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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,289 | -0.019% | 284 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,118 | +0.145% | 233 | |
3 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,991 | +0.241% | 351 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $464 | -0.456% | 64 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,689 | +0.245% | 572 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,448 | +0.380% | 397 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,428 | +0.346% | 191 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,183 | +0.473% | 85 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,590 | +0.418% | 78 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,512 | -0.094% | 69 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,225 | +0.376% | 63 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,203 | +0.345% | 707 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,277 | +0.476% | 154 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,663 | +0.285% | 49 | |
15 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,598 | +0.009% | 27 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,042 | +0.457% | 374 | |
17 | First Citizens National Bank | Strong | Strong | Sound | Sound | Strong | $1,226 | -0.102% | 29 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,692 | +0.397% | 148 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,053 | +0.351% | 66 | |
20 | COMMUNITY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Strong | $2,178 | +0.187% | 62 | |
21 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,200 | +0.867% | 230 | |
22 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,610 | +0.549% | 141 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,531 | +0.623% | 47 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,823 | +0.457% | 35 | |
25 | TENNESSEE VALLEY FCU | Strong | Acceptable | Acceptable | Strong | Exceptional | $3,328 | +0.205% | 321 | |
26 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,356 | +0.650% | 100 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,450 | +0.572% | 120 | |
28 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $7,232 | +1.754% | 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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