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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 Lenders in Chattanooga

Updated February 5, 2026

Market Overview

Total Lenders

7,242

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$464	-0.456%	64
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$2,285	+0.142%	96
3	FirstBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,991	+0.241%	351
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,428	+0.346%	191
5	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,041	-0.001%	31
6	First Citizens National Bank	Exceptional	Strong	Strong	Strong	Strong	$1,226	-0.102%	29
7	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$980	+0.012%	28
8	SIRVA MORTGAGE, INC.	Exceptional	Exceptional	Strong	Sound	Sound	-$4	+0.097%	17
9	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$1,303	-0.228%	16
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,203	+0.345%	707
11	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,289	-0.019%	284
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,277	+0.476%	154
13	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,828	+0.001%	103
14	COMMUNITY MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Strong	$2,178	+0.187%	62
15	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$1,287	+0.116%	55
16	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,269	+0.071%	43
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,689	+0.245%	572
18	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,448	+0.380%	397
19	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,042	+0.457%	374
20	MORTGAGE INVESTORS GROUP, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,118	+0.145%	233
21	Pinnacle Bank	Strong	Sound	Strong	Strong	Strong	$1,526	+0.104%	83
22	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,512	-0.094%	69
23	Capital City Home Loans, LLC	Strong	Sound	Strong	Strong	Strong	$73	+0.377%	45
24	Cadence Bank	Strong	Sound	Exceptional	Strong	Sound	$2,185	+0.151%	39
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$3,459	+0.459%	24
26	TENNESSEE VALLEY FCU	Strong	Acceptable	Strong	Strong	Exceptional	$3,328	+0.205%	321
27	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,431	+0.490%	143
28	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$3,314	+0.458%	142
29	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,356	+0.650%	100
30	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,183	+0.473%	85
31	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$4,590	+0.418%	78
32	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,053	+0.351%	66
33	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$4,225	+0.376%	63
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,307	+0.217%	54
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,343	+0.430%	54
36	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,150	+0.118%	44
37	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,132	+0.610%	33
38	Synovus Bank	Strong	Sound	Strong	Strong	Sound	$2,884	+0.174%	23
39	SUMMIT FUNDING, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,200	+0.867%	230
40	ALAMEDA MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,610	+0.549%	141
41	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,450	+0.572%	120
42	SmartBank	Strong	Sound	Sound	Sound	Strong	$1,187	+0.306%	63
43	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,663	+0.285%	49
44	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,531	+0.623%	47
45	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,823	+0.457%	35
46	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,144	+0.427%	35
47	United Community Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,114	+0.536%	22
48	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,820	+0.145%	21
49	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,692	+0.397%	148
50	Legends Bank	Strong	Acceptable	Sound	Strong	Strong	$1,786	+0.338%	38

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.

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Chattanooga, TNConventional

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