Safe Rate Rankings

Best Mortgage Lenders in Chattanooga

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders94

Total Loans7,242

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$464Fees	0.456%Below	64
2	FirstBankBank	Strong	Sound	Exceptional	Exceptional	$1,991Fees	0.241%Above	351
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,289Fees	0.019%Below	284
4	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,118Fees	0.145%Above	233
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,428Fees	0.346%Above	191
6	Truist BankBank	Strong	Strong	Strong	Strong	$2,285Fees	0.142%Above	96
7	Pinnacle BankBank	Strong	Strong	Strong	Strong	$1,526Fees	0.104%Above	83
8	COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,178Fees	0.187%Above	62
9	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$2,041Fees	0.001%Below	31
10	First Citizens National BankBank	Strong	Strong	Sound	Strong	$1,226Fees	0.102%Below	29
11	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$980Fees	0.012%Above	28
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,203Fees	0.345%Above	707
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,689Fees	0.245%Above	572
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,448Fees	0.380%Above	397
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,042Fees	0.457%Above	374
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,277Fees	0.476%Above	154
17	Regions BankBank	Strong	Sound	Strong	Strong	$1,431Fees	0.490%Above	143
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,828Fees	0.001%Above	103
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,183Fees	0.473%Above	85
20	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,590Fees	0.418%Above	78
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,512Fees	0.094%Below	69
22	First Horizon BankBank	Strong	Sound	Strong	Strong	$1,287Fees	0.116%Above	55
23	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$73Fees	0.377%Above	45
24	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,269Fees	0.071%Above	43
25	Legends BankBank	Strong	Sound	Strong	Strong	$1,786Fees	0.338%Above	38
26	TENNESSEE VALLEY FCUCredit Union	Strong	Acceptable	Strong	Exceptional	$3,328Fees	0.205%Above	321
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,053Fees	0.351%Above	66
28	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,225Fees	0.376%Above	63
29	SmartBankBank	Strong	Sound	Sound	Strong	$1,187Fees	0.306%Above	63
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,343Fees	0.430%Above	54
31	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$3,150Fees	0.118%Above	44
32	Cadence BankBank	Strong	Sound	Strong	Sound	$2,185Fees	0.151%Above	39
33	Synovus BankBank	Strong	Sound	Strong	Sound	$2,884Fees	0.174%Above	23
34	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$5,200Fees	0.867%Above	230
35	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,692Fees	0.397%Above	148
36	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,610Fees	0.549%Above	141
37	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,356Fees	0.650%Above	100
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,307Fees	0.217%Above	54
39	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,755Fees	0.902%Above	40
40	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,144Fees	0.427%Above	35
41	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,132Fees	0.610%Above	33
42	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,598Fees	0.009%Above	27
43	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$3,459Fees	0.459%Above	24
44	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,820Fees	0.145%Above	21
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,450Fees	0.572%Above	120
46	Citizens Tri-County BankBank	Sound	Acceptable	Sound	Strong	$1,639Fees	0.167%Above	84
47	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,663Fees	0.285%Above	49
48	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,531Fees	0.623%Above	47
49	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,423Fees	0.341%Above	38
50	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,823Fees	0.457%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.