Mortgage Loans in Memphis, TN

Looking for the best house mortgage rates in Memphis, TN? Compare offers from trusted local lenders who understand the Memphis market and can help you find rates that fit your budget and timeline.

Whether you’re buying your first home or refinancing, exploring multiple mortgage options in Memphis ensures you get the most competitive rates and personalized service. Start comparing today and take the next step toward your dream home.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
firsttechfed
Conv
6.75 - 7.375 %
6.852 - 7.559 %
10 - 30 Yrs
∞
listerhill
Conv
5.74 - 7.25 %
3 - 10 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-20

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%, higher than 7, 30, 60, and 90 days ago when it was 3.75%. When the Fed Funds rate rises, it can increase mortgage rates because lenders face higher borrowing costs.

Credit Union Loan Rates - Trends & Analysis:

First Technology shows a 15-year conventional fixed rate today at 6.75%, up 38 bp from last week and 63 bp from 30 days ago. The 30-year conventional fixed rate is 7.375%, rising 25 bp in the past week and 50 bp over the month. Jumbo 30-year fixed loans stand at 7.25%, increasing 38 bp from last week and 50 bp from 30 days ago. Adjustable 5- and 7-year fixed rates are both 6.5%, up 13 bp this week and 63 bp since last month. The 10-year adjustable fixed rate is 7.125%, up 38 bp from last week. Listerhill offers a 3-year ARM at 5.74% today, up 50 bp from 30 days ago. Their 5-year ARM is priced at 6.00%, also up 50 bp over the past month.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.855%, and Freddie Mac’s 30-year rate is 6.950%, with Zillow slightly lower than Freddie Mac. Zillow’s 30-year rate is higher than it was 7 days ago. These rates reflect the cost borrowers face for long-term home loans, which can influence how many people decide to buy or refinance homes.

🏦 Local Lenders in Memphis, TN

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Shelby County, TN

✅METHODIST HEALTHCARE FEDERAL CREDIT UNION
✅FEDEX EMPLOYEES CREDIT ASSOCIATION FEDERAL CREDIT UNION
✅FIRST SOUTH FINANCIAL FEDERAL CREDIT UNION
✅F A A FEDERAL CREDIT UNION
✅HEALTHNET FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅FEDTRUST FEDERAL CREDIT UNION
✅SHELBY COUNTY FEDERAL CREDIT UNION
✅TVA MIDSOUTH CREDIT UNION
✅U T CREDIT UNION
✅ORION FEDERAL CREDIT UNION
✅SOUTHERN SECURITY FEDERAL CREDIT UNION
✅OLIVET BAPTIST CREDIT UNION
✅HOPE 24829 CREDIT UNION
✅KENNEDY VA EMPLOYEES FEDERAL CREDIT UNION
✅KIMBERLY CLARK CREDIT UNION
✅BULAB EMPLOYEES FEDERAL CREDIT UNION
✅MEMPHIS CITY EMPLOYEES CREDIT UNION
✅L G W CREDIT UNION
✅NUCOR EMPLOYEES FEDERAL CREDIT UNION
✅DELTA REFINING CO EMP FEDERAL CREDIT UNION
✅UPS EMPLOYEES CREDIT UNION
✅KELLOGG MEMPHIS EMPLOYEES FEDERAL CREDIT UNION
✅OWENSBORO FEDERAL CREDIT UNION
✅ESPEECO FEDERAL CREDIT UNION
✅SOUTHEAST FINANCIAL CREDIT UNION
✅MEMPHIS MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION
✅CNIC EMPLOYEES CREDIT UNION
✅KEMBA DELTA FEDERAL CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅LEADERS CREDIT UNION CREDIT UNION

Compare other loan types in Memphis, TN

Why compare Mortgage Loans in Memphis, TN on LendMesh

If you’re exploring house mortgage rates in Memphis, TN, taking the time to compare multiple lenders on LendMesh can make a real difference. By reviewing a variety of offers, you can uncover better deals and find options that fit your budget without any pressure. Keep browsing to ensure you’re making the most informed choice on your home loan journey.

Stay ahead with LendMesh’s subscription option tailored for Memphis homebuyers. Simply set your target mortgage rate, and we’ll alert you whenever rates fall below your goal. Receive weekly or monthly updates featuring expert insights, market trends, and curated loan deals right in your inbox. Join thousands of savvy borrowers in Memphis who trust LendMesh to help them seize the best mortgage opportunities.

Customers are also interested in:

House Mortgage Rates