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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,428 | +0.346% | 191 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,289 | -0.019% | 284 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,590 | +0.418% | 78 | |
4 | Legends Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,786 | +0.338% | 38 | |
5 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991 | +0.241% | 351 | |
6 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,118 | +0.145% | 233 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,512 | -0.094% | 69 | |
8 | SmartBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,187 | +0.306% | 63 | |
9 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,185 | +0.151% | 39 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,203 | +0.345% | 707 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,042 | +0.457% | 374 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,277 | +0.476% | 154 | |
13 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $2,285 | +0.142% | 96 | |
14 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,178 | +0.187% | 62 | |
15 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $3,150 | +0.118% | 44 | |
16 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,820 | +0.145% | 21 | |
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 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,431 | +0.490% | 143 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,225 | +0.376% | 63 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,343 | +0.430% | 54 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,663 | +0.285% | 49 | |
23 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,200 | +0.867% | 230 | |
24 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,610 | +0.549% | 141 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.473% | 85 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,053 | +0.351% | 66 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,755 | +0.902% | 40 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,144 | +0.427% | 35 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,132 | +0.610% | 33 | |
30 | United Community Bank | Strong | Sound | Strong | Strong | Sound | $2,114 | +0.536% | 22 | |
31 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,314 | +0.458% | 142 | |
32 | TJC Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,707 | +0.412% | 78 | |
33 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,423 | +0.341% | 38 | |
34 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,823 | +0.457% | 35 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,961 | +0.410% | 17 | |
36 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,356 | +0.650% | 100 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,307 | +0.217% | 54 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,053 | +0.282% | 26 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $3,459 | +0.459% | 24 | |
40 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,223 | +0.673% | 22 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,450 | +0.572% | 120 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,531 | +0.623% | 47 | |
43 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Strong | Strong | Sound | $7,788 | +0.765% | 19 |
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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