Top Mortgage Lenders in Chattanooga, TN

Which mortgage lender in the Chattanooga, TN area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Chattanooga, TN area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Chattanooga, TN area is Union Home Mortgage Company, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.20%. This means that Union Home Mortgage Company provided a -0.20% lower interest rate for its customers than other lenders in Chattanooga, TN for a similar set of borrowers. Union Home Mortgage Company has a market share of 0.3%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 9.9%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Chattanooga, TN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Chattanooga, TN is Bank of America. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is First Tennessee Bank National. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Union Home Mortgage Company. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Chattanooga, TN

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Union Home Mortgage Company 1, -0.20% 0.34%
Bank of America 2, -0.16% 1.02%
Land Home Financial Services Inc 3, -0.13% 0.60%
TJC Mortgage, Inc 4, -0.11% 2.77%
Amerisave Mortgage Corporation 5, -0.10% 0.49%
Mortgage Investors Group 6, -0.09% 4.48%
Independent Bank 7, -0.08% 1.07%
Truist Bank 8, -0.08% 0.68%
Navy Federal Credit Union 9, -0.08% 0.73%
Member First Mortgage 10, -0.07% 2.02%
Suntrust Banks, Inc 11, -0.07% 2.06%
Renasant Bank 12, -0.07% 1.16%
JPMorgan Chase Bank 13, -0.07% 1.10%
Sirva Mortgage Inc 14, -0.06% 0.35%
SmartBank 15, -0.06% 0.32%
Keller Mortgage 16, -0.06% 0.63%
Usaa Federal Savings Bank 17, -0.06% 1.49%
Wells Fargo Bank 18, -0.06% 1.74%
First Citizens National Bank 19, -0.05% 0.72%
First Tennessee Bank National 20, -0.05% 1.26%
Us Bank 21, -0.05% 0.33%
Movement Mortgage 22, -0.04% 8.23%
Newrez 23, -0.04% 0.34%
LoanDepot 24, -0.04% 1.82%
United Community Bank 25, -0.03% 0.33%
Wolfe Financial Inc DBA Integrity Mortgage Group 26, -0.03% 0.33%
Lakeview Loan Servicing 27, -0.02% 0.47%
Community Mortgage Corporation 28, -0.02% 0.91%
Pennymac Loan Services 29, -0.02% 0.95%
FirstBank 30, -0.02% 3.38%
Atlantic Bay Mortgage Group 31, -0.02% 0.58%
New American Funding 32, -0.02% 3.14%
CMG Mortgage Inc 33, -0.01% 2.03%
Citizens Bank 34, -0.01% 0.92%
Synovus Mortgage Corp 35, -0.01% 0.40%
Redstone Federal Credit Union 36, -0.00% 0.43%
Churchill Mortgage Corporation 37, 0.00% 0.80%
Caliber Home Loans Inc 38, 0.00% 5.66%
Fairway Independent Mort Corp 39, 0.00% 2.12%
Regions Bank 40, 0.01% 3.68%
Carrington Mortgage Services 41, 0.01% 0.65%
Freedom Mortgage Corporation 42, 0.02% 1.49%
Certainty Home Loans 43, 0.02% 0.38%
Atlantic Home Loans, Inc 44, 0.02% 0.36%
First Community Mortgage Inc 45, 0.02% 0.89%
Highlands Residential Mortgage Ltd 46, 0.03% 2.17%
Flagstar Bank 47, 0.03% 0.68%
Prosperity Home Mortgage 48, 0.03% 0.69%
Supreme Lending/ Everett Financial Inc 49, 0.03% 0.39%
Pinnacle Bank 50, 0.03% 2.92%
Tennessee Valley Federal Credit Union 51, 0.04% 4.94%
Bank of England 52, 0.05% 1.07%
Quicken Loans 53, 0.06% 9.91%
Guild Mortgage Company 54, 0.07% 0.41%
Primelending 55, 0.08% 4.01%
Citizens Tri County Bank 56, 0.10% 0.56%
Summit Funding Inc 57, 0.13% 0.91%
Nationstar Mortgage 58, 0.14% 1.10%
Primary Residential Mortgage Inc 59, 0.16% 0.82%
Cardinal Financial Company LP 60, 0.16% 2.71%
NewDay USA 61, 0.27% 0.45%
IServe Residential Lending 62, 0.35% 0.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Union Home Mortgage Company 1, -0.22% 0.46%
Bank of America 2, -0.15% 1.09%
Land Home Financial Services Inc 3, -0.14% 0.75%
Wells Fargo Bank 4, -0.14% 1.74%
Independent Bank 5, -0.09% 1.39%
Member First Mortgage 6, -0.09% 2.53%
TJC Mortgage, Inc 7, -0.08% 1.30%
Navy Federal Credit Union 8, -0.08% 0.95%
Mortgage Investors Group 9, -0.08% 6.27%
