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: 03/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.832% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.556 Points$1,779 Points Fee
$2,967 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.852% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.486 Points$1,555 Points Fee
$3,550 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.955% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.489 Points$1,565 Points Fee
$2,853 Total Fees$1,288 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,315 Total Fees$115 Lender Fees
 30 Years Fixed
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.784 Points$2,509 Points Fee
$3,304 Total Fees$795 Lender Fees
 30 Years Fixed
5.979% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.851 Points$2,723 Points Fee
$3,818 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.990% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.931 Points$2,979 Points Fee
$8,846 Total Fees$5,867 Lender Fees
 30 Years Fixed
6.006% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.980 Points$3,136 Points Fee
$4,531 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.049% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.634 Points$2,029 Points Fee
$2,029 Total Fees$0 Lender Fees
 30 Years Fixed
6.069% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.848 Points$2,714 Points Fee
$2,714 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.989 Points$3,165 Points Fee
$4,460 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.152% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$5,377 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.826 Points$2,643 Points Fee
$2,643 Total Fees$0 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.781 Points$2,499 Points Fee
$3,494 Total Fees$995 Lender Fees
 30 Years Fixed
6.228% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.757 Points$2,422 Points Fee
$3,650 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.235% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.673 Points$2,154 Points Fee
$3,936 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.457% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.860 Points$2,752 Points Fee
$2,752 Total Fees$0 Lender Fees
 30 Years Fixed
6.605% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.732 Points$2,342 Points Fee
$3,837 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.054% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.576 Points$1,843 Points Fee
$1,843 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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