Lendtrain offers mortgage refinance rates in Tennessee. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.
Check Your Tennessee Mortgage Refinance Rate
Get a free rate quote from a licensed Tennessee mortgage broker. No application, no commitment. No credit check for your quote. Takes about 30 seconds.
Tennessee homeowners refinancing a mortgage should know closing practice can involve a title company or attorney depending on the county and transaction. Lendtrain is licensed in Tennessee and brokers wholesale conventional and VA refinance options. Useful comparisons start with the existing rate, payoff, equity, credit profile, and estimated closing costs.
Rates as of July 10, 2026
Today's Tennessee Refinance Rate Snapshot
| Product/term | Rate | APR | Points |
|---|---|---|---|
| Rate-and-term refinance30-year fixed | 6.250% | 6.295% | 0.13 |
| Cash-out refinance with $80,000 cash out30-year fixed | 7.000% | 7.050% | 0.16 |
Snapshot assumptions
Conventional refinance; 30-year fixed; $400,000 loan amount; 75% loan-to-value; 740 credit score; single-family home; primary residence; state: Tennessee; date generated: July 10, 2026. Cash-out row assumes $80,000 cash out.
Estimates are based on the stated assumptions. Rates change without notice. This is not a commitment to lend or an offer of credit. Your rate depends on your scenario. Atlantic Home Mortgage, LLC dba Lendtrain. NMLS #1844873. Equal Housing Opportunity.
Why Refinance in Tennessee With Lendtrain
See how Lendtrain helps Tennessee homeowners save on their mortgage refinance.
Closing Varies by County
Tennessee closing requirements differ by county — some use a title company, others require an attorney. We show your estimated closing costs upfront so you know what applies in your area.
Wholesale Lender Pricing
We access wholesale lenders for your rate and show you an estimate in about 30 seconds. Rates vary with your profile and market conditions.
Licensed in Tennessee
Lendtrain (NMLS# 1844873) is a licensed mortgage broker in Tennessee. We are a real company, not a lead form.
Quick Estimated Savings
A few questions and you see estimated savings in about 30 seconds. No lengthy application, no credit pull for your quote.
How It Works
No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.
Enter Your Mortgage Details
Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.
Get Your Rate Quote
We pull live wholesale rates based on your exact scenario. No guessing — real numbers.
See Your Monthly Savings
See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.
Lock Your Rate and Apply
Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.
Takes about 30 seconds. No credit check for your quote.
Frequently Asked Questions About Tennessee Refinancing
What are current refinance rates in Tennessee?
How much does it cost to refinance in Tennessee?
Is Lendtrain licensed in Tennessee?
Do I need a credit check to see my rate?
What loan types are available for Tennessee refinancing?
How long does it take to refinance in Tennessee?
How do you refinance your mortgage?
When does refinancing make sense?
How often can you refinance your mortgage?
Can you refinance with a different lender?
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Are mortgage refinance fees tax deductible?
Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.
County Refinance Guides in Tennessee
County-level guides with sourced local market data — home values, loan limits, and the underwriting questions specific to each Tennessee county we serve.
Davidson County
Nashville's typical home value slipped 3.2% to $434,719 over the past year (Zillow, April 30, 2026), yet Davidson prices remain roughly 48.7% above 2020 (FHFA via FRED). A clear-eyed equity guide with a 30-second quote.
Read the guide →Hamilton County
Chattanooga-area prices rose about 63% from 2020 to 2025 (FHFA via FRED), then went flat — $355,444 typical value, down 0.1% on the year (Zillow, April 30, 2026). A flat-market refinance guide.
Read the guide →Knox County
Knox County home prices climbed about 77% from 2020 to 2025 — the steepest run in this set (FHFA via FRED) — and are still inching up (Zillow, April 30, 2026). A PMI-and-equity guide for Knoxville owners.
Read the guide →Montgomery County
Clarksville posted this set's fastest current price growth — up 3.7% from 2024 to 2025 (FHFA via FRED) — at a $320,854 typical value (Zillow, April 30, 2026). A Fort Campbell-aware VA and equity guide.
Read the guide →Rutherford County
Rutherford's price index was flat from 2024 to 2025 after a 58.5% five-year run (FHFA via FRED), while the county added 6,266 residents (Census via FRED). A Murfreesboro-Smyrna guide to equity that is done growing.
Read the guide →Shelby County
The typical Memphis-area home is $221,387 — about half of Nashville's — and down 1.5% on the year (Zillow, April 30, 2026). Where balances are smaller, closing costs matter more: a break-even-first guide.
Read the guide →Sumner County
Hendersonville-Gallatin prices rose about 60% from 2020 to 2025 (FHFA via FRED); the typical value of $446,103 is holding steady (Zillow, April 30, 2026). An Old Hickory Lake-aware guide to occupancy tiers and equity.
Read the guide →Williamson County
Williamson's typical home value of $921,342 (Zillow, April 30, 2026) exceeds the $832,750 conforming limit outright (FHFA, 2026) — Tennessee's jumbo-refinance county. Structure guide plus a 30-second quote.
Read the guide →Wilson County
Wilson grew 2.8% in a single year — 175,033 residents, the fastest rate in this set (Census via FRED) — with a $502,459 typical value (Zillow, April 30, 2026). A Mt. Juliet and Lebanon new-build equity guide.
Read the guide →Related Refinance Pages
Refinance Your Davidson County Home
Nashville's typical home value slipped 3.2% to $434,719 over the past year (Zillow, April 30, 2026), yet Davidson prices remain roughly 48.7% above 2020 (FHFA via FRED). A clear-eyed equity guide with a 30-second quote.
Check rates →Refinance Your Williamson County Home
Williamson's typical home value of $921,342 (Zillow, April 30, 2026) exceeds the $832,750 conforming limit outright (FHFA, 2026) — Tennessee's jumbo-refinance county. Structure guide plus a 30-second quote.
Check rates →Refinance Your Knox County Home
Knox County home prices climbed about 77% from 2020 to 2025 — the steepest run in this set (FHFA via FRED) — and are still inching up (Zillow, April 30, 2026). A PMI-and-equity guide for Knoxville owners.
Check rates →Cash-Out Refinance — Check Your Rate in 30 Seconds
Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.
Check rates →Check Your Kentucky Mortgage Refinance Rate
Check your Kentucky mortgage refinance rate in about 30 seconds. Wholesale rates from a licensed mortgage broker (NMLS# 1844873). No credit check for your quote. Free rate check.
Check rates →Ready to Check Your Tennessee Rate?
Takes about 30 seconds. No credit check for your quote.
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Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.
Lendtrain (NMLS# 1844873) is licensed to originate mortgages in Tennessee. NMLS# 1844873.