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Mortgage Lenders and Brokers in Chattanooga, Tennessee

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Chattanooga, Tennessee mortgage lenders include FirstbankFirstbank1301 Cowart St, Chattanooga, TN 37402A5.0 ★Texas Ratio: 7.51%, Regions BankRegions Bank3894 Hixson Pike, Chattanooga, TN 37415A+5.0 ★Texas Ratio: 4.37%, Builtwell BankBuiltwell Bank6825 Shallowford Rd, Chattanooga, TN 37421A+5.0 ★Texas Ratio: 2.72%, Pinnacle BankPinnacle Bank1350 Broad St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 3.04%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA306 Cherokee Blvd, Chattanooga, TN 37405A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank101 Browns Ferry Rd, Chattanooga, TN 37419A+5.0 ★Texas Ratio: 2.87%, First Horizon BankFirst Horizon Bank5401 Ringgold Rd, Chattanooga, TN 37412A+5.0 ★Texas Ratio: 5.76%, SmartbankSmartbank835 Georgia Ave, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 1.74%, RockPointBankRockPointBank401 Chestnut St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 1.64%, and Millennium BankMillennium Bank7201 Shallowford Rd, Chattanooga, TN 37421A5.0 ★Texas Ratio: 7.27%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Chattanooga, Tennessee in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chattanooga are listed first, then lenders elsewhere in Tennessee, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Chattanooga, Tennessee

