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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Chattanooga, TN area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Chattanooga, TN area in terms of interest rate is Union Home Mortgage, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, Union Home Mortgage provided a -0.20% lower interest rate for its customers than other lenders in the area. Union Home Mortgage has a market share of 0.3%. On the other hand, the most popular lender in the Chattanooga, TN area is Quicken Loans, with a larger market share of 10.0%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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 $548,250 in 2021), the cheapest Jumbo mortgage provider is First Horizon Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Union Home Mortgage. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Chattanooga, TN

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Union Home Mortgage-0.20%(4.5)0.34%
Bank of America-0.16%(4.5)1.03%
Land Home Financial Services-0.13%(4.0)0.61%
MortgageRight-0.11%(4.0)2.81%
Amerisave Mortgage Corporation-0.10%(4.0)0.49%
Mortgage Investors Group-0.09%(4.0)4.54%
Navy Federal Credit Union-0.09%(4.0)0.70%
Independent Bank Tennessee-0.08%(4.0)1.09%
Truist Bank-0.08%(4.0)0.69%
Member First Mortgage-0.07%(4.0)2.05%
SunTrust Bank-0.07%(4.0)2.09%
Renasant Bank-0.07%(4.0)1.18%
JPMorgan Chase Bank-0.07%(4.0)1.11%
Sirva Mortgage-0.06%(4.0)0.35%
SmartBank-0.06%(4.0)0.32%
Keller Mortgage-0.06%(4.0)0.64%
USAA-0.06%(4.0)1.51%
Wells Fargo Bank-0.06%(4.0)1.77%
First Citizens National Bank-0.05%(4.0)0.73%
US Bank-0.05%(4.0)0.33%
First Horizon Bank-0.05%(4.0)1.28%
Movement Mortgage-0.05%(3.5)8.34%
NewRez-0.04%(3.5)0.34%
loanDepot-0.03%(3.5)1.84%
United Community Bank-0.03%(3.5)0.33%
Integrity Mortgage Group-0.03%(3.5)0.33%
Lakeview Loan Servicing-0.02%(3.5)0.47%
Community Mortgage Corporation-0.02%(3.5)0.92%
PennyMac Loan Services-0.02%(3.5)0.96%
Atlantic Bay Mortgage Group-0.02%(3.5)0.59%
FirstBank TN-0.02%(3.5)3.43%
New American Funding-0.02%(3.5)3.18%
CMG Financial-0.01%(3.5)2.06%
Redstone Federal Credit Union-0.00%(3.5)0.43%
Churchill Mortgage0.00%(3.5)0.81%
Caliber Home Loans0.00%(3.5)5.74%
Fairway Independent Mortgage Corporation0.00%(3.5)2.15%
Regions Bank0.01%(3.5)3.74%
Carrington Mortgage Services0.01%(3.5)0.66%
Freedom Mortgage Corporation0.02%(3.5)1.51%
Certainty Home Loans0.02%(3.5)0.38%
Atlantic Home Loans0.02%(3.5)0.36%
First Community Mortgage0.02%(3.5)0.90%
Flagstar Bank0.03%(3.5)0.69%
Highlands Residential Mortgage Ltd0.03%(3.5)2.20%
Prosperity Home Mortgage LLC0.03%(3.5)0.70%
Supreme Lending0.03%(3.5)0.39%
Pinnacle Financial Partners0.04%(3.5)2.96%
Tennessee Valley Federal Credit Union0.04%(3.5)5.01%
Bank of England AR0.05%(3.0)1.09%
Quicken Loans0.06%(3.0)10.03%
Guild Mortgage Company0.07%(3.0)0.41%
PrimeLending0.08%(3.0)4.07%
Citizens Tri County Bank0.10%(3.0)0.57%
Summit Funding Inc0.13%(3.0)0.92%
Mr. Cooper0.14%(3.0)1.12%
Primary Residential Mortgage Inc0.16%(2.5)0.83%
Cardinal Financial Company0.16%(2.5)2.75%
NewDay USA0.27%(2.0)0.45%
iServe Residential Lending0.35%(1.5)0.68%
Lender NameRate DifferenceRate RatingMarket Share
Union Home Mortgage-0.22%(4.5)0.47%
Bank of America-0.15%(4.5)1.10%
Land Home Financial Services-0.14%(4.0)0.76%
Wells Fargo Bank-0.14%(4.0)1.77%
Navy Federal Credit Union-0.09%(4.0)0.93%
Independent Bank Tennessee-0.09%(4.0)1.41%