Regions Bank 10, -0.08% 3.26%
Truist Bank 11, -0.07% 0.61%
JPMorgan Chase Bank 12, -0.07% 0.98%
Sirva Mortgage Inc 13, -0.06% 0.54%
Keller Mortgage 14, -0.06% 0.95%
Renasant Bank 15, -0.06% 0.72%
Usaa Federal Savings Bank 16, -0.06% 1.91%
Suntrust Banks, Inc 17, -0.06% 1.76%
Us Bank 18, -0.06% 0.28%
First Citizens National Bank 19, -0.05% 0.83%
First Tennessee Bank National 20, -0.05% 1.45%
SmartBank 21, -0.05% 0.28%
Wolfe Financial Inc DBA Integrity Mortgage Group 22, -0.04% 0.40%
United Community Bank 23, -0.03% 0.37%
Community Mortgage Corporation 24, -0.03% 1.24%
Movement Mortgage 25, -0.02% 10.70%
Citizens Bank 26, -0.02% 0.77%
Pennymac Loan Services 27, -0.02% 0.32%
Atlantic Bay Mortgage Group 28, -0.02% 0.89%
Freedom Mortgage Corporation 29, -0.02% 0.90%
CMG Mortgage Inc 30, -0.01% 2.88%
FirstBank 31, -0.01% 3.67%
New American Funding 32, -0.01% 4.33%
Newrez 33, -0.01% 0.06%
LoanDepot 34, -0.00% 0.70%
Churchill Mortgage Corporation 35, -0.00% 0.93%
Synovus Mortgage Corp 36, 0.00% 0.46%
Amerisave Mortgage Corporation 37, 0.01% 0.03%
First Community Mortgage Inc 38, 0.01% 1.01%
Fairway Independent Mort Corp 39, 0.02% 2.79%
Citizens Tri County Bank 40, 0.02% 0.14%
IServe Residential Lending 41, 0.02% 0.03%
Atlantic Home Loans, Inc 42, 0.03% 0.43%
Highlands Residential Mortgage Ltd 43, 0.03% 2.68%
Flagstar Bank 44, 0.04% 0.75%
Supreme Lending/ Everett Financial Inc 45, 0.04% 0.46%
Prosperity Home Mortgage 46, 0.04% 0.95%
Caliber Home Loans Inc 47, 0.04% 6.40%
Certainty Home Loans 48, 0.04% 0.44%
Nationstar Mortgage 49, 0.05% 0.43%
Pinnacle Bank 50, 0.05% 3.28%
Carrington Mortgage Services 51, 0.05% 0.31%
NewDay USA 52, 0.06% 0.11%
Redstone Federal Credit Union 53, 0.07% 0.34%
Tennessee Valley Federal Credit Union 54, 0.08% 3.18%
Bank of England 55, 0.08% 1.30%
Guild Mortgage Company 56, 0.08% 0.49%
Primelending 57, 0.09% 5.22%
Quicken Loans 58, 0.10% 4.67%
Summit Funding Inc 59, 0.15% 1.15%
Primary Residential Mortgage Inc 60, 0.17% 1.15%
Cardinal Financial Company LP 61, 0.18% 3.63%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.17% 3.64%
Bank of America 2, -0.17% 0.88%
Mortgage Investors Group 3, -0.13% 1.14%
TJC Mortgage, Inc 4, -0.12% 5.49%
Amerisave Mortgage Corporation 5, -0.11% 1.34%
Truist Bank 6, -0.09% 0.80%
Caliber Home Loans Inc 7, -0.09% 4.30%
Suntrust Banks, Inc 8, -0.09% 2.62%
SmartBank 9, -0.08% 0.40%
Renasant Bank 10, -0.08% 1.99%
New American Funding 11, -0.08% 0.91%
Redstone Federal Credit Union 12, -0.08% 0.60%
First Tennessee Bank National 13, -0.07% 0.91%
Fairway Independent Mort Corp 14, -0.07% 0.88%
Land Home Financial Services Inc 15, -0.06% 0.31%
JPMorgan Chase Bank 16, -0.06% 1.34%
First Citizens National Bank 17, -0.06% 0.51%
Usaa Federal Savings Bank 18, -0.06% 0.71%
Prosperity Home Mortgage 19, -0.05% 0.20%
Newrez 20, -0.05% 0.85%
Us Bank 21, -0.05% 0.43%
LoanDepot 22, -0.05% 3.90%
Bank of England 23, -0.04% 0.65%
Certainty Home Loans 24, -0.04% 0.26%
United Community Bank 25, -0.04% 0.26%
FirstBank 26, -0.03% 2.85%
Independent Bank 27, -0.03% 0.48%
Navy Federal Credit Union 28, -0.03% 0.31%
Synovus Mortgage Corp 29, -0.02% 0.28%
Lakeview Loan Servicing 30, -0.02% 1.34%
CMG Mortgage Inc 31, -0.02% 0.46%
Pennymac Loan Services 32, -0.02% 2.11%
Union Home Mortgage Company 33, -0.02% 0.11%
Member First Mortgage 34, -0.02% 1.08%
Citizens Bank 35, -0.00% 1.20%
Carrington Mortgage Services 36, -0.00% 1.28%
Atlantic Home Loans, Inc 37, -0.00% 0.23%
Keller Mortgage 38, -0.00% 0.03%
Guild Mortgage Company 39, -0.00% 0.26%
Pinnacle Bank 40, -0.00% 2.25%
Highlands Residential Mortgage Ltd 41, 0.00% 1.22%
Community Mortgage Corporation 42, 0.00% 0.28%
Supreme Lending/ Everett Financial Inc 43, 0.01% 0.26%
Wolfe Financial Inc DBA Integrity Mortgage Group 44, 0.01% 0.20%
Flagstar Bank 45, 0.01% 0.54%
Tennessee Valley Federal Credit Union 46, 0.01% 8.20%