Market share is the lender's share of all home loans closed in Chattanooga, Tennessee. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Firstbank 4 offices in Chattanooga 1301 Cowart St, Chattanooga, TN 37402 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, Jumbo, HELOC	179 +38 HELOCs	4.6%	95.7%	$383,212	View
Regions Bank 8 offices in Chattanooga 3894 Hixson Pike, Chattanooga, TN 37415 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	88 +140 HELOCs	2.3%	64.5%	$176,818	View
Builtwell Bank 6825 Shallowford Rd, Chattanooga, TN 37421 A+5.0 ★Texas Ratio: 2.72%	Conventional, FHA, Jumbo	76	2%	81.7%	$167,500	View
Pinnacle Bank 4 offices in Chattanooga 1350 Broad St, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 3.04%	Conventional, VA, Jumbo, HELOC	63 +48 HELOCs	1.6%	91.3%	$512,142	View
JPMorgan Chase Bank, NA 3 offices in Chattanooga 306 Cherokee Blvd, Chattanooga, TN 37405 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo	57	1.5%	93.8%	$304,824	View
Truist Bank ★ 1 stars, 1 review 11 offices in Chattanooga 101 Browns Ferry Rd, Chattanooga, TN 37419 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, VA, Jumbo, HELOC	51 +101 HELOCs	1.3%	80%	$341,666	View
First Horizon Bank ★ 5 stars, 1 review 11 offices in Chattanooga 5401 Ringgold Rd, Chattanooga, TN 37412 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA, Jumbo, HELOC	47 +65 HELOCs	1.2%	90.4%	$608,191	View
Smartbank 3 offices in Chattanooga 835 Georgia Ave, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 1.74%	Conventional, FHA, VA, Jumbo, HELOC	43 +19 HELOCs	1.1%	94.6%	$375,930	View
RockPointBank 401 Chestnut St, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 1.64%	Conventional, Jumbo	24	0.6%	100%	$440,000	View
Millennium Bank 3 offices in Chattanooga 7201 Shallowford Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.27%	Conventional, Jumbo	23	0.6%	96%	$302,826	View
SouthEast Bank 1 office in Chattanooga 605 Chestnut St, Chattanooga, TN 37450 A+5.0 ★Texas Ratio: 0.98%	Conventional, Jumbo, HELOC	22 +21 HELOCs	0.6%	89.3%	$297,727	View
Chattanooga Area Schools Federal Credit Union 1201 Bailey Ave, Chattanooga, TN 37404 2806 A+5.0 ★Texas Ratio: 0.99%	Conventional	17	0.4%	100%	$197,352	View
Bank of America NA 2 offices in Chattanooga 200 W Martin Luther King Blvd Ste 100, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	12 +49 HELOCs	0.3%	100%	$454,166	View
Trust Federal Credit Union 2186 Northgate Park Ln, Chattanooga, TN 37415 6911 B4.5 ★Texas Ratio: 20.70%	Conventional	9	0.2%	90%	$281,666	View
United Community Bank 1 office in Chattanooga 633 Chestnut St, Chattanooga, TN 37450 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	6 +4 HELOCs	0.2%	75%	$370,000	View
Chattanooga Federal Employees Credit Union 2011 Stein Dr, Chattanooga, TN 37421 1692 A+5.0 ★Texas Ratio: 1.20%	Conventional	6	0.2%	88.9%	$175,000	View
First Ciitizens Bank and Trust 1 office in Chattanooga 1611 Gunbarrel Rd, Chattanooga, TN 37421 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	3 +4 HELOCs	0.1%	75%	$478,333	View
Wilson Bank and Trust 1 office in Chattanooga 1300 Broad St, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 4.75%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.1%	60%	$1,401,666	View
Old National Bank 1 office in Chattanooga 735 Broad Street, Chattanooga, TN 37402 A+5.0 ★Texas Ratio: 4.98%	Conventional	2	0.1%	100%	$375,000	View
First Financial Bank NA 1 office in Chattanooga 1740 Gunbarrel Rd, Chattanooga, TN 37421 A+5.0 ★Texas Ratio: 4.65%	Conventional, HELOC	1 +1 HELOCs	0%	33.3%	$305,000	View
Tennessee Valley Federal C U	Conventional, VA, Jumbo, HELOC	227 +119 HELOCs	5.9%	74.9%	$276,982
Wesbanco Bank, Inc. 1 office in Chattanooga A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	1 +4 HELOCs	0%	100%	$1,255,000	View
Community Mortgage Corporation 1007 Us Highway 45 N, Henderson, TN 38340	Conventional, FHA	21	0.5%	100%	$276,904
First Community Mortgage, Inc. 2681 Boones Creek Rd, Johnson City, TN 37615 A+5.0 ★Texas Ratio: 3.36%	Conventional, FHA, VA	16	0.4%	94.4%	$270,625	View
