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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 Mortgage Company Lenders in Chattanooga
Updated February 5, 2026
Market Overview
38
Total Lenders
5,375
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,289 | -0.019% | 284 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Exceptional | $3,118 | +0.145% | 233 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,428 | +0.346% | 191 | |
4 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,178 | +0.187% | 62 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,203 | +0.345% | 707 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,689 | +0.245% | 572 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,448 | +0.380% | 397 | |
8 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $4,042 | +0.457% | 374 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,277 | +0.476% | 154 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,183 | +0.473% | 85 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $4,590 | +0.418% | 78 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,512 | -0.094% | 69 | |
13 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | $73 | +0.377% | 45 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,053 | +0.351% | 66 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,225 | +0.376% | 63 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,343 | +0.430% | 54 | |
17 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,200 | +0.867% | 230 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,692 | +0.397% | 148 | |
19 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $2,610 | +0.549% | 141 | |
20 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $4,356 | +0.650% | 100 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,307 | +0.217% | 54 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,755 | +0.902% | 40 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,144 | +0.427% | 35 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,132 | +0.610% | 33 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $3,459 | +0.459% | 24 | |
26 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,820 | +0.145% | 21 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,450 | +0.572% | 120 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,663 | +0.285% | 49 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,531 | +0.623% | 47 | |
30 | CANOPY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,423 | +0.341% | 38 | |
31 | STOCKTON MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $3,823 | +0.457% | 35 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $3,314 | +0.458% | 142 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,053 | +0.282% | 26 | |
34 | TJC Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $4,707 | +0.412% | 78 | |
35 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $3,156 | +0.385% | 34 | |
36 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $4,223 | +0.673% | 22 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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