Churchill Mortgage Corporation 47, 0.01% 0.54%
Primary Residential Mortgage Inc 48, 0.01% 0.20%
Cardinal Financial Company LP 49, 0.03% 1.00%
Primelending 50, 0.03% 1.76%
Freedom Mortgage Corporation 51, 0.04% 2.59%
Quicken Loans 52, 0.05% 19.67%
First Community Mortgage Inc 53, 0.05% 0.65%
Summit Funding Inc 54, 0.07% 0.46%
Wells Fargo Bank 55, 0.09% 1.74%
Citizens Tri County Bank 56, 0.12% 1.34%
Regions Bank 57, 0.12% 4.47%
Nationstar Mortgage 58, 0.17% 2.36%
NewDay USA 59, 0.31% 1.08%
IServe Residential Lending 60, 0.36% 1.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.17% 1.35%
Amerisave Mortgage Corporation 2, -0.15% 0.50%
TJC Mortgage, Inc 3, -0.12% 2.63%
Land Home Financial Services Inc 4, -0.12% 0.44%
Independent Bank 5, -0.10% 0.90%
Sirva Mortgage Inc 6, -0.10% 0.35%
Truist Bank 7, -0.09% 0.88%
Mortgage Investors Group 8, -0.09% 4.12%
LoanDepot 9, -0.09% 1.34%
Renasant Bank 10, -0.08% 1.42%
Suntrust Banks, Inc 11, -0.08% 2.74%
JPMorgan Chase Bank 12, -0.07% 1.45%
Keller Mortgage 13, -0.07% 0.78%
Us Bank 14, -0.06% 0.40%
SmartBank 15, -0.06% 0.46%
Wells Fargo Bank 16, -0.06% 2.39%
First Tennessee Bank National 17, -0.06% 1.19%
Community Mortgage Corporation 18, -0.06% 0.73%
Newrez 19, -0.06% 0.29%
Union Home Mortgage Company 20, -0.06% 0.16%
First Citizens National Bank 21, -0.05% 0.90%
Wolfe Financial Inc DBA Integrity Mortgage Group 22, -0.05% 0.34%
Usaa Federal Savings Bank 23, -0.04% 1.13%
Movement Mortgage 24, -0.04% 9.16%
New American Funding 25, -0.04% 3.45%
Fairway Independent Mort Corp 26, -0.03% 1.81%
United Community Bank 27, -0.03% 0.38%
Freedom Mortgage Corporation 28, -0.02% 0.81%
CMG Mortgage Inc 29, -0.02% 1.95%
Caliber Home Loans Inc 30, -0.02% 4.04%
Prosperity Home Mortgage 31, -0.02% 0.60%
FirstBank 32, -0.01% 3.65%
Citizens Bank 33, -0.01% 1.19%
Synovus Mortgage Corp 34, -0.00% 0.50%
Atlantic Bay Mortgage Group 35, -0.00% 0.47%
Redstone Federal Credit Union 36, -0.00% 0.60%
Carrington Mortgage Services 37, 0.00% 0.16%
Atlantic Home Loans, Inc 38, 0.01% 0.31%
Regions Bank 39, 0.01% 4.92%
Member First Mortgage 40, 0.01% 1.73%
Bank of England 41, 0.02% 1.03%
Churchill Mortgage Corporation 42, 0.02% 0.79%
Supreme Lending/ Everett Financial Inc 43, 0.03% 0.40%
Pennymac Loan Services 44, 0.03% 0.54%
Pinnacle Bank 45, 0.03% 3.24%
Highlands Residential Mortgage Ltd 46, 0.03% 2.11%
Tennessee Valley Federal Credit Union 47, 0.04% 7.24%
Lakeview Loan Servicing 48, 0.05% 0.10%
Certainty Home Loans 49, 0.05% 0.40%
Flagstar Bank 50, 0.05% 0.51%
First Community Mortgage Inc 51, 0.05% 0.56%
Navy Federal Credit Union 52, 0.07% 0.41%
IServe Residential Lending 53, 0.08% 0.18%
Guild Mortgage Company 54, 0.09% 0.26%
Primelending 55, 0.09% 4.42%
Summit Funding Inc 56, 0.10% 0.56%
Citizens Tri County Bank 57, 0.10% 0.82%
Primary Residential Mortgage Inc 58, 0.11% 0.62%
Quicken Loans 59, 0.12% 9.76%
Cardinal Financial Company LP 60, 0.15% 2.66%
Nationstar Mortgage 61, 0.25% 0.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.17% 1.42%
Wells Fargo Bank 2, -0.15% 2.40%
Land Home Financial Services Inc 3, -0.14% 0.51%
Independent Bank 4, -0.13% 1.07%
Sirva Mortgage Inc 5, -0.10% 0.56%
TJC Mortgage, Inc 6, -0.09% 1.07%
Mortgage Investors Group 7, -0.08% 5.81%
Regions Bank 8, -0.08% 4.23%
Truist Bank 9, -0.08% 0.84%
JPMorgan Chase Bank 10, -0.08% 1.33%
Us Bank 11, -0.07% 0.33%
Renasant Bank 12, -0.07% 0.72%
Union Home Mortgage Company 13, -0.07% 0.19%
Community Mortgage Corporation 14, -0.07% 1.03%
Keller Mortgage 15, -0.07% 1.21%
Wolfe Financial Inc DBA Integrity Mortgage Group 16, -0.07% 0.40%
LoanDepot 17, -0.07% 0.47%
Suntrust Banks, Inc 18, -0.06% 2.40%
First Tennessee Bank National 19, -0.05% 1.33%
SmartBank 20, -0.05% 0.40%
First Citizens National Bank 21, -0.05% 1.03%
Usaa Federal Savings Bank 22, -0.04% 1.56%
New American Funding 23, -0.03% 4.97%
