vs 7 days ago

Texas 30-year fixed rates fell 0.032 points over the past 7 days to 7.383%.

15-Year Fixed TX Avg
6.841%
▼ 0.063 vs 7 days ago

Texas 15-year fixed rates fell 0.063 points over the past 7 days to 6.841%.

As of Oct 14, 2026 • Rate data sourced from our monitored institution network
Powered by MonitorBankRates

Texas Mortgage Rate Forecast, Next 12 Months

Where are Texas mortgage rates headed through October 2027?

Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.

Current TX Avg
7.383%
30-Year Fixed
6-Month Forecast
7.383%
Range: 7.03%, 7.68%
12-Month Forecast
7.633%
Range: 7.28%, 7.93%
12-Mo Payment Chg.
+$42/mo
vs. today on median home

What Forecast Rates Mean for Dryden, TX Home Buyers

Monthly principal & interest payment on Dryden, TX median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)

Scenario Rate Mo. Payment vs. Today % of Income
Today (TX avg) 7.383% $1,678 25.7%
6-Month Forecast 7.383% (7.03, 7.68%) $1,678 +$0/mo 25.7%
12-Month Forecast 7.633% (7.28, 7.93%) $1,719 +$42/mo 26.3%

Income column = annual mortgage payment as % of Dryden, TX median household income ($78,476). Above 30% is generally considered cost-burdened.

Projections based on Fed funds futures and mortgage-to-fed-funds spread model. Not a guarantee of future rates.

MonitorBankRates Housing Affordability Index (MBR-HAI)

A daily-updated affordability score for Dryden, Texas , computed from local Census Bureau data combined with current Texas mortgage rates. Based on Texas statewide data for this location.

Texas HAI Analysis
Dryden Metro MBR-HAI
96.6
Near National Average
National Average
97.1
Score of 100 = baseline
vs. National
-0.5
less affordable
Median Home Value
$283,800
Census ACS 5-Yr 2024
Median Income
$78,476
Household income

What This Score Means for Dryden, Texas Home Buyers

With a score of 96.6, Dryden, Texas is 0.5 points less affordable than the national average of 97.1. The area’s median home value of $283,800 against a median household income of $78,476 produces a price-to-income ratio of 3.6x , relatively affordable compared to national levels. At the current Texas mortgage rate of 7.383%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $1,569 in principal and interest.

Beyond the mortgage payment, the median total monthly owner cost in this area is $1,404, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $444/month ($5,327/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.

Score Interpretation
120+  Highly Affordable
110-119  More Affordable Than Average
90-109  Near National Average
70-89  Moderately Less Affordable
50-69  Significantly Less Affordable
Below 50  Least Affordable
As of Oct 14, 2026 • Updated each morning

Score computed from Texas statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Texas live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology

How Mortgage Rates Impact Home Affordability in Dryden, Texas

Dryden, Texas Housing Market Overview

City-level home value data is not available for Dryden ; figures below reflect Texas statewide data.

The Texas statewide median owner-occupied home value is approximately $283,800, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.

Dryden, Texas Homeownership Rate

Dryden Metro
63.2%
-2.5% vs. national avg
Texas Statewide
63.2%
0% vs. Texas
U.S. National Rate
65.7%
CPS/HVS Q4 2025
Homeowner Vacancy Rate
1.6%
Moderate inventory

The homeownership rate in Dryden, Texas stands at 63.2%, near the national average of 65.7%. The homeowner vacancy rate is 1.6%.

Monthly Payment Estimates for Dryden, Texas Buyers

Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.

Interest Rate Loan Term Monthly Payment Total Interest Paid
6.883% 30-year fixed $2,630 $546,747
7.383% Current Avg 30-year fixed $2,765 $595,357
7.883% 30-year fixed $2,902 $644,900
6.841% 15-year fixed $3,560 $240,773

A 0.500% rate increase on a $400,000 loan adds roughly $138 per month and over $49,542 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Dryden, Texas buyer can make.

Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.

Dryden, Texas Income & Housing Affordability

City-level Census data is not available for Dryden ; figures below reflect Texas statewide data.

At a price-to-income ratio of 3.6x, Texas is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.

