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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Clarksville
Updated February 5, 2026
Market Overview
76
Total Lenders
5,274
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,224 | -0.582% | 154 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,938 | -0.354% | 370 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,873 | +0.181% | 77 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,932 | +0.036% | 474 | |
5 | Legends Bank | Strong | Sound | Strong | Exceptional | $3,154 | -0.159% | 156 | |
6 | ALTRA Federal Credit Union | Strong | Sound | Exceptional | Strong | $1,586 | +0.235% | 82 | |
7 | First Federal Bank | Strong | Strong | Sound | Strong | $768 | +0.170% | 53 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,432 | +0.295% | 367 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,413 | +0.066% | 129 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,008 | -0.425% | 120 | |
11 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | $3,577 | +0.011% | 99 | |
12 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $2,086 | -0.057% | 92 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,822 | -0.142% | 65 | |
14 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $2,908 | +0.000% | 29 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,918 | +0.331% | 27 | |
16 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Sound | $3,923 | +0.244% | 23 | |
17 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $3,802 | -0.136% | 21 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,272 | +0.468% | 874 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,456 | +0.057% | 138 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,143 | +0.292% | 101 | |
21 | Fortera Federal Credit Union | Strong | Sound | Acceptable | Exceptional | $1,363 | +0.135% | 96 | |
22 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,130 | +0.085% | 66 | |
23 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,596 | -0.291% | 54 | |
24 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $3,470 | +0.213% | 51 | |
25 | PENTAGON FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $2,652 | -0.213% | 47 | |
26 | Regions Bank | Strong | Sound | Strong | Sound | $1,914 | +0.504% | 39 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,018 | +0.330% | 152 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,459 | +0.483% | 104 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,452 | +0.236% | 101 | |
30 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $1,946 | +0.295% | 49 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,779 | +0.131% | 43 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $3,080 | +0.351% | 31 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,673 | +0.366% | 27 | |
34 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $2,932 | +0.053% | 22 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,867 | +0.383% | 124 | |
36 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,620 | +0.201% | 48 | |
37 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $3,243 | +0.157% | 29 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $1,346 | +0.478% | 23 | |
39 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $1,841 | +0.495% | 22 | |
40 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,534 | +1.013% | 20 | |
41 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Strong | $2,446 | +0.582% | 76 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,524 | +0.104% | 42 | |
43 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,670 | -0.026% | 32 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Sound | $4,141 | +0.529% | 36 | |
45 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Sound | $5,472 | +0.543% | 25 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $5,836 | +1.490% | 34 | |
47 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $2,167 | +1.540% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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