United Community Bank 24, -0.03% 0.40%
CMG Mortgage Inc 25, -0.02% 2.90%
Fairway Independent Mort Corp 26, -0.02% 2.26%
Citizens Bank 27, -0.02% 0.98%
Caliber Home Loans Inc 28, -0.02% 4.67%
Freedom Mortgage Corporation 29, -0.02% 0.51%
Prosperity Home Mortgage 30, -0.01% 0.82%
Atlantic Bay Mortgage Group 31, -0.00% 0.75%
Newrez 32, -0.00% 0.05%
Movement Mortgage 33, -0.00% 11.81%
FirstBank 34, 0.00% 3.57%
Synovus Mortgage Corp 35, 0.00% 0.56%
Pennymac Loan Services 36, 0.00% 0.21%
Amerisave Mortgage Corporation 37, 0.01% 0.02%
Atlantic Home Loans, Inc 38, 0.01% 0.37%
Member First Mortgage 39, 0.01% 2.12%
Citizens Tri County Bank 40, 0.01% 0.21%
Carrington Mortgage Services 41, 0.02% 0.05%
Churchill Mortgage Corporation 42, 0.02% 0.93%
Nationstar Mortgage 43, 0.02% 0.12%
IServe Residential Lending 44, 0.03% 0.02%
Supreme Lending/ Everett Financial Inc 45, 0.04% 0.49%
Bank of England 46, 0.04% 1.17%
Highlands Residential Mortgage Ltd 47, 0.04% 2.50%
First Community Mortgage Inc 48, 0.05% 0.51%
Pinnacle Bank 49, 0.05% 3.74%
Flagstar Bank 50, 0.07% 0.51%
Tennessee Valley Federal Credit Union 51, 0.08% 4.83%
Redstone Federal Credit Union 52, 0.08% 0.47%
Navy Federal Credit Union 53, 0.08% 0.56%
Guild Mortgage Company 54, 0.09% 0.37%
Certainty Home Loans 55, 0.10% 0.42%
Summit Funding Inc 56, 0.10% 0.58%
Primelending 57, 0.11% 5.77%
Primary Residential Mortgage Inc 58, 0.13% 0.84%
Quicken Loans 59, 0.13% 4.83%
Cardinal Financial Company LP 60, 0.16% 3.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.19% 4.66%
Bank of America 2, -0.17% 1.23%
Mortgage Investors Group 3, -0.16% 1.26%
Amerisave Mortgage Corporation 4, -0.15% 1.30%
TJC Mortgage, Inc 5, -0.13% 5.26%
Truist Bank 6, -0.11% 0.95%
New American Funding 7, -0.11% 0.87%
Suntrust Banks, Inc 8, -0.10% 3.32%
LoanDepot 9, -0.09% 2.81%
Land Home Financial Services Inc 10, -0.08% 0.32%
Renasant Bank 11, -0.08% 2.61%
Fairway Independent Mort Corp 12, -0.08% 1.03%
SmartBank 13, -0.08% 0.55%
Redstone Federal Credit Union 14, -0.07% 0.83%
First Tennessee Bank National 15, -0.07% 0.95%
JPMorgan Chase Bank 16, -0.07% 1.66%
First Citizens National Bank 17, -0.06% 0.67%
Newrez 18, -0.06% 0.71%
Prosperity Home Mortgage 19, -0.06% 0.24%
Us Bank 20, -0.05% 0.51%
Bank of England 21, -0.05% 0.79%
Certainty Home Loans 22, -0.04% 0.36%
United Community Bank 23, -0.04% 0.36%
Caliber Home Loans Inc 24, -0.04% 2.96%
FirstBank 25, -0.03% 3.79%
Independent Bank 26, -0.03% 0.59%
CMG Mortgage Inc 27, -0.03% 0.36%
Navy Federal Credit Union 28, -0.03% 0.16%
Freedom Mortgage Corporation 29, -0.03% 1.30%
Synovus Mortgage Corp 30, -0.02% 0.40%
Union Home Mortgage Company 31, -0.02% 0.12%
Usaa Federal Savings Bank 32, -0.02% 0.40%
Pinnacle Bank 33, -0.01% 2.41%
Citizens Bank 34, -0.00% 1.54%
Keller Mortgage 35, 0.00% 0.04%
Supreme Lending/ Everett Financial Inc 36, 0.00% 0.24%
Carrington Mortgage Services 37, 0.00% 0.36%
Highlands Residential Mortgage Ltd 38, 0.00% 1.46%
Atlantic Home Loans, Inc 39, 0.00% 0.20%
Cardinal Financial Company LP 40, 0.01% 0.79%
Guild Mortgage Company 41, 0.01% 0.08%
Community Mortgage Corporation 42, 0.01% 0.24%
Churchill Mortgage Corporation 43, 0.01% 0.55%
Wolfe Financial Inc DBA Integrity Mortgage Group 44, 0.01% 0.24%
Tennessee Valley Federal Credit Union 45, 0.01% 11.30%
Member First Mortgage 46, 0.01% 1.07%
Flagstar Bank 47, 0.02% 0.51%
Primary Residential Mortgage Inc 48, 0.02% 0.24%
Primelending 49, 0.04% 2.13%
Pennymac Loan Services 50, 0.04% 1.11%
Lakeview Loan Servicing 51, 0.05% 0.28%
First Community Mortgage Inc 52, 0.07% 0.63%
Summit Funding Inc 53, 0.09% 0.51%
IServe Residential Lending 54, 0.09% 0.43%
Wells Fargo Bank 55, 0.09% 2.37%
Quicken Loans 56, 0.11% 18.10%
Citizens Tri County Bank 57, 0.12% 1.86%
Regions Bank 58, 0.12% 6.09%
Nationstar Mortgage 59, 0.27% 1.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Union Home Mortgage Company 1, -0.26% 1.06%