Mountain Valley Bank Highway 28 South At Cordell Lane, Dunlap, TN 37327 A+5.0 ★Texas Ratio: 4.32%	Conventional	16	0.4%	100%	$96,875	View
Wells Fargo Bank NA 9059 Us Highway 64, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.36%	Conventional	14	0.4%	77.8%	$270,714	View
Renasant Bank 6671 Summer Ave, Bartlett, TN 38134 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, VA	11	0.3%	84.6%	$360,454	View
US Bank, N.A. 929 Bell Rd, Antioch, TN 37013 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	10 +3 HELOCs	0.3%	50%	$233,000	View
Legends Bank 533 S Main St, Ashland City, TN 37015 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	10	0.3%	100%	$388,000	View
Andrew Johnson Bank 4425 Ocoee St N, Cleveland, TN 37312 A5.0 ★Texas Ratio: 6.04%	Conventional	9	0.2%	90%	$225,000	View
Citizens Tri County Bank ★ 5 stars, 1 review 1548 Main St, Altamont, TN 37301 A5.0 ★Texas Ratio: 7.54%	Conventional	6	0.2%	66.7%	$306,666	View
Fifth Third Bank, National Association 5000 Maryland Way, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	5 +2 HELOCs	0.1%	83.3%	$353,000	View
Simmons Bank 5810 Airline Rd, Arlington, TN 38002 A+5.0 ★Texas Ratio: 5.33%	Conventional, FHA, HELOC	4 +2 HELOCs	0.1%	100%	$432,500	View
First National Bank of Middle Tennessee 1175 Meridian Blvd, Franklin, TN 37067 A+5.0 ★Texas Ratio: 5.43%	Conventional, FHA	3	0.1%	100%	$331,666	View
Ascend Federal Credit Union 782 Old Hickory Blvd, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.35%	Conventional	3	0.1%	75%	$238,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4216 Century Farms Ter, Antioch, TN 37013 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	2 +8 HELOCs	0.1%	100%	$500,000	View
Studio Bank 1550 W Mcewen Dr Suite 150, Franklin, TN 37067 A5.0 ★Texas Ratio: 11.28%	Conventional, FHA	2	0.1%	100%	$390,000	View
Tower Community Bank 6148 Lee Hwy, Chattanooga, TN 37421 A+5.0 ★Texas Ratio: 4.27%	Conventional	2	0.1%	100%	$365,000	View
Southeast Financial Credit Union 512 National Ave, Chattanooga, TN 37404 A+5.0 ★Texas Ratio: 0.98%	Conventional	2	0.1%	71.4%	$65,000	View
First Vision Bank of Tennessee 2165 Decherd Blvd, Decherd, TN 37324 A5.0 ★Texas Ratio: 11.21%	Conventional	2	0.1%	100%	$200,000	View
CU Community, LLC 1007 Us Highway 45 N, Henderson, TN 38340	Conventional	2	0.1%	100%	$240,000
Ornl Federal Credit Union 103 Hamilton Crossing Dr, Alcoa, TN 37701	Conventional	2	0.1%	100%	$420,000
Eastman Credit Union 1911 Highway 394, Blountville, TN 37617 5349 A+5.0 ★Texas Ratio: 1.56%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$55,000	View
Peoples Bank of the South 2152 N Charles G Seivers Blvd, Clinton, TN 37716 A5.0 ★Texas Ratio: 6.15%	Conventional	1	0%	100%	$305,000	View
Apex Bank 65 Main St, Big Sandy, TN 38221 A-4.9 ★Texas Ratio: 15.84%	Conventional	1	0%	100%	$145,000	View
Ubank 1075 5th Street, Jellico, TN 37762 A+5.0 ★Texas Ratio: 3.86%	Conventional	1	0%	100%	$455,000	View
Servisfirst Bank 5384 Poplar Avenue, Memphis, TN 38119 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo	1	0%	50%	$875,000	View
Brighton Bank 7663 Highway 51 S, Brighton, TN 38011 A+5.0 ★Texas Ratio: 0.40%	VA	1	0%	100%	$215,000	View
TEN Credit Union 1281 S Walnut Ave, Cookeville, TN 38501 5963	Conventional	1	0%	100%	$255,000
Republic Bank & Trust 101 Creekside Xing, Brentwood, TN 37027 A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0%	100%	$315,000	View
Homeland Community Bank 807 Beersheba Hwy, Mc Minnville, TN 37110 B3.8 ★Texas Ratio: 4.23%	Conventional	1	0%	100%	$395,000	View
Bank3 429 Walker Rd, Jackson, TN 38305 A+5.0 ★Texas Ratio: 0.42%	Conventional	1	0%	100%	$275,000	View
Mortgage Investors Group	Conventional, FHA, VA	62	1.6%	98.5%	$311,451
Churchill Mortgage Corporation	Conventional, FHA, VA	11	0.3%	100%	$293,181
21St Mortgage	Conventional	5	0.1%	26.3%	$81,000
Vanderbilt Mortgage and Finance, Inc	Conventional	5	0.1%	9.2%	$211,000
Legacy Home Loans, LLC	Conventional	3	0.1%	100%	$321,666