Member First Mortgage-0.09%(4.0)2.56%
MortgageRight-0.08%(4.0)1.32%
Mortgage Investors Group-0.08%(4.0)6.36%
Regions Bank-0.08%(4.0)3.30%
Truist Bank-0.07%(4.0)0.62%
JPMorgan Chase Bank-0.07%(4.0)0.99%
Sirva Mortgage-0.06%(4.0)0.54%
Keller Mortgage-0.06%(4.0)0.96%
Renasant Bank-0.06%(4.0)0.73%
USAA-0.06%(4.0)1.94%
SunTrust Bank-0.06%(4.0)1.78%
US Bank-0.06%(4.0)0.28%
First Citizens National Bank-0.05%(4.0)0.84%
First Horizon Bank-0.05%(3.5)1.47%
SmartBank-0.05%(3.5)0.28%
Integrity Mortgage Group-0.04%(3.5)0.40%
United Community Bank-0.03%(3.5)0.37%
Community Mortgage Corporation-0.03%(3.5)1.26%
Movement Mortgage-0.02%(3.5)10.82%
PennyMac Loan Services-0.02%(3.5)0.33%
Atlantic Bay Mortgage Group-0.02%(3.5)0.90%
Freedom Mortgage Corporation-0.02%(3.5)0.91%
CMG Financial-0.01%(3.5)2.91%
FirstBank TN-0.01%(3.5)3.72%
New American Funding-0.01%(3.5)4.39%
NewRez-0.01%(3.5)0.06%
loanDepot-0.00%(3.5)0.71%
Churchill Mortgage-0.00%(3.5)0.95%
Amerisave Mortgage Corporation0.01%(3.5)0.03%
First Community Mortgage0.01%(3.5)1.02%
Fairway Independent Mortgage Corporation0.02%(3.5)2.82%
Citizens Tri County Bank0.02%(3.5)0.14%
iServe Residential Lending0.02%(3.5)0.03%
Atlantic Home Loans0.03%(3.5)0.43%
Highlands Residential Mortgage Ltd0.03%(3.5)2.71%
Flagstar Bank0.04%(3.5)0.76%
Supreme Lending0.04%(3.5)0.47%
Prosperity Home Mortgage LLC0.04%(3.5)0.96%
Caliber Home Loans0.04%(3.5)6.48%
Certainty Home Loans0.04%(3.5)0.45%
Mr. Cooper0.04%(3.5)0.43%
Pinnacle Financial Partners0.05%(3.5)3.32%
Carrington Mortgage Services0.05%(3.0)0.31%
NewDay USA0.06%(3.0)0.11%
Redstone Federal Credit Union0.07%(3.0)0.34%
Tennessee Valley Federal Credit Union0.08%(3.0)3.22%
Bank of England AR0.08%(3.0)1.32%
Guild Mortgage Company0.08%(3.0)0.50%
PrimeLending0.09%(3.0)5.29%
Quicken Loans0.10%(3.0)4.73%
Summit Funding Inc0.14%(3.0)1.16%
Primary Residential Mortgage Inc0.17%(2.5)1.16%
Cardinal Financial Company0.18%(2.5)3.67%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.17%(4.5)3.71%
Bank of America-0.17%(4.5)0.90%
Mortgage Investors Group-0.13%(4.0)1.16%
MortgageRight-0.12%(4.0)5.59%
Amerisave Mortgage Corporation-0.11%(4.0)1.36%
Truist Bank-0.09%(4.0)0.81%
Caliber Home Loans-0.09%(4.0)4.34%
SunTrust Bank-0.09%(4.0)2.66%
SmartBank-0.08%(4.0)0.41%
Renasant Bank-0.08%(4.0)2.03%
New American Funding-0.08%(4.0)0.93%
Redstone Federal Credit Union-0.08%(4.0)0.61%
First Horizon Bank-0.07%(4.0)0.93%
Fairway Independent Mortgage Corporation-0.07%(4.0)0.90%
Land Home Financial Services-0.06%(4.0)0.32%
First Citizens National Bank-0.06%(4.0)0.52%
JPMorgan Chase Bank-0.06%(4.0)1.33%
USAA-0.06%(4.0)0.72%
Prosperity Home Mortgage LLC-0.05%(4.0)0.20%
NewRez-0.05%(3.5)0.87%
US Bank-0.05%(3.5)0.43%
Bank of England AR-0.04%(3.5)0.67%
Certainty Home Loans-0.04%(3.5)0.26%
loanDepot-0.04%(3.5)3.94%
United Community Bank-0.04%(3.5)0.26%
FirstBank TN-0.03%(3.5)2.90%
Independent Bank Tennessee-0.03%(3.5)0.49%
Navy Federal Credit Union-0.03%(3.5)0.26%
Lakeview Loan Servicing-0.02%(3.5)1.36%
CMG Financial-0.02%(3.5)0.46%
Union Home Mortgage-0.02%(3.5)0.12%
Member First Mortgage-0.02%(3.5)1.10%
PennyMac Loan Services-0.02%(3.5)2.14%
Atlantic Home Loans-0.00%(3.5)0.23%
Carrington Mortgage Services-0.00%(3.5)1.30%
Keller Mortgage-0.00%(3.5)0.03%
Guild Mortgage Company-0.00%(3.5)0.26%
Pinnacle Financial Partners-0.00%(3.5)2.29%
Highlands Residential Mortgage Ltd0.00%(3.5)1.25%
Community Mortgage Corporation0.00%(3.5)0.29%