Member First Mortgage 2, -0.22% 3.37%
Land Home Financial Services Inc 3, -0.14% 1.25%
TJC Mortgage, Inc 4, -0.10% 3.28%
Mortgage Investors Group 5, -0.10% 5.73%
First Citizens National Bank 6, -0.09% 0.37%
Movement Mortgage 7, -0.08% 6.70%
Regions Bank 8, -0.08% 1.02%
Quicken Loans 9, -0.08% 11.36%
Independent Bank 10, -0.06% 1.66%
Certainty Home Loans 11, -0.05% 0.51%
FirstBank 12, -0.04% 3.09%
Renasant Bank 13, -0.04% 0.42%
United Community Bank 14, -0.04% 0.32%
Newrez 15, -0.04% 0.42%
Atlantic Bay Mortgage Group 16, -0.04% 0.97%
Bank of America 17, -0.03% 0.23%
Suntrust Banks, Inc 18, -0.03% 0.51%
Churchill Mortgage Corporation 19, -0.03% 0.92%
Keller Mortgage 20, -0.03% 0.32%
Pennymac Loan Services 21, -0.03% 1.06%
Amerisave Mortgage Corporation 22, -0.03% 0.37%
Citizens Bank 23, -0.02% 0.32%
SmartBank 24, -0.02% 0.05%
Synovus Mortgage Corp 25, -0.02% 0.18%
Pinnacle Bank 26, -0.02% 0.92%
CMG Mortgage Inc 27, -0.02% 2.17%
Lakeview Loan Servicing 28, -0.01% 1.06%
Truist Bank 29, -0.01% 0.05%
Redstone Federal Credit Union 30, -0.01% 0.05%
Flagstar Bank 31, -0.00% 1.02%
First Community Mortgage Inc 32, -0.00% 1.99%
Sirva Mortgage Inc 33, 0.00% 0.05%
Carrington Mortgage Services 34, 0.01% 1.80%
Wolfe Financial Inc DBA Integrity Mortgage Group 35, 0.01% 0.32%
Freedom Mortgage Corporation 36, 0.01% 2.59%
JPMorgan Chase Bank 37, 0.02% 0.05%
Community Mortgage Corporation 38, 0.02% 1.43%
Highlands Residential Mortgage Ltd 39, 0.02% 2.86%
Supreme Lending/ Everett Financial Inc 40, 0.03% 0.28%
New American Funding 41, 0.03% 2.68%
NewDay USA 42, 0.03% 0.05%
Primelending 43, 0.03% 3.23%
Nationstar Mortgage 44, 0.04% 2.26%
Caliber Home Loans Inc 45, 0.04% 10.67%
Atlantic Home Loans, Inc 46, 0.05% 0.65%
LoanDepot 47, 0.05% 1.94%
Fairway Independent Mort Corp 48, 0.06% 3.23%
Guild Mortgage Company 49, 0.08% 0.74%
Prosperity Home Mortgage 50, 0.12% 1.06%
Bank of England 51, 0.17% 1.29%
Summit Funding Inc 52, 0.18% 2.12%
Cardinal Financial Company LP 53, 0.20% 3.70%
Primary Residential Mortgage Inc 54, 0.22% 1.71%
IServe Residential Lending 55, 0.41% 2.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Union Home Mortgage Company 1, -0.27% 1.38%
Member First Mortgage 2, -0.24% 3.96%
Land Home Financial Services Inc 3, -0.16% 1.57%
Mortgage Investors Group 4, -0.10% 7.60%
TJC Mortgage, Inc 5, -0.10% 1.70%
First Citizens National Bank 6, -0.09% 0.50%
Regions Bank 7, -0.09% 1.32%
Movement Mortgage 8, -0.09% 8.86%
Independent Bank 9, -0.07% 2.26%
Suntrust Banks, Inc 10, -0.07% 0.44%
Certainty Home Loans 11, -0.06% 0.69%
Pennymac Loan Services 12, -0.05% 0.50%
Churchill Mortgage Corporation 13, -0.05% 1.01%
FirstBank 14, -0.05% 4.02%
Renasant Bank 15, -0.05% 0.50%
Citizens Bank 16, -0.04% 0.31%
United Community Bank 17, -0.04% 0.44%
Atlantic Bay Mortgage Group 18, -0.04% 1.32%
Bank of America 19, -0.04% 0.31%
Keller Mortgage 20, -0.03% 0.44%
Pinnacle Bank 21, -0.02% 1.13%
SmartBank 22, -0.02% 0.06%
Synovus Mortgage Corp 23, -0.02% 0.25%
CMG Mortgage Inc 24, -0.02% 2.64%
Truist Bank 25, -0.02% 0.06%
Freedom Mortgage Corporation 26, -0.02% 1.63%
Newrez 27, -0.01% 0.06%
Redstone Federal Credit Union 28, -0.01% 0.06%
First Community Mortgage Inc 29, -0.01% 2.39%
Flagstar Bank 30, -0.01% 1.26%
Sirva Mortgage Inc 31, -0.00% 0.06%
Wolfe Financial Inc DBA Integrity Mortgage Group 32, 0.01% 0.44%
IServe Residential Lending 33, 0.01% 0.06%
Amerisave Mortgage Corporation 34, 0.01% 0.06%
Quicken Loans 35, 0.01% 4.40%
Highlands Residential Mortgage Ltd 36, 0.02% 3.71%
Community Mortgage Corporation 37, 0.02% 1.82%
Supreme Lending/ Everett Financial Inc 38, 0.03% 0.31%
Primelending 39, 0.03% 4.15%
New American Funding 40, 0.03% 3.08%
Atlantic Home Loans, Inc 41, 0.05% 0.75%
Nationstar Mortgage 42, 0.06% 1.26%
LoanDepot 43, 0.06% 1.19%
