Home Refinance Loan Ratesin Tennessee

Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Tennessee and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.

(Last Updated: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.755% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.615 Points$1,968 Points Fee
$4,635 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.806% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$6,530 Total Fees$3,730 Lender Fees
 30 Years Fixed
5.852% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.739 Points$2,365 Points Fee
$3,653 Total Fees$1,288 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.649 Points$2,077 Points Fee
$3,964 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.425 Points$1,360 Points Fee
$2,410 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.954% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.854 Points$2,733 Points Fee
$2,733 Total Fees$0 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.586 Points$1,875 Points Fee
$2,970 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.801 Points$2,563 Points Fee
$3,313 Total Fees$750 Lender Fees
 30 Years Fixed
5.987% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.619 Points$1,981 Points Fee
$3,971 Total Fees$1,990 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.897 Points$2,870 Points Fee
$4,265 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.987 Points$3,158 Points Fee
$4,453 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.046% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.605 Points$1,936 Points Fee
$1,936 Total Fees$0 Lender Fees
 30 Years Fixed
6.067% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$2,637 Total Fees$0 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.669 Points$2,141 Points Fee
$3,136 Total Fees$995 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.931 Points$2,979 Points Fee
$3,679 Total Fees$700 Lender Fees
 30 Years Fixed
7.047% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.581 Points$1,859 Points Fee
$1,859 Total Fees$0 Lender Fees
 30 Years Fixed
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5.840% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.983 Points$3,146 Points Fee
$3,146 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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