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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 Conventional Mortgage Bank Lenders in Chattanooga
Updated February 5, 2026
Market Overview
21
Total Lenders
7,242
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,285 | +0.142% | 96 | |
2 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991 | +0.241% | 351 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,041 | -0.001% | 31 | |
4 | First Citizens National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,226 | -0.102% | 29 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $980 | +0.012% | 28 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $1,303 | -0.228% | 16 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,828 | +0.001% | 103 | |
8 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,287 | +0.116% | 55 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,269 | +0.071% | 43 | |
10 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,526 | +0.104% | 83 | |
11 | Cadence Bank | Strong | Sound | Exceptional | Strong | Sound | $2,185 | +0.151% | 39 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,431 | +0.490% | 143 | |
13 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,150 | +0.118% | 44 | |
14 | Synovus Bank | Strong | Sound | Strong | Strong | Sound | $2,884 | +0.174% | 23 | |
15 | SmartBank | Strong | Sound | Sound | Sound | Strong | $1,187 | +0.306% | 63 | |
16 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,114 | +0.536% | 22 | |
17 | Legends Bank | Strong | Acceptable | Sound | Strong | Strong | $1,786 | +0.338% | 38 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,598 | +0.009% | 27 | |
19 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Sound | $4,875 | +0.220% | 19 | |
20 | Citizens Tri-County Bank | Sound | Acceptable | Sound | Sound | Strong | $1,639 | +0.167% | 84 | |
21 | SouthEast Bank | Sound | Mediocre | Acceptable | Acceptable | Strong | $2,127 | +1.307% | 27 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Chattanooga, TNConventional
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