The Lenders Community Survey gathers homeowners feedback and 96 lenders recommendations for Tennessee home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 9, 2025
<< Human Powered Recommendations >>
Tennessee’s Top Lenders for Home Refinance Loans
Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Johnson City, Jackson, Hendersonville, Online lenders.
Recommendations are gathered from 1,205 Tennesseans members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Tennessee Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Tennessee Homeowners.
Nashville-Davidson Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Nashville-Davidson’s area are First Horizon Bank, Pinnacle Financial Partners and Regions Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Pinnacle Financial Partners | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Ascend Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Wilson Bank & Trust | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Bank of Nashville | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Tennessee Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 83% |
| CapStar Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
| Legends Bank | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
| FirstBank | Community Bank | 3.0 | 3.5 | 3.0 | 75% |
Memphis Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Memphis’s area are First Horizon Bank, Bank of Bartlett and Paragon Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of Bartlett | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Paragon Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Trustmark National Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| First South Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Independent Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Magnolia Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Orion Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 83% |
| Financial Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
| BankTennessee | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
Knoxville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Knoxville’s area are First Horizon Bank, Bank of Bartlett and Paragon Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of Bartlett | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| Paragon Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Trustmark National Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| First South Financial Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Independent Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Magnolia Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Orion Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 83% |
| Financial Federal Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
| BankTennessee | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
Chattanooga Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Chattanooga’s area are First Horizon Bank, SunTrust Bank (Truist) and First Volunteer Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| SunTrust Bank (Truist) | Bank | 4.5 | 4.5 | 4.5 | 93% |
| First Volunteer Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Tennessee Valley Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| SmartBank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Citizens National Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| Cornerstone Community Bank | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 81% |
| FirstBank | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
Clarksville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Clarksville’s area are First Horizon Bank, Legends Bank and F&M Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Legends Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| F&M Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Fort Campbell Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| First Advantage Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 85% |
Murfreesboro Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Murfreesboro’s area are Wilson Bank & Trust, First Horizon Bank and Regions Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Wilson Bank & Trust | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.0 | 93% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| SunTrust Bank (Truist) | Bank | 3.5 | 4.0 | 3.5 | 85% |
| U.S. Bank | Bank | 3.5 | 3.5 | 4.0 | 83% |
| First Tennessee Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
Franklin Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Franklin’s area are First Horizon Bank, Regions Bank and Bank of America.
<di| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| SunTrust Bank (Truist) | Bank | 3.5 | 4.0 | 3.5 | 85% |
| U.S. Bank | Bank | 3.5 | 3.5 | 4.0 | 83% |
| First Tennessee Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
Johnson City Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Johnson City’s area are Bank of Tennessee, First Horizon Bank and Guild Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of Tennessee | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.0 | 92% |
| Guild Mortgage | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Mortgage Investors Group | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Sierra Pacific Mortgage | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Regions Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Tennessee Valley Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 83% |
Jackson Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Jackson’s area are Leaders Credit Union, First Citizens National Bank and Commercial Bank & Trust Company.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Leaders Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| First Citizens National Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Commercial Bank & Trust Company | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Regions Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Bank of America | Bank | 3.5 | 4.0 | 3.5 | 85% |
| First Horizon Bank | Bank | 3.5 | 3.5 | 4.0 | 83% |
| SunTrust Bank (Truist) | Bank | 3.5 | 3.5 | 3.5 | 81% |
Hendersonville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hendersonville’s area are First Horizon Bank, Wilson Bank & Trust and Regions Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Horizon Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Wilson Bank & Trust | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Pinnacle Financial Partners | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| SunTrust Bank (Truist) | Bank | 3.5 | 3.5 | 4.0 | 83% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
Tennessee Best Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Tennessee are Rocket Mortgage, Better.com and Guaranteed Rate.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k-$2.5M | 3.5%-6.5% | 15-30 years | 5 | 4.5 | 4.5 | 95% |
| Better.com | $100k-$1.5M | 3.25%-6.25% | 15-30 years | 4.5 | 4.5 | 4 | 93% |
| LoanDepot | $100k-$3M | 3.75%-6.75% | 10-30 years | 4.5 | 4 | 4 | 90% |
| Guaranteed Rate | $100k-$2M | 3.5%-6.5% | 15-30 years | 4 | 4.5 | 4 | 91% |
| New American Funding | $100k-$1.5M | 3.75%-6.75% | 15-30 years | 4 | 4 | 4.5 | 89% |
| Zillow Home Loans | $100k-$2M | 3.5%-6.5% | 15-30 years | 4.5 | 4 | 3.5 | 88% |
| Sofi | $100k-$2M | 3.5%-6.5% | 10-30 years | 4 | 4 | 4 | 87% |
| PenFed Credit Union | $100k-$1.5M | 3.25%-6.25% | 15-30 years | 3.5 | 4.5 | 4 | 86% |
| NBKC Bank | $100k-$2M | 3.5%-6.5% | 15-30 years | 4 | 4 | 3.5 | 85% |
| Alliant Credit Union | $100k-$1.5M | 3.5%-6.5% | 15-30 years | 3.5 | 4 | 4 | 84% |
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