CedarStone Bank	Conventional, Jumbo	2	0.1%	100%	$645,000
Bank of Cleveland A+5.0 ★Texas Ratio: 1.28%	Conventional	2	0.1%	100%	$395,000	View
Acopia, LLC	Conventional	1	0%	100%	$175,000
Rocket Mortgage A+5.0 ★Texas Ratio: 2.03%	Conventional, FHA, VA, Jumbo	361	9.3%	82.2%	$242,562	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	166	4.3%	85.4%	$345,180
Movement Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	163 +16 HELOCs	4.2%	96.6%	$336,472
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	159 +7 HELOCs	4.1%	96.8%	$331,415
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	152 +10 HELOCs	3.9%	96.3%	$294,210
Summit Funding.Inc	Conventional, FHA, VA, Jumbo	92	2.4%	89.5%	$302,608
Alameda Mortgage Corporation	Conventional, FHA, VA	79	2%	100%	$270,189
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA, USDA, Jumbo	73	1.9%	96.6%	$338,972
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	63	1.6%	100%	$308,333
loanDepot.com LLC	Conventional, FHA, VA	60	1.6%	78.2%	$282,833
Freedom Mortgage Corporation	Conventional, FHA, VA	53	1.4%	81.8%	$328,584
Nationstar Mortgage	Conventional, FHA, VA	51	1.3%	83.6%	$142,058
DHI Mortgage Company, LTD.	Conventional, FHA, VA	51	1.3%	81.2%	$361,862
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	50	1.3%	78.8%	$331,000
Mortgage Research Center	Conventional, FHA, VA, Jumbo	49	1.3%	66.2%	$337,448
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	42 +1 HELOCs	1.1%	87.5%	$352,380
New American Funding, LLC.	Conventional, FHA, VA, HELOC	35 +4 HELOCs	0.9%	71.4%	$290,714
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	34 +17 HELOCs	0.9%	79.5%	$253,235
Newrez LLC	Conventional, FHA, VA	28	0.7%	60%	$315,000
Canopy Mortgage, LLC	Conventional, FHA, VA	25	0.6%	92.6%	$389,000
Amerisave Mortgage Company	Conventional, FHA, VA	25	0.6%	32.5%	$137,800
Guild Mortgage Company	Conventional, FHA, VA	25	0.6%	92.6%	$178,600
Lennar Mortgage, LLC	Conventional, FHA, VA	25	0.6%	86.2%	$271,400
Leaderone Financial Corp.	Conventional, FHA, VA	25	0.6%	75.8%	$322,200
Cadence Bank	Conventional, FHA, VA, HELOC	19 +1 HELOCs	0.5%	70.4%	$356,578
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	18	0.5%	86.4%	$166,111	View
Stockton Mortgage Corporation	Conventional, FHA, VA	17	0.4%	89.5%	$300,882
Spring Eq, LLC	Conventional, HELOC	16 +2 HELOCs	0.4%	40%	$61,875
BankSouth Mortgage Company LLC B-4.3 ★Texas Ratio: 24.02%	Conventional, FHA, VA	16	0.4%	100%	$336,250	View
The Loan Store, Inc	Conventional, FHA, HELOC	15 +3 HELOCs	0.4%	100%	$320,333
Lakeview Loan Servicing, LLC	Conventional, FHA	14	0.4%	47.4%	$307,142
Mutual of Omaha Mortgage	Conventional, FHA, VA	14	0.4%	60%	$273,571
First Citizens National Bank	Conventional, FHA, VA, Jumbo, HELOC	13 +1 HELOCs	0.3%	86.7%	$501,923
Eustis Mortgage Corp	Conventional, FHA	13	0.3%	92.9%	$218,076
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	13	0.3%	72.2%	$351,923	View
Fairway Independent Mort Corp	Conventional, FHA	13	0.3%	100%	$244,230
Primelending	Conventional, FHA, VA, Jumbo	12	0.3%	83.3%	$330,833
Discover Bank	Conventional	12	0.3%	35.7%	$90,833
Goodleap, LLC	Conventional, FHA, HELOC	11 +6 HELOCs	0.3%	82.4%	$147,727
Kind Lending, LLC	Conventional, FHA, VA	11	0.3%	78.6%	$371,363
Nfm, Inc	Conventional, FHA, VA	11	0.3%	100%	$302,272
UNMB Home Loans Inc	Conventional, FHA	11	0.3%	100%	$449,545
Tjc Mortgage Inc	Conventional, FHA, VA	11	0.3%	91.7%	$248,636
Tomo Mortgage LLC	Conventional, FHA	11	0.3%	91.7%	$314,090
Synovus Bank	Conventional, FHA, VA, Jumbo, HELOC	10 +6 HELOCs	0.3%	100%	$474,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	10	0.3%	90.9%	$284,000
Capital City Home Loans, LLC	Conventional, FHA, VA	10	0.3%	83.3%	$404,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	10	0.3%	45.8%	$200,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA, Jumbo	10	0.3%	100%	$486,000
Click n' Close, Inc.	Conventional, FHA, VA	9	0.2%	100%	$232,777
Atlantic Bay Mortgage Group	Conventional, FHA	9	0.2%	100%	$296,111