Supreme Lending0.01%(3.5)0.26%
Integrity Mortgage Group0.01%(3.5)0.20%
Flagstar Bank0.01%(3.5)0.55%
Tennessee Valley Federal Credit Union0.01%(3.5)8.34%
Churchill Mortgage0.01%(3.5)0.55%
Primary Residential Mortgage Inc0.01%(3.5)0.20%
Cardinal Financial Company0.03%(3.5)1.01%
PrimeLending0.03%(3.5)1.80%
Freedom Mortgage Corporation0.04%(3.5)2.64%
Quicken Loans0.05%(3.5)19.92%
First Community Mortgage0.05%(3.0)0.67%
Summit Funding Inc0.07%(3.0)0.46%
Wells Fargo Bank0.09%(3.0)1.77%
Citizens Tri County Bank0.12%(3.0)1.36%
Regions Bank0.12%(3.0)4.55%
Mr. Cooper0.17%(2.5)2.40%
NewDay USA0.31%(2.0)1.10%
iServe Residential Lending0.36%(1.5)1.88%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.17%(4.5)1.37%
Amerisave Mortgage Corporation-0.15%(4.0)0.51%
MortgageRight-0.12%(4.0)2.68%
Land Home Financial Services-0.12%(4.0)0.45%
Independent Bank Tennessee-0.10%(4.0)0.91%
Sirva Mortgage-0.10%(4.0)0.36%
Mortgage Investors Group-0.09%(4.0)4.20%
Truist Bank-0.09%(4.0)0.90%
loanDepot-0.09%(4.0)1.36%
Renasant Bank-0.08%(4.0)1.45%
SunTrust Bank-0.08%(4.0)2.79%
JPMorgan Chase Bank-0.07%(4.0)1.46%
Keller Mortgage-0.07%(4.0)0.79%
US Bank-0.06%(4.0)0.40%
SmartBank-0.06%(4.0)0.46%
Wells Fargo Bank-0.06%(4.0)2.44%
Community Mortgage Corporation-0.06%(4.0)0.75%
NewRez-0.06%(4.0)0.30%
Union Home Mortgage-0.06%(4.0)0.16%
First Horizon Bank-0.06%(4.0)1.21%
First Citizens National Bank-0.05%(4.0)0.91%
Integrity Mortgage Group-0.05%(3.5)0.34%
Movement Mortgage-0.04%(3.5)9.31%
USAA-0.04%(3.5)1.15%
New American Funding-0.04%(3.5)3.51%
Fairway Independent Mortgage Corporation-0.03%(3.5)1.84%
United Community Bank-0.03%(3.5)0.39%
Freedom Mortgage Corporation-0.03%(3.5)0.82%
CMG Financial-0.02%(3.5)1.99%
Caliber Home Loans-0.02%(3.5)4.11%
Prosperity Home Mortgage LLC-0.02%(3.5)0.61%
FirstBank TN-0.01%(3.5)3.72%
Atlantic Bay Mortgage Group-0.00%(3.5)0.48%
Redstone Federal Credit Union-0.00%(3.5)0.61%
Carrington Mortgage Services0.00%(3.5)0.16%
Atlantic Home Loans0.01%(3.5)0.31%
Regions Bank0.01%(3.5)5.01%
Member First Mortgage0.01%(3.5)1.76%
Bank of England AR0.02%(3.5)1.05%
Churchill Mortgage0.02%(3.5)0.81%
Supreme Lending0.03%(3.5)0.40%
PennyMac Loan Services0.03%(3.5)0.55%
Highlands Residential Mortgage Ltd0.03%(3.5)2.15%
Pinnacle Financial Partners0.03%(3.5)3.30%
Tennessee Valley Federal Credit Union0.04%(3.5)7.37%
Lakeview Loan Servicing0.05%(3.5)0.10%
Certainty Home Loans0.05%(3.5)0.40%
Flagstar Bank0.05%(3.5)0.52%
First Community Mortgage0.05%(3.0)0.57%
Navy Federal Credit Union0.06%(3.0)0.37%
iServe Residential Lending0.08%(3.0)0.18%
Guild Mortgage Company0.09%(3.0)0.27%
PrimeLending0.09%(3.0)4.50%
Summit Funding Inc0.10%(3.0)0.57%
Citizens Tri County Bank0.10%(3.0)0.84%
Primary Residential Mortgage Inc0.11%(3.0)0.63%
Quicken Loans0.12%(3.0)9.91%
Cardinal Financial Company0.15%(3.0)2.71%
Mr. Cooper0.25%(2.5)0.79%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.17%(4.5)1.45%
Wells Fargo Bank-0.15%(4.5)2.44%
Land Home Financial Services-0.14%(4.0)0.52%
Independent Bank Tennessee-0.13%(4.0)1.09%
Sirva Mortgage-0.10%(4.0)0.57%
MortgageRight-0.09%(4.0)1.09%
Mortgage Investors Group-0.08%(4.0)5.91%
Regions Bank-0.08%(4.0)4.30%
JPMorgan Chase Bank-0.08%(4.0)1.35%
Truist Bank-0.08%(4.0)0.85%
US Bank-0.07%(4.0)0.33%
Renasant Bank-0.07%(4.0)0.74%
Union Home Mortgage-0.07%(4.0)0.19%
Community Mortgage Corporation-0.07%(4.0)1.04%
Keller Mortgage-0.07%(4.0)1.23%
