For my own reference, various refinancing options: SoFi Published rate range of 3.25%+ for fixed rate loans Offered rate of 3.25%, with a $300 signup bonus via White Coat Investor. Credible Published rates: 3.15%+. Offered rate of 3.97%. CommonBond Published rates: 3.14%+. Application under review. A day later they came back with 2.80% variable (lowest published 2.72% so probably akin to 3.22% fixed). Laurel Road (née DRB) Published rates: 3.37%+. Preliminary rate offered of 4.15%. Earnest Published rates: 3.25%+. Application under review.