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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Chattanooga
Updated February 5, 2026
Market Overview
94
Total Lenders
7,242
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $464 | -0.456% | 64 | |
2 | FirstBank | Strong | Sound | Exceptional | Exceptional | $1,991 | +0.241% | 351 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,289 | -0.019% | 284 | |
4 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $3,118 | +0.145% | 233 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,428 | +0.346% | 191 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $2,285 | +0.142% | 96 | |
7 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,526 | +0.104% | 83 | |
8 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,178 | +0.187% | 62 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,041 | -0.001% | 31 | |
10 | First Citizens National Bank | Strong | Strong | Sound | Strong | $1,226 | -0.102% | 29 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $980 | +0.012% | 28 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,203 | +0.345% | 707 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,689 | +0.245% | 572 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,448 | +0.380% | 397 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $4,042 | +0.457% | 374 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,277 | +0.476% | 154 | |
17 | Regions Bank | Strong | Sound | Strong | Strong | $1,431 | +0.490% | 143 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,828 | +0.001% | 103 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,183 | +0.473% | 85 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $4,590 | +0.418% | 78 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,512 | -0.094% | 69 | |
22 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,287 | +0.116% | 55 | |
23 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | $73 | +0.377% | 45 | |
24 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,269 | +0.071% | 43 | |
25 | Legends Bank | Strong | Sound | Strong | Strong | $1,786 | +0.338% | 38 | |
26 | TENNESSEE VALLEY FCU | Strong | Acceptable | Strong | Exceptional | $3,328 | +0.205% | 321 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,053 | +0.351% | 66 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,225 | +0.376% | 63 | |
29 | SmartBank | Strong | Sound | Sound | Strong | $1,187 | +0.306% | 63 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,343 | +0.430% | 54 | |
31 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $3,150 | +0.118% | 44 | |
32 | Cadence Bank | Strong | Sound | Strong | Sound | $2,185 | +0.151% | 39 | |
33 | Synovus Bank | Strong | Sound | Strong | Sound | $2,884 | +0.174% | 23 | |
34 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,200 | +0.867% | 230 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,692 | +0.397% | 148 | |
36 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $2,610 | +0.549% | 141 | |
37 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $4,356 | +0.650% | 100 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,307 | +0.217% | 54 | |
39 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,755 | +0.902% | 40 | |
40 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,144 | +0.427% | 35 | |
41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,132 | +0.610% | 33 | |
42 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,598 | +0.009% | 27 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $3,459 | +0.459% | 24 | |
44 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,820 | +0.145% | 21 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,450 | +0.572% | 120 | |
46 | Citizens Tri-County Bank | Sound | Acceptable | Sound | Strong | $1,639 | +0.167% | 84 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,663 | +0.285% | 49 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,531 | +0.623% | 47 | |
49 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,423 | +0.341% | 38 | |
50 | STOCKTON MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,823 | +0.457% | 35 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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