Integrity Mortgage Group-0.07%(4.0)0.40%
loanDepot-0.07%(4.0)0.47%
SunTrust Bank-0.06%(4.0)2.44%
First Horizon Bank-0.05%(4.0)1.35%
SmartBank-0.05%(3.5)0.40%
First Citizens National Bank-0.05%(3.5)1.04%
USAA-0.04%(3.5)1.59%
New American Funding-0.03%(3.5)5.05%
United Community Bank-0.03%(3.5)0.40%
CMG Financial-0.02%(3.5)2.94%
Fairway Independent Mortgage Corporation-0.02%(3.5)2.30%
Caliber Home Loans-0.02%(3.5)4.75%
Freedom Mortgage Corporation-0.02%(3.5)0.52%
Prosperity Home Mortgage LLC-0.01%(3.5)0.83%
NewRez-0.00%(3.5)0.05%
Atlantic Bay Mortgage Group-0.00%(3.5)0.76%
Movement Mortgage-0.00%(3.5)11.98%
FirstBank TN0.00%(3.5)3.63%
PennyMac Loan Services0.00%(3.5)0.21%
Amerisave Mortgage Corporation0.01%(3.5)0.02%
Atlantic Home Loans0.01%(3.5)0.38%
Member First Mortgage0.01%(3.5)2.16%
Citizens Tri County Bank0.01%(3.5)0.21%
Carrington Mortgage Services0.02%(3.5)0.05%
Churchill Mortgage0.02%(3.5)0.95%
Mr. Cooper0.02%(3.5)0.12%
iServe Residential Lending0.03%(3.5)0.02%
Supreme Lending0.04%(3.5)0.50%
Bank of England AR0.04%(3.5)1.19%
Highlands Residential Mortgage Ltd0.04%(3.5)2.54%
First Community Mortgage0.05%(3.5)0.52%
Pinnacle Financial Partners0.05%(3.0)3.80%
Flagstar Bank0.07%(3.0)0.52%
Navy Federal Credit Union0.07%(3.0)0.52%
Redstone Federal Credit Union0.08%(3.0)0.47%
Tennessee Valley Federal Credit Union0.08%(3.0)4.91%
Guild Mortgage Company0.09%(3.0)0.38%
Certainty Home Loans0.10%(3.0)0.43%
Summit Funding Inc0.10%(3.0)0.59%
PrimeLending0.11%(3.0)5.86%
Primary Residential Mortgage Inc0.13%(3.0)0.85%
Quicken Loans0.13%(3.0)4.91%
Cardinal Financial Company0.16%(2.5)3.82%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.19%(4.5)4.76%
Bank of America-0.17%(4.5)1.25%
Mortgage Investors Group-0.16%(4.5)1.29%
Amerisave Mortgage Corporation-0.15%(4.0)1.33%
MortgageRight-0.13%(4.0)5.37%
Truist Bank-0.11%(4.0)0.97%
New American Funding-0.11%(4.0)0.89%
SunTrust Bank-0.10%(4.0)3.39%
loanDepot-0.09%(4.0)2.87%
Land Home Financial Services-0.08%(4.0)0.32%
Renasant Bank-0.08%(4.0)2.66%
Fairway Independent Mortgage Corporation-0.08%(4.0)1.05%
SmartBank-0.08%(4.0)0.57%
Redstone Federal Credit Union-0.08%(4.0)0.85%
First Horizon Bank-0.07%(4.0)0.97%
JPMorgan Chase Bank-0.07%(4.0)1.66%
First Citizens National Bank-0.06%(4.0)0.69%
NewRez-0.06%(4.0)0.73%
Prosperity Home Mortgage LLC-0.06%(4.0)0.24%
US Bank-0.05%(4.0)0.52%
Bank of England AR-0.05%(4.0)0.81%
Certainty Home Loans-0.04%(3.5)0.36%
United Community Bank-0.04%(3.5)0.36%
Caliber Home Loans-0.04%(3.5)3.03%
FirstBank TN-0.04%(3.5)3.88%
Independent Bank Tennessee-0.03%(3.5)0.61%
CMG Financial-0.03%(3.5)0.36%
Freedom Mortgage Corporation-0.03%(3.5)1.33%
Navy Federal Credit Union-0.03%(3.5)0.12%
Union Home Mortgage-0.02%(3.5)0.12%
USAA-0.02%(3.5)0.40%
Pinnacle Financial Partners-0.01%(3.5)2.46%
Keller Mortgage-0.00%(3.5)0.04%
Supreme Lending-0.00%(3.5)0.24%
Carrington Mortgage Services-0.00%(3.5)0.36%
Highlands Residential Mortgage Ltd0.00%(3.5)1.49%
Atlantic Home Loans0.00%(3.5)0.20%
Cardinal Financial Company0.00%(3.5)0.81%
Guild Mortgage Company0.01%(3.5)0.08%
Community Mortgage Corporation0.01%(3.5)0.24%
Churchill Mortgage0.01%(3.5)0.57%
Integrity Mortgage Group0.01%(3.5)0.24%
Tennessee Valley Federal Credit Union0.01%(3.5)11.55%
Member First Mortgage0.01%(3.5)1.09%
Flagstar Bank0.02%(3.5)0.52%
Primary Residential Mortgage Inc0.02%(3.5)0.24%
PrimeLending0.03%(3.5)2.18%
PennyMac Loan Services0.04%(3.5)1.13%