Fairway Independent Mort Corp 44, 0.06% 4.27%
Carrington Mortgage Services 45, 0.06% 0.82%
Caliber Home Loans Inc 46, 0.08% 11.75%
Guild Mortgage Company 47, 0.09% 0.82%
Prosperity Home Mortgage 48, 0.12% 1.38%
Bank of England 49, 0.18% 1.63%
Summit Funding Inc 50, 0.19% 2.76%
Cardinal Financial Company LP 51, 0.21% 4.33%
Primary Residential Mortgage Inc 52, 0.22% 2.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.11% 30.72%
Caliber Home Loans Inc 2, -0.10% 7.68%
TJC Mortgage, Inc 3, -0.09% 7.68%
Member First Mortgage 4, -0.09% 1.75%
Newrez 5, -0.03% 1.40%
Amerisave Mortgage Corporation 6, -0.02% 1.22%
Carrington Mortgage Services 7, -0.01% 4.54%
Pennymac Loan Services 8, -0.00% 2.62%
Lakeview Loan Servicing 9, -0.00% 4.01%
Union Home Mortgage Company 10, -0.00% 0.17%
CMG Mortgage Inc 11, 0.00% 0.87%
Atlantic Home Loans, Inc 12, 0.00% 0.35%
New American Funding 13, 0.00% 1.57%
Summit Funding Inc 14, 0.00% 0.35%
Primary Residential Mortgage Inc 15, 0.00% 0.17%
Renasant Bank 16, 0.00% 0.17%
Supreme Lending/ Everett Financial Inc 17, 0.01% 0.17%
Land Home Financial Services Inc 18, 0.01% 0.35%
Flagstar Bank 19, 0.01% 0.35%
Community Mortgage Corporation 20, 0.01% 0.35%
Bank of England 21, 0.01% 0.35%
Prosperity Home Mortgage 22, 0.01% 0.17%
Fairway Independent Mort Corp 23, 0.02% 0.35%
Pinnacle Bank 24, 0.02% 0.35%
Guild Mortgage Company 25, 0.02% 0.52%
Mortgage Investors Group 26, 0.02% 0.52%
Citizens Bank 27, 0.02% 0.35%
JPMorgan Chase Bank 28, 0.03% 0.17%
Suntrust Banks, Inc 29, 0.03% 0.70%
Churchill Mortgage Corporation 30, 0.03% 0.70%
Movement Mortgage 31, 0.03% 0.70%
Regions Bank 32, 0.03% 0.17%
Nationstar Mortgage 33, 0.04% 5.06%
First Community Mortgage Inc 34, 0.04% 0.87%
NewDay USA 35, 0.04% 0.17%
Freedom Mortgage Corporation 36, 0.05% 5.24%
FirstBank 37, 0.05% 0.52%
Highlands Residential Mortgage Ltd 38, 0.05% 0.52%
LoanDepot 39, 0.05% 4.01%
Primelending 40, 0.06% 0.70%
Cardinal Financial Company LP 41, 0.10% 1.92%
IServe Residential Lending 42, 0.43% 9.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.05% 26.74%
Bank of America 2, -0.03% 1.74%
Wells Fargo Bank 3, -0.02% 2.33%
Quicken Loans 4, -0.01% 4.07%
Guild Mortgage Company 5, -0.01% 0.58%
Navy Federal Credit Union 6, -0.01% 2.33%
Sirva Mortgage Inc 7, -0.01% 0.58%
Us Bank 8, -0.01% 2.91%
Regions Bank 9, -0.01% 4.07%
Highlands Residential Mortgage Ltd 10, -0.01% 1.16%
Suntrust Banks, Inc 11, -0.01% 2.91%
Supreme Lending/ Everett Financial Inc 12, -0.01% 0.58%
Fairway Independent Mort Corp 13, -0.01% 0.58%
JPMorgan Chase Bank 14, -0.01% 6.40%
Community Mortgage Corporation 15, -0.01% 1.16%
Truist Bank 16, -0.01% 2.91%
Renasant Bank 17, -0.01% 0.58%
TJC Mortgage, Inc 18, -0.01% 0.58%
FirstBank 19, -0.00% 1.74%
Cardinal Financial Company LP 20, -0.00% 0.58%
Caliber Home Loans Inc 21, -0.00% 0.58%
Mortgage Investors Group 22, 0.01% 2.33%
Tennessee Valley Federal Credit Union 23, 0.01% 1.74%
New American Funding 24, 0.01% 0.58%
Primelending 25, 0.01% 4.07%
Movement Mortgage 26, 0.01% 2.91%
Pinnacle Bank 27, 0.07% 23.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.05% 32.48%
Bank of America 2, -0.03% 2.56%
Wells Fargo Bank 3, -0.02% 2.56%
Tennessee Valley Federal Credit Union 4, -0.01% 0.85%
Quicken Loans 5, -0.01% 4.27%
Sirva Mortgage Inc 6, -0.01% 0.85%
Regions Bank 7, -0.01% 4.27%
Highlands Residential Mortgage Ltd 8, -0.01% 0.85%
Supreme Lending/ Everett Financial Inc 9, -0.01% 0.85%
Fairway Independent Mort Corp 10, -0.01% 0.85%
Us Bank 11, -0.01% 2.56%
Suntrust Banks, Inc 12, -0.01% 3.42%
JPMorgan Chase Bank 13, -0.01% 5.98%
Navy Federal Credit Union 14, -0.01% 1.71%
FirstBank 15, -0.00% 2.56%
Truist Bank 16, -0.00% 1.71%
Community Mortgage Corporation 17, 0.00% 0.85%
Mortgage Investors Group 18, 0.01% 1.71%
New American Funding 19, 0.01% 0.85%
Primelending 20, 0.01% 4.27%
Movement Mortgage 21, 0.01% 3.42%
