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: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.950% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.982 Points$3,142 Points Fee
$7,409 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.975 Points$3,120 Points Fee
$4,323 Total Fees$1,203 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.974 Points$3,117 Points Fee
$4,167 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.257% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.973 Points$3,114 Points Fee
$4,509 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.259% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.816 Points$2,611 Points Fee
$4,606 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.282% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.803 Points$2,570 Points Fee
$5,365 Total Fees$2,795 Lender Fees
 30 Years Fixed
6.309% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$2,115 Total Fees$115 Lender Fees
 30 Years Fixed
6.312% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.275 Points$880 Points Fee
$2,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 35 day rate lock $1,971 Payment per month
0.414 Points$1,325 Points Fee
$2,720 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.881 Points$2,819 Points Fee
$2,819 Total Fees$0 Lender Fees
 30 Years Fixed
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,175 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.343% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.639 Points$2,045 Points Fee
$3,140 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.347% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.627 Points$2,006 Points Fee
$3,301 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.757 Points$2,422 Points Fee
$3,658 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.792 Points$2,534 Points Fee
$4,163 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.930 Points$2,976 Points Fee
$4,204 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.384% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.646 Points$2,067 Points Fee
$8,867 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.407% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.760 Points$2,432 Points Fee
$3,926 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.615 Points$1,968 Points Fee
$4,815 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.566% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
6.757% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.903 Points$2,890 Points Fee
$4,385 Total Fees$1,495 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
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Refinance to lower your rate
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.728 Points$2,330 Points Fee
$2,330 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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