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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 Company Lenders in Chattanooga
Updated February 5, 2026
Market Overview
42
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 | Sound | Exceptional | Strong | Exceptional | $2,428 | +0.346% | 191 | |
2 | SIRVA MORTGAGE, INC. | Exceptional | Exceptional | Strong | Sound | Sound | -$4 | +0.097% | 17 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,203 | +0.345% | 707 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,289 | -0.019% | 284 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,277 | +0.476% | 154 | |
6 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,178 | +0.187% | 62 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689 | +0.245% | 572 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,448 | +0.380% | 397 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,042 | +0.457% | 374 | |
10 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,118 | +0.145% | 233 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,512 | -0.094% | 69 | |
12 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Strong | $73 | +0.377% | 45 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $3,459 | +0.459% | 24 | |
14 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,314 | +0.458% | 142 | |
15 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,356 | +0.650% | 100 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.473% | 85 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $4,590 | +0.418% | 78 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,053 | +0.351% | 66 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,225 | +0.376% | 63 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,307 | +0.217% | 54 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,343 | +0.430% | 54 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,132 | +0.610% | 33 | |
23 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,200 | +0.867% | 230 | |
24 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,610 | +0.549% | 141 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,450 | +0.572% | 120 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,663 | +0.285% | 49 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,531 | +0.623% | 47 | |
28 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,823 | +0.457% | 35 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,144 | +0.427% | 35 | |
30 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,820 | +0.145% | 21 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,692 | +0.397% | 148 | |
32 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,423 | +0.341% | 38 | |
33 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,755 | +0.902% | 40 | |
34 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,156 | +0.385% | 34 | |
35 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,961 | +0.410% | 17 | |
36 | TJC Mortgage, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,707 | +0.412% | 78 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,053 | +0.282% | 26 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $3,471 | +0.529% | 18 | |
39 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $4,686 | +0.546% | 16 | |
40 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $4,223 | +0.673% | 22 | |
41 | GUARANTY MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Sound | $2,823 | +0.492% | 16 |
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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