Lakeview Loan Servicing0.05%(3.0)0.28%
First Community Mortgage0.06%(3.0)0.65%
Summit Funding Inc0.08%(3.0)0.52%
iServe Residential Lending0.09%(3.0)0.44%
Wells Fargo Bank0.09%(3.0)2.42%
Quicken Loans0.11%(3.0)18.41%
Citizens Tri County Bank0.12%(3.0)1.90%
Regions Bank0.12%(3.0)6.22%
Mr. Cooper0.27%(2.0)1.94%
Lender NameRate DifferenceRate RatingMarket Share
Union Home Mortgage-0.26%(5.0)1.07%
Member First Mortgage-0.22%(4.5)3.39%
Land Home Financial Services-0.14%(4.0)1.25%
MortgageRight-0.10%(4.0)3.30%
Mortgage Investors Group-0.10%(4.0)5.76%
First Citizens National Bank-0.09%(4.0)0.37%
Movement Mortgage-0.08%(4.0)6.73%
Regions Bank-0.08%(4.0)1.02%
Quicken Loans-0.08%(4.0)11.42%
Independent Bank Tennessee-0.06%(4.0)1.67%
Certainty Home Loans-0.05%(4.0)0.51%
FirstBank TN-0.04%(3.5)3.11%
Renasant Bank-0.04%(3.5)0.42%
United Community Bank-0.04%(3.5)0.32%
NewRez-0.04%(3.5)0.42%
Atlantic Bay Mortgage Group-0.04%(3.5)0.97%
Bank of America-0.03%(3.5)0.23%
SunTrust Bank-0.03%(3.5)0.51%
Churchill Mortgage-0.03%(3.5)0.93%
Keller Mortgage-0.03%(3.5)0.32%
PennyMac Loan Services-0.03%(3.5)1.07%
Amerisave Mortgage Corporation-0.03%(3.5)0.37%
SmartBank-0.02%(3.5)0.05%
Pinnacle Financial Partners-0.02%(3.5)0.93%
CMG Financial-0.02%(3.5)2.18%
Lakeview Loan Servicing-0.01%(3.5)1.07%
Truist Bank-0.01%(3.5)0.05%
Redstone Federal Credit Union-0.01%(3.5)0.05%
Flagstar Bank-0.00%(3.5)1.02%
First Community Mortgage-0.00%(3.5)2.00%
Sirva Mortgage0.00%(3.5)0.05%
Carrington Mortgage Services0.01%(3.5)1.81%
Integrity Mortgage Group0.01%(3.5)0.32%
Freedom Mortgage Corporation0.01%(3.5)2.60%
JPMorgan Chase Bank0.02%(3.5)0.05%
Community Mortgage Corporation0.02%(3.5)1.44%
Highlands Residential Mortgage Ltd0.02%(3.5)2.88%
Supreme Lending0.02%(3.5)0.28%
New American Funding0.03%(3.5)2.69%
NewDay USA0.03%(3.5)0.05%
PrimeLending0.03%(3.5)3.25%
Mr. Cooper0.04%(3.5)2.27%
Caliber Home Loans0.04%(3.5)10.72%
Atlantic Home Loans0.05%(3.5)0.65%
loanDepot0.05%(3.5)1.95%
Fairway Independent Mortgage Corporation0.06%(3.0)3.25%
Guild Mortgage Company0.08%(3.0)0.74%
Prosperity Home Mortgage LLC0.12%(3.0)1.07%
Bank of England AR0.17%(2.5)1.30%
Summit Funding Inc0.18%(2.5)2.14%
Cardinal Financial Company0.20%(2.5)3.71%
Primary Residential Mortgage Inc0.22%(2.5)1.72%
iServe Residential Lending0.41%(1.5)2.55%
Lender NameRate DifferenceRate RatingMarket Share
Union Home Mortgage-0.27%(5.0)1.39%
Member First Mortgage-0.24%(4.5)3.98%
Land Home Financial Services-0.16%(4.5)1.58%
Mortgage Investors Group-0.10%(4.0)7.64%
MortgageRight-0.10%(4.0)1.71%
First Citizens National Bank-0.09%(4.0)0.51%
Regions Bank-0.09%(4.0)1.33%
Movement Mortgage-0.09%(4.0)8.91%
Independent Bank Tennessee-0.07%(4.0)2.27%
SunTrust Bank-0.07%(4.0)0.44%
Certainty Home Loans-0.06%(4.0)0.69%
PennyMac Loan Services-0.05%(4.0)0.51%
Churchill Mortgage-0.05%(3.5)1.01%
FirstBank TN-0.05%(3.5)4.04%
Renasant Bank-0.05%(3.5)0.51%
United Community Bank-0.04%(3.5)0.44%
Atlantic Bay Mortgage Group-0.04%(3.5)1.33%
Bank of America-0.04%(3.5)0.32%
Keller Mortgage-0.03%(3.5)0.44%
Pinnacle Financial Partners-0.02%(3.5)1.14%
SmartBank-0.02%(3.5)0.06%
CMG Financial-0.02%(3.5)2.65%
Truist Bank-0.02%(3.5)0.06%
Freedom Mortgage Corporation-0.02%(3.5)1.64%
NewRez-0.01%(3.5)0.06%
Redstone Federal Credit Union-0.01%(3.5)0.06%
First Community Mortgage-0.01%(3.5)2.40%
Flagstar Bank-0.01%(3.5)1.26%
Sirva Mortgage-0.00%(3.5)0.06%
Integrity Mortgage Group0.01%(3.5)0.44%