Zillow Home Loans, LLC	Conventional, FHA, VA	9	0.2%	100%	$285,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	9	0.2%	84.6%	$700,555	View
American Financial Resources LLC	Conventional, FHA	8	0.2%	88.9%	$218,750
AdvantageFirst Lending Inc	Conventional, FHA, VA	8	0.2%	80%	$268,750
American Financial Network, Inc.	Conventional, FHA, VA	7	0.2%	100%	$360,714
New Day Financial, LLC.	VA	7	0.2%	41.2%	$390,714
Reliance First Capital, LLC	Conventional, FHA, VA	7	0.2%	100%	$220,714
Geneva Financial LLC	Conventional, HELOC	6 +1 HELOCs	0.2%	100%	$275,000
Sage Home Loans Corporation	Conventional	6	0.2%	85.7%	$288,333
Planet Home Lending, LLC	Conventional, FHA, VA	6	0.2%	75%	$431,666
Village Capital & Investment	FHA, VA, Jumbo	6	0.2%	100%	$346,666
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	5 +2 HELOCs	0.1%	83.3%	$291,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	5	0.1%	62.5%	$407,000
PHH Mortgage Corporation	Conventional, FHA	5	0.1%	100%	$421,000
Loanunited.Com, LLC	Conventional, FHA, VA	5	0.1%	83.3%	$301,000
The Anderson Financial Group, Inc.	Conventional	5	0.1%	100%	$157,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	5	0.1%	71.4%	$291,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	0.1%	100%	$477,000	View
First Jackson Bank, Inc	Conventional	5	0.1%	100%	$335,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	5	0.1%	100%	$297,000	View
Liberty Federal Credit Union	Conventional, HELOC	4 +2 HELOCs	0.1%	100%	$290,000
Redstone Federal Credit Union	Conventional, VA, HELOC	4 +2 HELOCs	0.1%	100%	$455,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	4	0.1%	100%	$422,500	View
Go Mortgage, LLC	Conventional	4	0.1%	100%	$320,000
Nbkc Bank	Conventional, VA	4	0.1%	100%	$382,500
Capital Concepts Inc	Conventional	4	0.1%	100%	$215,000
Filo Mortgage, LLC	Conventional, FHA	4	0.1%	100%	$340,000
Southern Bancorp Bank A5.0 ★Texas Ratio: 8.01%	Conventional	4	0.1%	100%	$200,000	View
Guaranty Mortgage Services, LLC A+5.0 ★Texas Ratio: 3.97%	Conventional, VA	4	0.1%	100%	$427,500	View
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.1%	100%	$187,500
Bay Equity LLC	Conventional, FHA, VA	4	0.1%	100%	$505,000
SIRVA Mortgage, Inc.	Conventional, VA	4	0.1%	100%	$455,000
Weichert Financial Services	Conventional	4	0.1%	100%	$347,500
Cardinal Financial Company, Li	Conventional, FHA, VA	4	0.1%	100%	$367,500
Milend, Inc A5.0 ★Texas Ratio: 8.17%	Conventional, VA	4	0.1%	83.3%	$360,000	View
The Mortgage Firm	Conventional	4	0.1%	100%	$195,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	4	0.1%	100%	$940,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	4	0.1%	100%	$592,500	View
Angel Oak Mortgage Solutions LLC	Conventional	4	0.1%	100%	$365,000
Top Flite Financial, Inc.	Conventional, FHA	4	0.1%	100%	$207,500
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	4	0.1%	100%	$397,500	View
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	3 +13 HELOCs	0.1%	80%	$335,000
Pentagon Federal Credit Union	Conventional, HELOC	3 +4 HELOCs	0.1%	42.9%	$201,666
Better Mortgage Corporation	Conventional, HELOC	3 +2 HELOCs	0.1%	50%	$248,333
State Employees' Credit Union	Conventional	3	0.1%	100%	$428,333
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	3	0.1%	100%	$401,666	View
Flat Branch Mortgage, Inc.	Conventional, FHA	3	0.1%	100%	$388,333
Provident Funding Associates	Conventional	3	0.1%	100%	$351,666
American Pacific Mortgage Corporation	FHA, VA	3	0.1%	75%	$291,666
Towne Mortgage Company	Conventional	3	0.1%	83.3%	$168,333
Iserve Residential Lending	FHA	3	0.1%	75%	$421,666
V.I.P. Mortgage, Inc.	Conventional, FHA, VA	3	0.1%	100%	$391,666
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	3	0.1%	75%	$451,666	View
Champions Funding, LLC	Conventional	3	0.1%	100%	$431,666
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +8 HELOCs	0.1%	100%	$325,000	View
American Airlines Federal Cred	Conventional	2	0.1%	100%	$305,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.1%	100%	$1,050,000	View
Residential Wholesale Mortgage	Conventional, VA	2	0.1%	100%	$260,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$115,000
