Safe Rate Rankings

Best VA Mortgage Company 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 Lenders23

Total Loans7,242

Median Rate Spread0.35%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,289Fees	0.019%Below	284
2	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,118Fees	0.145%Above	233
3	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,689Fees	0.245%Above	572
4	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,448Fees	0.380%Above	397
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,428Fees	0.346%Above	191
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,183Fees	0.473%Above	85
7	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$4,590Fees	0.418%Above	78
8	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,512Fees	0.094%Below	69
9	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,225Fees	0.376%Above	63
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,203Fees	0.345%Above	707
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,277Fees	0.476%Above	154
12	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,663Fees	0.285%Above	49
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,042Fees	0.457%Above	374
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,692Fees	0.397%Above	148
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,053Fees	0.351%Above	66
16	COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$2,178Fees	0.187%Above	62
17	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,200Fees	0.867%Above	230
18	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Strong	Exceptional	Exceptional	$2,610Fees	0.549%Above	141
19	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,531Fees	0.623%Above	47
20	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,823Fees	0.457%Above	35
21	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,356Fees	0.650%Above	100
22	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,450Fees	0.572%Above	120
23	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$7,232Fees	1.754%Above	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)

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.