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: 09/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.498% APR 6.375% Rate 15 day rate lock $1,997 Payment per month
0.668 Points$2,138 Points Fee
$4,133 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.722% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$7,882 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.742% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.878 Points$2,810 Points Fee
$4,013 Total Fees$1,203 Lender Fees
 30 Years Fixed
6.748% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.973 Points$3,114 Points Fee
$4,164 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.770% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$4,795 Total Fees$2,795 Lender Fees
 30 Years Fixed
6.820% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.372 Points$1,190 Points Fee
$2,418 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.853% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.719 Points$2,301 Points Fee
$3,396 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.862% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.750 Points$2,400 Points Fee
$3,770 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.873% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.954 Points$3,053 Points Fee
$4,289 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.889% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.947 Points$3,030 Points Fee
$4,659 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.896% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.687 Points$2,198 Points Fee
$8,998 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.918% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.438 Points$1,402 Points Fee
$1,402 Total Fees$0 Lender Fees
 30 Years Fixed
6.960% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.868 Points$2,778 Points Fee
$2,778 Total Fees$0 Lender Fees
 30 Years Fixed
6.969% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.953 Points$3,050 Points Fee
$3,050 Total Fees$0 Lender Fees
 30 Years Fixed
6.977% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.601 Points$1,923 Points Fee
$3,318 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.985% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.655 Points$2,096 Points Fee
$3,590 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.021% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.936 Points$2,995 Points Fee
$4,895 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.187% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.622 Points$1,990 Points Fee
$1,990 Total Fees$0 Lender Fees
 30 Years Fixed
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Refinance to lower your rate
A smarter way to get cash from your home
6.818% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.694 Points$2,221 Points Fee
$2,221 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.
Family moving in