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.1%	100%	$295,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0.1%	100%	$520,000	View
SWBC Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$390,000
Everett Financial, Inc.	FHA	2	0.1%	100%	$180,000
Aspire Home Loans	Conventional	2	0.1%	100%	$235,000
Acrisure Mortgage, LLC	Conventional	2	0.1%	100%	$340,000
Resicentral LLC	Conventional	2	0.1%	66.7%	$230,000
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$190,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$380,000
Homestead Funding Corp.	Conventional	2	0.1%	100%	$295,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	2	0.1%	100%	$250,000
Absolute Home Mortgage	Conventional, VA	2	0.1%	100%	$515,000
Intercoastal Mortgage, LLC	Conventional	2	0.1%	100%	$305,000
First National Community Bank	Conventional	2	0.1%	100%	$240,000
American Financing Corporation	Conventional	2	0.1%	54.5%	$305,000
Acu	Conventional	2	0.1%	100%	$415,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$360,000	View
Citizens Bank & Trust, Inc. A+5.0 ★Texas Ratio: 1.70%	Conventional	2	0.1%	100%	$305,000	View
First Colony Mortgage Corporat	Conventional, FHA	2	0.1%	100%	$310,000
Real Genius LLC	Conventional	2	0.1%	100%	$385,000
Land Home Financial Services,	Conventional	2	0.1%	100%	$270,000
Beeline Loans, Inc.	Conventional	2	0.1%	66.7%	$225,000
Intelliloan, Inc.	VA	2	0.1%	100%	$300,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.1%	100%	$260,000	View
Baxter Credit Union	Conventional	2	0.1%	66.7%	$605,000
Saygo Home Loans, LLC	FHA, VA	2	0.1%	100%	$305,000
Mission Loans, LLC	Conventional	2	0.1%	100%	$240,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0.1%	100%	$240,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$330,000	View
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$335,000
Endeavor Capital, LLC	Conventional, FHA	2	0.1%	100%	$130,000
Nations Direct Mortgage, LLC	VA	2	0.1%	100%	$455,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.1%	66.7%	$200,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$450,000	View
Bankplus A+5.0 ★Texas Ratio: 4.80%	Conventional	2	0.1%	100%	$505,000	View
ClearEdge Lending LLC	Conventional	2	0.1%	100%	$395,000
Lower, LLC	Conventional	2	0.1%	40%	$160,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, VA	2	0.1%	100%	$315,000	View
Hope Federal Credit Union	Conventional	2	0.1%	66.7%	$275,000
Loan Simple, Inc.	FHA	2	0.1%	100%	$305,000
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	Conventional	2	0.1%	100%	$175,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.1%	66.7%	$335,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +8 HELOCs	0%	50%	$115,000	View
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$305,000	View
Delta Community Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	50%	$275,000
Wings Financial Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$125,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$805,000	View
Georgia'S Own Credit Union	Conventional	1	0%	100%	$805,000
Alliant Credit Union	Conventional	1	0%	100%	$675,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$445,000	View
Ruoff Mortgage Company	FHA	1	0%	100%	$245,000
Cornerstone First Mortgage, LLC	VA	1	0%	100%	$365,000
Premier Mortgage Resources, LLC	FHA	1	0%	100%	$135,000
Zippy Loans, LLC	Conventional	1	0%	50%	$65,000
HomePromise Corporation	VA	1	0%	100%	$215,000
PromiseOne Bank	Conventional	1	0%	100%	$295,000
MortgageOne, Inc	Conventional	1	0%	100%	$405,000
Envoy Mortgage, Ltd	VA	1	0%	100%	$375,000
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$155,000
Gvc Mortgage, Inc.	Conventional	1	0%	100%	$285,000
Hancock Whitney Bank ★ 4 stars, 3 reviews A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0%	100%	$305,000	View
Loansteady LLC	Conventional	1	0%	100%	$355,000
Lcnb National Bank A+5.0 ★Texas Ratio: 2.05%	Conventional	1	0%	100%	$625,000	View
TruHome Solutions, LLC	Conventional	1	0%	100%	$665,000