iServe Residential Lending0.01%(3.5)0.06%
Amerisave Mortgage Corporation0.01%(3.5)0.06%
Quicken Loans0.01%(3.5)4.42%
Highlands Residential Mortgage Ltd0.02%(3.5)3.73%
Community Mortgage Corporation0.02%(3.5)1.83%
Supreme Lending0.03%(3.5)0.32%
PrimeLending0.03%(3.5)4.17%
New American Funding0.03%(3.5)3.10%
Atlantic Home Loans0.05%(3.0)0.76%
Mr. Cooper0.06%(3.0)1.26%
loanDepot0.06%(3.0)1.20%
Fairway Independent Mortgage Corporation0.06%(3.0)4.30%
Carrington Mortgage Services0.06%(3.0)0.82%
Caliber Home Loans0.08%(3.0)11.81%
Guild Mortgage Company0.09%(3.0)0.82%
Prosperity Home Mortgage LLC0.12%(3.0)1.39%
Bank of England AR0.18%(2.5)1.64%
Summit Funding Inc0.18%(2.5)2.78%
Cardinal Financial Company0.21%(2.5)4.36%
Primary Residential Mortgage Inc0.22%(2.5)2.27%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.11%(4.0)30.82%
Caliber Home Loans-0.10%(4.0)7.71%
MortgageRight-0.09%(4.0)7.71%
Member First Mortgage-0.09%(4.0)1.75%
NewRez-0.03%(3.5)1.40%
Amerisave Mortgage Corporation-0.02%(3.5)1.23%
Carrington Mortgage Services-0.01%(3.5)4.55%
PennyMac Loan Services-0.00%(3.5)2.63%
Lakeview Loan Servicing-0.00%(3.5)4.03%
Union Home Mortgage-0.00%(3.5)0.18%
CMG Financial0.00%(3.5)0.88%
Atlantic Home Loans0.00%(3.5)0.35%
New American Funding0.00%(3.5)1.58%
Summit Funding Inc0.00%(3.5)0.35%
Primary Residential Mortgage Inc0.00%(3.5)0.18%
Renasant Bank0.00%(3.5)0.18%
Supreme Lending0.01%(3.5)0.18%
Land Home Financial Services0.01%(3.5)0.35%
Flagstar Bank0.01%(3.5)0.35%
Community Mortgage Corporation0.01%(3.5)0.35%
Bank of England AR0.01%(3.5)0.35%
Prosperity Home Mortgage LLC0.01%(3.5)0.18%
Fairway Independent Mortgage Corporation0.02%(3.5)0.35%
Pinnacle Financial Partners0.02%(3.5)0.35%
Guild Mortgage Company0.02%(3.5)0.53%
Mortgage Investors Group0.02%(3.5)0.53%
JPMorgan Chase Bank0.03%(3.5)0.18%
SunTrust Bank0.03%(3.5)0.70%
Churchill Mortgage0.03%(3.5)0.70%
Movement Mortgage0.03%(3.5)0.70%
Regions Bank0.03%(3.5)0.18%
Mr. Cooper0.04%(3.5)5.08%
First Community Mortgage0.04%(3.5)0.88%
NewDay USA0.04%(3.5)0.18%
Freedom Mortgage Corporation0.05%(3.5)5.25%
FirstBank TN0.05%(3.5)0.53%
Highlands Residential Mortgage Ltd0.05%(3.5)0.53%
loanDepot0.05%(3.5)4.03%
PrimeLending0.06%(3.0)0.70%
Cardinal Financial Company0.10%(3.0)1.93%
iServe Residential Lending0.43%(1.5)9.46%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.05%(4.0)27.22%
Bank of America-0.03%(3.5)1.78%
Wells Fargo Bank-0.02%(3.5)2.37%
Guild Mortgage Company-0.02%(3.5)0.59%
Sirva Mortgage-0.01%(3.5)0.59%
Quicken Loans-0.01%(3.5)3.55%
US Bank-0.01%(3.5)2.96%
Navy Federal Credit Union-0.01%(3.5)1.78%
Regions Bank-0.01%(3.5)4.14%
Highlands Residential Mortgage Ltd-0.01%(3.5)1.18%
SunTrust Bank-0.01%(3.5)2.96%
Supreme Lending-0.01%(3.5)0.59%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.59%
Community Mortgage Corporation-0.01%(3.5)1.18%
JPMorgan Chase Bank-0.01%(3.5)6.51%
Renasant Bank-0.01%(3.5)0.59%
Truist Bank-0.01%(3.5)2.96%
MortgageRight-0.01%(3.5)0.59%
FirstBank TN-0.00%(3.5)1.78%
Cardinal Financial Company-0.00%(3.5)0.59%
Mortgage Investors Group0.01%(3.5)2.37%
Tennessee Valley Federal Credit Union0.01%(3.5)1.78%
New American Funding0.01%(3.5)0.59%
PrimeLending0.01%(3.5)4.14%
Movement Mortgage0.01%(3.5)2.96%
Pinnacle Financial Partners0.07%(3.0)23.67%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.05%(3.5)32.48%
Bank of America-0.03%(3.5)2.56%
Wells Fargo Bank-0.02%(3.5)2.56%
