Wholesale rate sheet · updated April 18, 2026 · 8am ET
Texas Mortgage Rate Sheet — April 18, 2026
The lowest 30-year fixed rates from 25 credit unions publishing wholesale sheets in Texas, ranked by APR. Updated daily.
Data source: publicly posted CU rate sheets · Not an offer of credit
Texas market snapshot · today
7-day sparkline reflects Texas median APR trend · 30-year fixed conforming
Today’s Texas leaderboard.
Top 10 credit unions ranked by APR on a $400K / 360mo conforming loan.
No sheet data for Texas today.
No credit unions in Texas published a wholesale rate sheet in the last 24 hours. Check back after 8am ET tomorrow, or see other state sheets.
About the Texas wholesale market.
Texas is the deepest wholesale market after California; cash-out refinance pricing is often a separate sheet line due to constitutional limits. 25 credit unions are publishing rate sheets in Texas today.
Program mix: Conventional and FHA both strong; VA share is among the highest in the country. Jumbo activity concentrated in Austin, Houston, and Dallas.
Licensing & regulation: Texas Credit Union Department — dedicated CU regulator. Texas has distinctive home equity rules (constitutional cash-out restrictions) that shape sheet pricing.
Largest wholesale CUs by membership: Randolph-Brooks Federal Credit Union (RBFCU), Security Service FCU, Texas Dow Employees Credit Union.
Typical home-price band: $300,000–$375,000 · factors into conforming-vs-jumbo break in broker sheets.
Need 15-year, FHA, VA, USDA, or jumbo sheets? Query the full program surface via /v1/decisions with product_type filters.
See other state sheets →
Get this in your inbox every morning.
The full Texas wholesale sheet, ranked by APR, delivered at 9am ET. Built for loan officers and brokers.
Subscribe to daily rate emails →