Pinnacle Bank 22, 0.09% 20.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Tennessee Bank National 1, -0.06% 14.55%
Suntrust Banks, Inc 2, -0.02% 1.82%
Navy Federal Credit Union 3, -0.02% 3.64%
Us Bank 4, -0.02% 3.64%
Quicken Loans 5, -0.02% 3.64%
Guild Mortgage Company 6, -0.02% 1.82%
Community Mortgage Corporation 7, -0.02% 1.82%
Wells Fargo Bank 8, -0.02% 1.82%
Highlands Residential Mortgage Ltd 9, -0.02% 1.82%
Regions Bank 10, -0.01% 3.64%
Truist Bank 11, -0.01% 5.45%
JPMorgan Chase Bank 12, -0.01% 7.27%
Renasant Bank 13, -0.01% 1.82%
TJC Mortgage, Inc 14, -0.01% 1.82%
Cardinal Financial Company LP 15, -0.01% 1.82%
Caliber Home Loans Inc 16, -0.01% 1.82%
Movement Mortgage 17, 0.00% 1.82%
Primelending 18, 0.00% 3.64%
Mortgage Investors Group 19, 0.00% 3.64%
Tennessee Valley Federal Credit Union 20, 0.02% 3.64%
Pinnacle Bank 21, 0.05% 29.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 4.57%
Usaa Federal Savings Bank 2, -0.08% 8.14%
Pennymac Loan Services 3, -0.07% 3.90%
Lakeview Loan Servicing 4, -0.07% 1.90%
Movement Mortgage 5, -0.04% 5.91%
Atlantic Bay Mortgage Group 6, -0.04% 0.56%
Churchill Mortgage Corporation 7, -0.04% 0.67%
Member First Mortgage 8, -0.03% 1.34%
Regions Bank 9, -0.03% 0.67%
Mortgage Investors Group 10, -0.03% 4.57%
Renasant Bank 11, -0.03% 1.11%
Caliber Home Loans Inc 12, -0.03% 6.91%
Wells Fargo Bank 13, -0.03% 0.89%
TJC Mortgage, Inc 14, -0.03% 3.01%
FirstBank 15, -0.02% 2.34%
Prosperity Home Mortgage 16, -0.02% 0.56%
Keller Mortgage 17, -0.01% 0.33%
Pinnacle Bank 18, -0.01% 1.34%
LoanDepot 19, -0.01% 5.57%
Independent Bank 20, -0.01% 1.23%
Land Home Financial Services Inc 21, -0.01% 0.33%
Highlands Residential Mortgage Ltd 22, -0.01% 1.11%
Truist Bank 23, -0.01% 0.22%
Us Bank 24, -0.01% 0.11%
Atlantic Home Loans, Inc 25, -0.01% 0.11%
Redstone Federal Credit Union 26, -0.00% 0.11%
Citizens Bank 27, -0.00% 0.45%
Wolfe Financial Inc DBA Integrity Mortgage Group 28, -0.00% 0.33%
Guild Mortgage Company 29, -0.00% 0.67%
First Citizens National Bank 30, -0.00% 0.33%
Synovus Mortgage Corp 31, 0.00% 0.22%
Newrez 32, 0.00% 0.56%
Bank of America 33, 0.00% 0.22%
Suntrust Banks, Inc 34, 0.01% 0.45%
Sirva Mortgage Inc 35, 0.01% 1.00%
Bank of England 36, 0.01% 1.11%
First Community Mortgage Inc 37, 0.01% 0.89%
Amerisave Mortgage Corporation 38, 0.01% 0.78%
Community Mortgage Corporation 39, 0.02% 0.89%
Primary Residential Mortgage Inc 40, 0.02% 0.33%
Nationstar Mortgage 41, 0.02% 1.00%
Primelending 42, 0.02% 2.79%
Summit Funding Inc 43, 0.02% 0.78%
Flagstar Bank 44, 0.03% 1.23%
Supreme Lending/ Everett Financial Inc 45, 0.03% 0.56%
Cardinal Financial Company LP 46, 0.04% 1.11%
CMG Mortgage Inc 47, 0.04% 2.68%
Carrington Mortgage Services 48, 0.04% 1.67%
Fairway Independent Mort Corp 49, 0.05% 2.12%
New American Funding 50, 0.05% 2.34%
Quicken Loans 51, 0.07% 8.70%
Freedom Mortgage Corporation 52, 0.08% 4.35%
NewDay USA 53, 0.27% 4.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.19% 6.64%
Usaa Federal Savings Bank 2, -0.07% 10.70%
Churchill Mortgage Corporation 3, -0.03% 0.92%
Movement Mortgage 4, -0.03% 8.86%
TJC Mortgage, Inc 5, -0.03% 2.21%
Atlantic Bay Mortgage Group 6, -0.02% 0.92%
Member First Mortgage 7, -0.02% 2.03%
Renasant Bank 8, -0.02% 1.48%
Mortgage Investors Group 9, -0.02% 7.01%
Regions Bank 10, -0.02% 1.11%
Wells Fargo Bank 11, -0.01% 1.48%
FirstBank 12, -0.00% 3.69%
Freedom Mortgage Corporation 13, -0.00% 2.03%
Prosperity Home Mortgage 14, -0.00% 0.92%
Pennymac Loan Services 15, -0.00% 0.74%
Truist Bank 16, 0.00% 0.18%
Keller Mortgage 17, 0.00% 0.55%
Highlands Residential Mortgage Ltd 18, 0.00% 1.48%
Pinnacle Bank 19, 0.00% 2.21%
Suntrust Banks, Inc 20, 0.01% 0.18%
Independent Bank 21, 0.01% 1.66%
Land Home Financial Services Inc 22, 0.01% 0.37%
Us Bank 23, 0.01% 0.18%
Newrez 24, 0.01% 0.18%
Redstone Federal Credit Union 25, 0.01% 0.18%