United Trust Bank	FHA	1	0%	50%	$205,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$455,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0%	100%	$365,000	View
Princeton Mortgage Corporation	Conventional	1	0%	100%	$365,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$235,000	View
Reliant Home Funding, Inc	Conventional	1	0%	100%	$205,000
PriorityOne Bank A5.0 ★Texas Ratio: 12.03%	Conventional	1	0%	100%	$535,000	View
Catalyst Mortgage	VA	1	0%	100%	$385,000
Assurance Financial Group, L.L.C.	Conventional	1	0%	100%	$305,000
Onward Home Mortgage, LLC	Conventional	1	0%	100%	$275,000
Valon Mortgage	Conventional	1	0%	100%	$155,000
River Bank & Trust	Conventional	1	0%	100%	$245,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$595,000	View
HomeXpress Mortgage Corp.	Conventional	1	0%	100%	$345,000
First State Bank of St Charles	Conventional	1	0%	100%	$245,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$535,000	View
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional	1	0%	100%	$195,000	View
Mortgage Assurance Inc	Conventional	1	0%	100%	$665,000
Success Mortgage Partners, Inc	Conventional	1	0%	100%	$255,000
FirstTrust Home Loans	Conventional	1	0%	100%	$265,000
Standard Mortgage Corporation	Conventional	1	0%	100%	$185,000
Das Acquisition Company, LLC	Conventional	1	0%	100%	$165,000
JMJ Financial Group Inc.	VA	1	0%	100%	$325,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$805,000
Oceanside Mortgage Company	FHA	1	0%	100%	$235,000
American Security Mortgage Cor	Conventional	1	0%	100%	$325,000
East Coast Capital Corp.	Conventional	1	0%	100%	$265,000
Network Capital Funding Corporation	Conventional	1	0%	50%	$385,000
ClearPath Lending	VA	1	0%	100%	$385,000
Pioneer Appalachia Federal Credit Union	Conventional	1	0%	100%	$305,000
Securitynational Mortgage Company	FHA	1	0%	100%	$465,000
American Federal Mortgage Corporation	Conventional	1	0%	50%	$245,000
Mid-Continent Funding, Inc.	VA	1	0%	100%	$485,000
Total Mortgage Services, LLC	Conventional	1	0%	100%	$255,000
Congressional Federal Credit Union	Conventional	1	0%	100%	$155,000
Calcon Mutual Mortgage LLC	Conventional	1	0%	100%	$325,000
Ameritrust Mortgage Corporation	Conventional	1	0%	100%	$185,000
American Internet Mortgage, Inc.	Conventional	1	0%	50%	$255,000
Shoreham Bank	FHA	1	0%	100%	$25,000
Servis One, Inc	VA	1	0%	100%	$645,000
Transportation Federal Credit Union	Conventional	1	0%	100%	$75,000
First National Bank Texas A4.7 ★Texas Ratio: 3.20%	Conventional	1	0%	100%	$155,000	View
Loanpeople, LLC	Conventional	1	0%	100%	$235,000
Nations Lending Corporation	FHA	1	0%	100%	$145,000
Franklin Loan Corporation	Conventional	1	0%	100%	$135,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$305,000
Castle & Cooke Mortgage, LLC	VA	1	0%	100%	$715,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$165,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0%	100%	$195,000	View
Communityamerica Federal Credit Union	Conventional	1	0%	20%	$35,000
Home Access Financial, LLC	Conventional	1	0%	100%	$165,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$725,000	View
Georgia United Credit Union	Conventional	1	0%	100%	$155,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	VA	1	0%	100%	$305,000	View
The Northern Trust Co A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	1	0%	100%	$5,005,000	View
Hanscom Federal Credit Union	Conventional	1	0%	100%	$545,000
Midwest Bankcentre A+5.0 ★Texas Ratio: 5.66%	Conventional	1	0%	100%	$285,000	View
Uif Corporation	Conventional	1	0%	100%	$565,000
Peoples Bank and Trust Co A5.0 ★Texas Ratio: 7.49%	Conventional	1	0%	100%	$385,000	View
Home State Bank National Association A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0%	100%	$275,000	View
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$525,000	View
Veritas Funding, LLC	FHA	1	0%	50%	$175,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0%	100%	$805,000	View
PenAir Credit Union	Conventional	1	0%	100%	$225,000
Nmsi, Inc.	Conventional	1	0%	100%	$435,000
Southwest Stage Funding LLC	Conventional	1	0%	100%	$115,000