Texas Median Income
$78,476
-2.8% vs. national median
ACS 5-Year 2024
U.S. Median Income
$80,734
National baseline
ACS 5-Year 2024
Price-to-Income Ratio
3.6x
National avg: 3.8x
Home value / household income

What This Means for Texas Buyers

With a median household income of $78,476 per year in Texas statewide ($6,540/month) and a median home value of approximately $283,800, a buyer financing at 80% LTV at the current average rate would commit roughly 42.3% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.

Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.

Full Cost of Homeownership in Dryden, Texas

A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Dryden, Texas. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.

Owner vs. Renter Costs

Median Monthly Owner Cost
$1,404
Mortgage, taxes, insurance & utilities
0% vs. Texas avg
Median Gross Rent
$1,403
Rent including utilities
0% vs. Texas avg
Ownership Premium
+$1
Owner cost vs. rent per month
Owning costs 0% more than renting
Median Annual Property Tax
$5,327
$444/month added to housing costs

In Dryden, Texas, the median homeowner with a mortgage pays approximately $1,404/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,403/month including utilities. The $1/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $444/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.

Housing Cost Burden

The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.

Owner Cost Burden (30%+)
28.8%
of mortgage holders
11.4% severely burdened (50%+)
Renter Cost Burden (30%+)
49.3%
of renters
23.8% severely burdened (50%+)
National Owner Burden
28.0%
of mortgage holders nationally
47.6% of renters nationally

In Dryden, Texas, 28.8% of homeowners with mortgages are cost burdened and 49.3% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 28.8% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.

Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.

Dryden, Texas Mortgage Payment Calculator

See your estimated monthly principal & interest payment at today’s Dryden, Texas rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.

Monthly P&I
$0
Loan Amount
$0
Total Interest
$0

Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.

Current Dryden, Texas Mortgage Rates

Lowest verified rate per loan type · click to use its rate and term
Lowest verified rate per loan type available in Dryden, Texas. ARM rates apply for the initial fixed period only. See the loan-type tabs above for all offers.

Run the Numbers on Your Dryden, Texas Home Loan

Rates are only part of the equation. Use these calculators to translate current Dryden, Texas mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.

Types of Mortgages Available in Dryden, Texas

Not every loan program is right for every buyer in Dryden, Texas. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.

Fixed-Rate Mortgage

A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.

Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Dryden, Texas rate levels.

Adjustable-Rate Mortgage (ARM)

An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.

ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.

FHA Loan

Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.

The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Dryden, Texas, FHA is often the faster path to ownership.

VA Loan

Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.

A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Dryden, Texas, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.

Jumbo Loan

The 2026 FHFA conforming loan limit for Dryden, Texas is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.

Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dryden, Texas mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Dryden, Texas directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Dryden, Texas. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in TX.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.

How a Mortgage Works in Dryden, Texas

A mortgage is a loan used to buy a home in Dryden, Texas, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.

Fixed-Rate vs. Adjustable-Rate Mortgages for Dryden, Texas Buyers

A fixed-rate mortgage keeps the same interest rate for the entire term, so a Dryden, Texas homeowner’s principal-and-interest payment never changes. For example, Frost Bank is listing a 30-year fixed-rate (Income-based) Mortgage at 5.75%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Dryden, Texas borrowers who expect to move or refinance before that point. On the adjustable-rate side, East Texas Professional Credit Union is listing a In-House Adjustable Rate Mortgage (ARM) - 5/1 ARM 30-Year at 5.25%.

How Dryden, Texas Mortgage Rates Are Set

Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Texas borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.

Points and Closing Costs in Dryden, Texas

The interest rate is not the only cost of buying a home in Dryden, Texas. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Dryden, Texas shoppers account for these costs when weighing lenders.

When Dryden, Texas Homeowners Should Consider Refinancing

Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Dryden, Texas homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Dryden, Texas refinance rates from local lenders are listed on our refinance page.

Frequently Asked Questions about Mortgage Rates in Dryden, Texas

What are home loan rates in Dryden, TX today?

