Mortgage Loans in Memphis, TN

Looking for the best home mortgage APR rates in Memphis, TN? Compare offers from trusted local lenders to find rates that fit your budget and lifestyle. Our easy comparison tool helps you save time and money, so you can focus on finding your perfect Memphis home.

Memphis homebuyers deserve personalized service and flexible loan options tailored to the local market. Explore competitive rates and discover special programs that can lower your costs. Start comparing today and take a confident step toward homeownership in Memphis.

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

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🏘️ All the Lenders Available in Shelby County, TN

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