Tennessee Valley Federal Credit Union-0.01%(3.5)0.85%
Sirva Mortgage-0.01%(3.5)0.85%
Quicken Loans-0.01%(3.5)4.27%
Regions Bank-0.01%(3.5)4.27%
Highlands Residential Mortgage Ltd-0.01%(3.5)0.85%
Supreme Lending-0.01%(3.5)0.85%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.85%
US Bank-0.01%(3.5)2.56%
SunTrust Bank-0.01%(3.5)3.42%
JPMorgan Chase Bank-0.01%(3.5)5.98%
Navy Federal Credit Union-0.01%(3.5)1.71%
FirstBank TN-0.00%(3.5)2.56%
Truist Bank-0.00%(3.5)1.71%
Community Mortgage Corporation0.00%(3.5)0.85%
Mortgage Investors Group0.01%(3.5)1.71%
New American Funding0.01%(3.5)0.85%
Movement Mortgage0.01%(3.5)3.42%
PrimeLending0.01%(3.5)4.27%
Pinnacle Financial Partners0.09%(3.0)20.51%
Lender NameRate DifferenceRate RatingMarket Share
First Horizon Bank-0.06%(4.0)15.38%
Navy Federal Credit Union-0.02%(3.5)1.92%
SunTrust Bank-0.02%(3.5)1.92%
US Bank-0.02%(3.5)3.85%
Guild Mortgage Company-0.02%(3.5)1.92%
Community Mortgage Corporation-0.02%(3.5)1.92%
Wells Fargo Bank-0.02%(3.5)1.92%
Highlands Residential Mortgage Ltd-0.02%(3.5)1.92%
Quicken Loans-0.02%(3.5)1.92%
Regions Bank-0.01%(3.5)3.85%
Truist Bank-0.01%(3.5)5.77%
JPMorgan Chase Bank-0.01%(3.5)7.69%
Renasant Bank-0.01%(3.5)1.92%
MortgageRight-0.01%(3.5)1.92%
Cardinal Financial Company-0.01%(3.5)1.92%
Movement Mortgage0.00%(3.5)1.92%
PrimeLending0.00%(3.5)3.85%
Mortgage Investors Group0.00%(3.5)3.85%
Tennessee Valley Federal Credit Union0.01%(3.5)3.85%
Pinnacle Financial Partners0.04%(3.5)30.77%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.18%(4.5)4.61%
USAA-0.08%(4.0)8.20%
PennyMac Loan Services-0.07%(4.0)3.93%
Lakeview Loan Servicing-0.07%(4.0)1.91%
Movement Mortgage-0.04%(3.5)5.96%
Atlantic Bay Mortgage Group-0.04%(3.5)0.56%
Churchill Mortgage-0.04%(3.5)0.67%
Member First Mortgage-0.03%(3.5)1.35%
Regions Bank-0.03%(3.5)0.67%
Mortgage Investors Group-0.03%(3.5)4.61%
Renasant Bank-0.03%(3.5)1.12%
Caliber Home Loans-0.03%(3.5)6.97%
Wells Fargo Bank-0.03%(3.5)0.90%
MortgageRight-0.03%(3.5)3.03%
FirstBank TN-0.02%(3.5)2.36%
Prosperity Home Mortgage LLC-0.02%(3.5)0.56%
Keller Mortgage-0.01%(3.5)0.34%
Pinnacle Financial Partners-0.01%(3.5)1.35%
Independent Bank Tennessee-0.01%(3.5)1.24%
Land Home Financial Services-0.01%(3.5)0.34%
Highlands Residential Mortgage Ltd-0.01%(3.5)1.12%
Truist Bank-0.01%(3.5)0.22%
US Bank-0.01%(3.5)0.11%
Atlantic Home Loans-0.01%(3.5)0.11%
Redstone Federal Credit Union-0.01%(3.5)0.11%
Guild Mortgage Company-0.00%(3.5)0.67%
Integrity Mortgage Group-0.00%(3.5)0.34%
loanDepot-0.00%(3.5)5.51%
First Citizens National Bank-0.00%(3.5)0.34%
NewRez0.00%(3.5)0.56%
Bank of America0.00%(3.5)0.22%
SunTrust Bank0.00%(3.5)0.45%
Sirva Mortgage0.01%(3.5)1.01%
Bank of England AR0.01%(3.5)1.12%
First Community Mortgage0.01%(3.5)0.90%
Amerisave Mortgage Corporation0.01%(3.5)0.79%
Community Mortgage Corporation0.01%(3.5)0.90%
Primary Residential Mortgage Inc0.02%(3.5)0.34%
Mr. Cooper0.02%(3.5)1.01%
PrimeLending0.02%(3.5)2.81%
Summit Funding Inc0.02%(3.5)0.79%
Flagstar Bank0.03%(3.5)1.24%
Supreme Lending0.03%(3.5)0.56%
Cardinal Financial Company0.04%(3.5)1.12%
CMG Financial0.04%(3.5)2.70%
Carrington Mortgage Services0.04%(3.5)1.69%
Fairway Independent Mortgage Corporation0.05%(3.5)2.13%
New American Funding0.05%(3.5)2.36%
Quicken Loans0.07%(3.0)8.76%
Freedom Mortgage Corporation0.08%(3.0)4.38%
NewDay USA0.27%(2.0)4.94%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.19%(4.5)6.70%