Home loan rates and mortgage rates mean the same thing. Dryden, Texas mortgage rates from lenders serving Texas range from 5.12% to 8.63%, verified by MonitorBankRates as of October 13, 2026. Current 30-year fixed mortgage rates for Dryden, Texas borrowers from lenders serving Texas include Frost BankFrost BankA+5.0 ★Texas Ratio: 2.51% at 5.75%, Chemcel Federal Credit UnionChemcel Federal Credit UnionA+5.0 ★Texas Ratio: 3.32% at 6.054%, Telco Plus Credit UnionTelco Plus Credit UnionA+5.0 ★Texas Ratio: 2.38% at 6.25%, Education First Federal Credit UnionEducation First Federal Credit UnionA+5.0 ★Texas Ratio: 3.82% at 6.00%, and Texell Credit UnionTexell Credit UnionA+5.0 ★Texas Ratio: 3.98% at 6.63%.

How does my credit score affect my rate in Texas?

Your credit score is a major factor. Generally, borrowers in Dryden, Texas with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Texas because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Texas?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Texas, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Dryden, Texas, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Dryden, Texas?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Texas, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Texas?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Dryden, Texas offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I compare mortgage lenders in Dryden, Texas?

Start with the rate tables on this page, which list current rates from local banks, credit unions and other mortgage lenders serving Texas. Narrow the list to three or four lenders, then compare each one's rate, APR, points and fees side by side rather than the rate alone.

How do I get mortgage quotes in Dryden, Texas?

Ask two to four mortgage lenders for a Loan Estimate on the same loan amount, term and down payment. Lenders must send a Loan Estimate within three business days of your application, and requesting your mortgage quotes on the same day keeps daily rate changes from skewing the comparison. Mortgage rate shopping within a short window, typically 14 to 45 days, counts as a single credit inquiry for most credit scores.

What is the homeownership rate in Dryden, Texas?

According to the U.S. Census Bureau Housing Vacancies and Homeownership survey (CPS/HVS, Q4 2025), the homeownership rate in the Dryden, TX metro area is 63.2%, compared to the national rate of 65.7%. Source: census.gov/housing/hvs.

What is the conforming loan limit in Dryden, Texas?

The 2026 FHFA conforming loan limit for Dryden, Texas is $832,750. Mortgages above this amount are considered jumbo loans and typically require stronger credit, a larger down payment, and additional reserves. Source: Federal Housing Finance Agency, fhfa.gov/data/conforming-loan-limit.

What is the median monthly cost of homeownership in Dryden, Texas?

According to the U.S. Census Bureau, the median monthly owner cost for mortgage holders in Dryden, Texas is approximately $1,404 per month. This includes the mortgage payment, property taxes, insurance, and utilities.

What are the median property taxes in Dryden, Texas?

The median annual property tax paid by homeowners with a mortgage in Dryden, Texas is $5,327 per year ($444 per month). Source: U.S. Census Bureau.

What is the median rent in Dryden, Texas?

The median gross rent in Dryden, Texas is $1,403 per month, including utilities. Source: U.S. Census Bureau.

What percentage of homeowners are cost burdened in Dryden, Texas?

28.8% of mortgage holders in Dryden, Texas spend more than 30% of their gross household income on housing costs -- the federal definition of cost burdened. 11.4% are severely cost burdened, spending 50% or more of their income on housing. The national average for owner cost burden is 28.0%. Source: U.S. Census Bureau.

What percentage of renters are cost burdened in Dryden, Texas?

49.3% of renters in Dryden, Texas spend more than 30% of their gross income on rent, compared to the national average of 47.6%. 23.8% are severely cost burdened at 50% or more. Source: U.S. Census Bureau.

What are the best Mortgage rates in Dryden, Texas?

  • Frost Bank: 5.75% (30-year fixed-rate (Income-based) Mortgage)
  • Chemcel Federal Credit Union: 6.054% (30-Year Fixed Mortgage)
  • Telco Plus Credit Union: 6.25% (Mortgage - 30 Year Fixed)
  • Education First Federal Credit Union: 6.00% (30 Year Fixed Rate Mortgage)
  • Texell Credit Union: 6.63% (USDA 30-year Fixed purchase)
Mortgage Rates reflect actual verified offers from lenders actively lending to Texas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 13, 2026

Dryden, Texas Rates & Resources