Mortgage lending in Chattanooga, TN-GA
14,798 mortgages were originated in the Chattanooga, TN-GA area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,798
- Median rate
- 6.625%
- Median lender fees
- $5,782
- Median loan amount
- $235,000
- Median spread over APOR
- 0.274
- Paid discount points
- 39%
- Received lender credits
- 20.9%
- Purchases / refinances
- 51.2% / 31.3%
- Conventional / FHA / VA
- 75.5% / 15.4% / 8.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Chattanooga, TN-GA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,082 | $5,474 | 6.625% |
| TENNESSEE VALLEY FCU | 1,007 | $4,956 | 6.625% |
| FirstBank | 640 | $5,771 | 6.750% |
| Regions Bank | 618 | — | 4.990% |
| UNION HOME MORTGAGE CORP. | 548 | $7,230 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 521 | $8,900 | 6.000% |
| MOVEMENT MORTGAGE, LLC | 519 | $5,706 | 6.625% |
| CMG MORTGAGE, INC. | 436 | $6,145 | 6.625% |
| Truist Bank | 366 | $4,689 | 6.612% |
| SUMMIT FUNDING, INC. | 345 | $9,725 | 6.990% |