Safe Rate Rankings

Best All Lender Mortgage Lenders in Clarksville

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders76

Total Loans5,274

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,224Fees	0.582%Below	154
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,938Fees	0.354%Below	370
3	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,873Fees	0.181%Above	77
4	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,932Fees	0.036%Above	474
5	Legends BankBank	Strong	Sound	Strong	Exceptional	$3,154Fees	0.159%Below	156
6	ALTRA Federal Credit UnionCredit Union	Strong	Sound	Exceptional	Strong	$1,586Fees	0.235%Above	82
7	First Federal BankBank	Strong	Strong	Sound	Strong	$768Fees	0.170%Above	53
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,432Fees	0.295%Above	367
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,413Fees	0.066%Above	129
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,008Fees	0.425%Below	120
11	Legacy Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,577Fees	0.011%Above	99
12	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,086Fees	0.057%Below	92
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,822Fees	0.142%Below	65
14	COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,908Fees	0.000%Above	29
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,918Fees	0.331%Above	27
16	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,923Fees	0.244%Above	23
17	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,802Fees	0.136%Below	21
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,272Fees	0.468%Above	874
19	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,456Fees	0.057%Above	138
20	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,143Fees	0.292%Above	101
21	Fortera Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Exceptional	$1,363Fees	0.135%Above	96
22	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,130Fees	0.085%Above	66
23	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$2,596Fees	0.291%Below	54
24	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$3,470Fees	0.213%Above	51
25	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$2,652Fees	0.213%Below	47
26	Regions BankBank	Strong	Sound	Strong	Sound	$1,914Fees	0.504%Above	39
27	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,018Fees	0.330%Above	152
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,459Fees	0.483%Above	104
29	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,452Fees	0.236%Above	101
30	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,946Fees	0.295%Above	49
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,779Fees	0.131%Above	43
32	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$3,080Fees	0.351%Above	31
33	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,673Fees	0.366%Above	27
34	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Exceptional	Sound	$2,932Fees	0.053%Above	22
35	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,867Fees	0.383%Above	124
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,620Fees	0.201%Above	48
37	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,243Fees	0.157%Above	29
38	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,346Fees	0.478%Above	23
39	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,841Fees	0.495%Above	22
40	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,534Fees	1.013%Above	20
41	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,446Fees	0.582%Above	76
42	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,524Fees	0.104%Above	42
43	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,670Fees	0.026%Below	32
44	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,141Fees	0.529%Above	36
45	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$5,472Fees	0.543%Above	25
46	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$5,836Fees	1.490%Above	34
47	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$2,167Fees	1.540%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.