Texas mortgage rates November 13, 2026: a small step down
On November 13, 2026 at 12:35 PM ET, RateVerdict priced a $400,000 30-year fixed Texas refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.794% APR, $500 in points), while 6.625% (6.694% APR) cost only $1,000 more (source: RateVerdict Texas rate table).
The short answer for November 13, 2026
RateVerdict priced one Texas loan at 12:35 PM ET on Friday, November 13, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Texas rate table, as of November 13, 2026, 12:35 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.794% APR and $500 in points. The top of the table was 6.125%, with a 6.489% APR and $13,928 in points (same source and time).
A $1,000 step
On Texas's Friday table, 6.750% (6.794% APR) came with $500 in points. One step lower, 6.625% (6.694% APR) came with $1,500 in points (0.375 points). The 0.125% lower rate cost $1,000 more at closing on the $400,000 sample loan (source: RateVerdict Texas rate table, as of November 13, 2026, 12:35 PM ET).
Because the extra cost was small, 6.625% had a lower APR than 6.750%: 6.694% against 6.794%.
| State | Priced (ET) | 6.750% cost or credit | 6.625% cost or credit | Extra cost for 6.625% |
|---|---|---|---|---|
| California | 12:00 PM | $1,100 credit (6.782% APR) | $4,316 cost (6.755% APR) | $5,416 |
| Colorado | 12:05 PM | $180 credit (6.782% APR) | $4,272 cost (6.754% APR) | $4,452 |
| Florida | 12:10 PM | $500 cost (6.791% APR) | $4,380 cost (6.765% APR) | $3,880 |
| Georgia | 12:15 PM | $500 credit (6.782% APR) | $3,972 cost (6.746% APR) | $4,472 |
| Ohio | 12:20 PM | $500 credit (6.782% APR) | $3,960 cost (6.746% APR) | $4,460 |
| Pennsylvania | 12:25 PM | $1,100 credit (6.782% APR) | $3,796 cost (6.742% APR) | $4,896 |
| South Carolina | 12:30 PM | $500 credit (6.782% APR) | $4,172 cost (6.751% APR) | $4,672 |
| Texas | 12:35 PM | $500 cost (6.794% APR) | $1,500 cost (6.694% APR) | $1,000 |
| Virginia | 12:41 PM | $500 cost (6.791% APR) | $4,276 cost (6.754% APR) | $3,776 |
What to take from it
- In the other eight states in today's daily posts, the same step cost $3,776 to $5,416 (same sources).
- Step prices differ by state and by day. A step that is small in one state on one day can be large in another.
- When you get a quote, ask for the price of the rate one step below it. Sometimes that step is small.
Friday's full Texas table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Texas table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Texas rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.489% | 3.482 | $13,928 cost |
| 6.250% | 6.553% | 2.840 | $11,360 cost |
| 6.375% | 6.615% | 2.220 | $8,880 cost |
| 6.500% | 6.672% | 1.484 | $5,936 cost |
| 6.625% | 6.694% | 0.375 | $1,500 cost |
| 6.750% | 6.794% | 0.125 | $500 cost |
| 6.875% | 6.903% | -0.191 | $764 credit |
| 7.000% | 7.042% | -0.623 | $2,492 credit |
| 7.125% | 7.153% | -1.042 | $4,168 credit |
| 7.250% | 7.278% | -1.471 | $5,884 credit |
| 7.375% | 7.402% | -1.873 | $7,492 credit |
| 7.500% | 7.528% | -2.263 | $9,052 credit |
A Texas limit on cash-out loans
In Texas, a cash-out (home equity) loan on a homestead, added to every other lien on the home, may not exceed 80 percent of the home's fair market value (source: Tex. Const. art. XVI, section 50(a)(6)(B)). The table in this post is a rate-and-term refinance with no cash out, so that limit is not part of its pricing.
See today's rate for your scenario
This post is one sample loan on one day. The Texas rate table on this site shows the current weekday table, and the Texas rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Texas on November 13, 2026?
It was 6.750% with a 6.794% APR and $500 in points for the $400,000 Texas sample refinance with 780+ credit (source: RateVerdict Texas rate table, November 13, 2026, 12:35 PM ET).
How much did 6.625% cost in Texas on November 13, 2026?
6.625% (6.694% APR) came with 0.375 points, or $1,500, on the $400,000 sample loan, $1,000 more than 6.750% (source: RateVerdict Texas rate table, November 13, 2026, 12:35 PM ET).
How can a lower rate have a lower APR and cost more?
The APR spreads up-front costs over the loan. When a lower rate costs only a little more, its lower interest outweighs the extra cost in the APR.
Did the same step cost more in other states on November 13, 2026?
Yes. In the other eight states in RateVerdict's daily posts it cost $3,776 to $5,416 (source: RateVerdict state rate tables, November 13, 2026).
How much can I borrow on a Texas cash-out refinance?
Texas limits a home equity loan on a homestead, plus every other lien on the home, to 80 percent of fair market value (source: Tex. Const. art. XVI, section 50(a)(6)(B)).
See today's Texas rates
Today's Texas table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Texas mortgage rates today (weekday midday snapshot)as of November 13, 2026, 12:35 PM ET
- RateVerdict, Texas mortgage rate historyas of November 13, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 2026
- Tex. Const. art. XVI, section 50(a)(6)(B)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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