Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders21

Total Loans7,242

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,285Fees	0.142%Above	96
2	FirstBankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,991Fees	0.241%Above	351
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,041Fees	0.001%Below	31
4	First Citizens National BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,226Fees	0.102%Below	29
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$980Fees	0.012%Above	28
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,303Fees	0.228%Below	16
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,828Fees	0.001%Above	103
8	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,287Fees	0.116%Above	55
9	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,269Fees	0.071%Above	43
10	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$1,526Fees	0.104%Above	83
11	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,185Fees	0.151%Above	39
12	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,431Fees	0.490%Above	143
13	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,150Fees	0.118%Above	44
14	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$2,884Fees	0.174%Above	23
15	SmartBankBank	Strong	Sound	Sound	Sound	Strong	$1,187Fees	0.306%Above	63
16	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,114Fees	0.536%Above	22
17	Legends BankBank	Strong	Acceptable	Sound	Strong	Strong	$1,786Fees	0.338%Above	38
18	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,598Fees	0.009%Above	27
19	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Sound	$4,875Fees	0.220%Above	19
20	Citizens Tri-County BankBank	Sound	Acceptable	Sound	Sound	Strong	$1,639Fees	0.167%Above	84
21	SouthEast BankBank	Sound	Mediocre	Acceptable	Acceptable	Strong	$2,127Fees	1.307%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.