USAA-0.07%(4.0)10.80%
Churchill Mortgage-0.03%(3.5)0.93%
Movement Mortgage-0.03%(3.5)8.94%
MortgageRight-0.03%(3.5)2.23%
Atlantic Bay Mortgage Group-0.02%(3.5)0.93%
Member First Mortgage-0.02%(3.5)2.05%
Renasant Bank-0.02%(3.5)1.49%
Mortgage Investors Group-0.02%(3.5)7.08%
Regions Bank-0.02%(3.5)1.12%
Wells Fargo Bank-0.01%(3.5)1.49%
FirstBank TN-0.00%(3.5)3.72%
Freedom Mortgage Corporation-0.00%(3.5)2.05%
Prosperity Home Mortgage LLC-0.00%(3.5)0.93%
PennyMac Loan Services-0.00%(3.5)0.74%
Truist Bank0.00%(3.5)0.19%
Keller Mortgage0.00%(3.5)0.56%
Highlands Residential Mortgage Ltd0.00%(3.5)1.49%
Pinnacle Financial Partners0.00%(3.5)2.23%
SunTrust Bank0.01%(3.5)0.19%
Independent Bank Tennessee0.01%(3.5)1.68%
Land Home Financial Services0.01%(3.5)0.37%
US Bank0.01%(3.5)0.19%
NewRez0.01%(3.5)0.19%
Redstone Federal Credit Union0.01%(3.5)0.19%
Integrity Mortgage Group0.01%(3.5)0.37%
First Citizens National Bank0.02%(3.5)0.37%
Bank of America0.02%(3.5)0.37%
Mr. Cooper0.02%(3.5)0.56%
Sirva Mortgage0.02%(3.5)1.68%
First Community Mortgage0.02%(3.5)1.12%
Bank of England AR0.02%(3.5)1.68%
Guild Mortgage Company0.03%(3.5)0.56%
loanDepot0.03%(3.5)1.30%
Primary Residential Mortgage Inc0.03%(3.5)0.56%
Community Mortgage Corporation0.03%(3.5)1.30%
PrimeLending0.04%(3.5)4.28%
Summit Funding Inc0.04%(3.5)1.12%
Supreme Lending0.04%(3.5)0.56%
Quicken Loans0.05%(3.5)4.28%
CMG Financial0.06%(3.0)4.10%
Carrington Mortgage Services0.06%(3.0)0.93%
Flagstar Bank0.06%(3.0)1.30%
New American Funding0.07%(3.0)3.72%
Fairway Independent Mortgage Corporation0.07%(3.0)2.98%
NewDay USA0.08%(3.0)1.30%
Cardinal Financial Company0.09%(3.0)1.30%
Caliber Home Loans0.15%(2.5)5.77%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.22%(4.5)8.78%
USAA-0.11%(4.0)4.25%
PennyMac Loan Services-0.10%(4.0)8.78%
Lakeview Loan Servicing-0.09%(4.0)4.82%
Movement Mortgage-0.08%(4.0)1.42%
Cardinal Financial Company-0.06%(4.0)0.85%
Navy Federal Credit Union-0.06%(4.0)1.42%
Guild Mortgage Company-0.04%(3.5)0.85%
PrimeLending-0.04%(3.5)0.57%
Independent Bank Tennessee-0.04%(3.5)0.57%
Land Home Financial Services-0.04%(3.5)0.28%
MortgageRight-0.04%(3.5)4.25%
Flagstar Bank-0.03%(3.5)1.13%
Renasant Bank-0.03%(3.5)0.57%
Integrity Mortgage Group-0.03%(3.5)0.28%
First Citizens National Bank-0.03%(3.5)0.28%
loanDepot-0.03%(3.5)11.90%
Atlantic Home Loans-0.03%(3.5)0.28%
Summit Funding Inc-0.03%(3.5)0.28%
Community Mortgage Corporation-0.03%(3.5)0.28%
CMG Financial-0.03%(3.5)0.57%
FirstBank TN-0.03%(3.5)0.28%
Member First Mortgage-0.03%(3.5)0.28%
Truist Bank-0.03%(3.5)0.28%
Highlands Residential Mortgage Ltd-0.02%(3.5)0.57%
NewRez-0.02%(3.5)1.13%
Churchill Mortgage-0.02%(3.5)0.28%
Bank of England AR-0.02%(3.5)0.28%
First Community Mortgage-0.02%(3.5)0.57%
SunTrust Bank-0.01%(3.5)0.85%
New American Funding-0.01%(3.5)0.28%
Amerisave Mortgage Corporation-0.01%(3.5)1.98%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.85%
Mortgage Investors Group-0.00%(3.5)0.85%
Mr. Cooper-0.00%(3.5)1.70%
Supreme Lending0.00%(3.5)0.57%
Carrington Mortgage Services0.02%(3.5)2.83%
Quicken Loans0.06%(3.0)15.58%
Freedom Mortgage Corporation0.10%(3.0)7.93%
NewDay USA0.29%(2.0)10.48%

* 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 of the data is 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 conditional on the commuting zone, 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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