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Chattanooga Mortgage Rate Trends

Daily average mortgage rates for Tennessee compared with the national average, updated every evening.

30-Year Fixed TN Avg

7.337%

▲ 0.104 vs 7 days ago

15-Year Fixed TN Avg

6.671%

▲ 0.037 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Chattanooga, Tennessee

Looking for mortgage lenders near me or mortgage brokers near me in Chattanooga? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chattanooga in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Chattanooga, TN

Use these to narrow the list above. Each category shows how many Chattanooga, TN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 166 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 104 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 104 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 91 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 36 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TN 43 lenders headquartered in Tennessee, the closest thing to a mortgage lender near you

Who Lends in Chattanooga, TN

Independent mortgage companies closed 63.9 percent of home loans in Chattanooga, Tennessee in 2025, banks 27.3 percent and credit unions 8.8 percent. Community Mortgage Corporation was the largest mortgage company, Firstbank the largest bank and Chattanooga Area Schools Federal Credit Union the largest credit union. Among lenders headquartered in Tennessee, Firstbank led with 179 loans.

63.9%

Mortgage companies

27.3%

Banks

8.8%

Credit unions

15%

FHA loans

10%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Tennessee. State realty transfer tax of $0.37 per $100 of consideration (0.37 percent) plus a mortgage recordation tax of $0.115 per $100 of indebtedness above the first $2,000 (Tenn. Code 67-4-409).

More Tennessee Mortgage Lender Pages

All Tennessee lenders 1,032 lenders Nashville-Davidson metropolitan government 520 lenders Clarksville 296 lenders Memphis 307 lenders Knoxville 334 lenders Murfreesboro 287 lenders Franklin 258 lenders Lebanon 220 lenders Johnson City 198 lenders Kingsport 178 lenders Maryville 182 lenders Smyrna 182 lenders Gallatin 212 lenders

Frequently Asked Questions About Mortgage Lenders in Chattanooga, TN

Who is the largest mortgage lender in Chattanooga, TN?

By home loans closed in 2025, Firstbank was the largest mortgage lender in Chattanooga, Tennessee with 179 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Chattanooga, TN have the highest approval rates?

Among lenders with meaningful volume in Chattanooga, Tennessee, Alameda Mortgage Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 82.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Chattanooga, TN mortgage lenders offer FHA, VA and USDA loans?

104 lenders closed FHA loans in Chattanooga, Tennessee in 2025, led by Rocket Mortgage with 54. 91 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Chattanooga, TN lender list?

Yes. 104 banks and 30 credit unions closed home loans in Chattanooga, Tennessee in 2025, alongside 166 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Chattanooga, TN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Chattanooga, Tennessee during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Chattanooga, Tennessee for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Chattanooga. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.