Citizens Bank 26, 0.01% 0.55%
Wolfe Financial Inc DBA Integrity Mortgage Group 27, 0.01% 0.37%
First Citizens National Bank 28, 0.01% 0.37%
Synovus Mortgage Corp 29, 0.02% 0.37%
Bank of America 30, 0.02% 0.37%
Nationstar Mortgage 31, 0.02% 0.55%
Sirva Mortgage Inc 32, 0.02% 1.66%
First Community Mortgage Inc 33, 0.02% 1.11%
Bank of England 34, 0.02% 1.66%
Guild Mortgage Company 35, 0.03% 0.55%
LoanDepot 36, 0.03% 1.29%
Primary Residential Mortgage Inc 37, 0.03% 0.55%
Community Mortgage Corporation 38, 0.03% 1.29%
Primelending 39, 0.04% 4.24%
Summit Funding Inc 40, 0.04% 1.11%
Supreme Lending/ Everett Financial Inc 41, 0.04% 0.55%
Quicken Loans 42, 0.05% 4.24%
CMG Mortgage Inc 43, 0.06% 4.06%
Carrington Mortgage Services 44, 0.06% 0.92%
Flagstar Bank 45, 0.06% 1.29%
New American Funding 46, 0.07% 3.69%
Fairway Independent Mort Corp 47, 0.07% 2.95%
NewDay USA 48, 0.08% 1.29%
Cardinal Financial Company LP 49, 0.09% 1.29%
Caliber Home Loans Inc 50, 0.15% 5.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.22% 8.73%
Usaa Federal Savings Bank 2, -0.11% 4.23%
Pennymac Loan Services 3, -0.10% 8.73%
Lakeview Loan Servicing 4, -0.09% 4.79%
Movement Mortgage 5, -0.08% 1.41%
Cardinal Financial Company LP 6, -0.06% 0.85%
Navy Federal Credit Union 7, -0.06% 1.41%
Guild Mortgage Company 8, -0.04% 0.85%
Primelending 9, -0.04% 0.56%
Independent Bank 10, -0.04% 0.56%
LoanDepot 11, -0.04% 12.11%
Land Home Financial Services Inc 12, -0.04% 0.28%
TJC Mortgage, Inc 13, -0.03% 4.23%
Flagstar Bank 14, -0.03% 1.13%
Renasant Bank 15, -0.03% 0.56%
Wolfe Financial Inc DBA Integrity Mortgage Group 16, -0.03% 0.28%
First Citizens National Bank 17, -0.03% 0.28%
Atlantic Home Loans, Inc 18, -0.03% 0.28%
Summit Funding Inc 19, -0.03% 0.28%
Community Mortgage Corporation 20, -0.03% 0.28%
Citizens Bank 21, -0.03% 0.28%
CMG Mortgage Inc 22, -0.03% 0.56%
FirstBank 23, -0.03% 0.28%
Member First Mortgage 24, -0.03% 0.28%
Truist Bank 25, -0.02% 0.28%
Highlands Residential Mortgage Ltd 26, -0.02% 0.56%
Newrez 27, -0.02% 1.13%
Churchill Mortgage Corporation 28, -0.02% 0.28%
Bank of England 29, -0.02% 0.28%
First Community Mortgage Inc 30, -0.01% 0.56%
Suntrust Banks, Inc 31, -0.01% 0.85%
New American Funding 32, -0.01% 0.28%
Amerisave Mortgage Corporation 33, -0.01% 1.97%
Fairway Independent Mort Corp 34, -0.01% 0.85%
Mortgage Investors Group 35, -0.00% 0.85%
Nationstar Mortgage 36, 0.00% 1.69%
Supreme Lending/ Everett Financial Inc 37, 0.01% 0.56%
Carrington Mortgage Services 38, 0.02% 2.82%
Quicken Loans 39, 0.06% 15.49%
Freedom Mortgage Corporation 40, 0.10% 7.89%
NewDay USA 41, 0.29% 10.42%

* Data is compiled for the Chattanooga, TN commuting zone area, which comprises of counties of Jackson County, AL, Catoosa County, GA, Dade County, GA, Walker County, GA, Bledsoe County, TN, Grundy County, TN, Hamilton County, TN, Marion County, TN, Rhea County, TN, and Sequatchie County, TN. This includes cities/towns/communities of Chattanooga, TN as well as Collegedale, TN, Ringgold, GA, Fort Oglethorpe, GA, East Ridge, TN, Soddy-Daisy, TN, Middle Valley, TN, Red Bank, TN, Lakesite, TN, Fairmount, TN, Chickamauga, GA, Scottsboro, AL, Dayton, TN, LaFayette, GA, Jasper, TN, Harrison, TN, Indian Springs, GA, Spring City, TN, Signal Mountain, TN, Lakeview, GA, Dunlap, TN, Sale Creek, TN, Trenton, GA, Whitwell, TN, Tracy City, TN, Section, AL, Falling Water, TN, Lookout Mountain, GA, South Pittsburg, TN, Lone Oak, TN, Chattanooga Valley, GA, Gruetli-Laager, TN, Graysville, TN, Fairview, GA, Lookout Mountain, TN, Powells Crossroads, TN, Pikeville, TN, Altamont, TN, Monteagle, TN, Stevenson, AL, Mowbray Mountain, TN, Rossville, GA, Hollywood, AL, Pisgah, AL, Woodville, AL, Skyline, AL, Monteagle, TN, and Bridgeport, AL. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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