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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 Conventional Mortgage Lenders in Clarksville

Updated February 5, 2026

Market Overview

Total Lenders

5,274

Total Loans

0.24%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,224	-0.582%	154
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,873	+0.181%	77
3	ALTRA Federal Credit Union	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,586	+0.235%	82
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,938	-0.354%	370
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,432	+0.295%	367
6	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$2,086	-0.057%	92
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,822	-0.142%	65
8	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,918	+0.331%	27
9	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,932	+0.036%	474
10	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$3,008	-0.425%	120
11	Legacy Home Loans, LLC	Strong	Sound	Strong	Strong	Strong	$3,577	+0.011%	99
12	Fortera Federal Credit Union	Strong	Sound	Sound	Strong	Exceptional	$1,363	+0.135%	96
13	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$3,080	+0.351%	31
14	COMMUNITY MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Sound	$2,908	+0.000%	29
15	Ameris Bank	Strong	Sound	Exceptional	Strong	Sound	$2,183	+0.419%	19
16	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,582	+0.057%	17
17	FirstBank	Strong	Sound	Exceptional	Strong	Sound	$2,622	+0.414%	15
18	First Horizon Bank	Strong	Sound	Exceptional	Strong	Sound	$1,985	+0.112%	13
19	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,018	+0.330%	152
20	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,456	+0.057%	138
21	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,459	+0.483%	104
22	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,143	+0.292%	101
23	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,452	+0.236%	101
24	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,130	+0.085%	66
25	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,470	+0.213%	51
26	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Strong	Strong	Sound	$3,802	-0.136%	21
27	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,272	+0.468%	874
28	Legends Bank	Strong	Acceptable	Sound	Strong	Exceptional	$3,154	-0.159%	156
29	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,867	+0.383%	124
30	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Strong	$2,596	-0.291%	54
31	First Federal Bank	Strong	Sound	Sound	Sound	Strong	$768	+0.170%	53
32	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,620	+0.201%	48
33	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,779	+0.131%	43
34	Regions Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,914	+0.504%	39
35	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Sound	$4,141	+0.529%	36
36	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,243	+0.157%	29
37	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,346	+0.478%	23
38	MORTGAGE INVESTORS GROUP, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,923	+0.244%	23
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$4,259	+0.301%	19
40	United Community Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,600	+0.239%	18
41	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,733	+0.394%	16
42	VAN DYK MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$1,946	+0.295%	49
43	PENTAGON FEDERAL CREDIT UNION	Strong	Acceptable	Strong	Sound	Strong	$2,652	-0.213%	47
44	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,670	-0.026%	32
45	Magnolia Bank, Incorporated	Strong	Acceptable	Strong	Strong	Sound	$2,932	+0.053%	22
46	CHURCHILL MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$3,460	+0.155%	17
47	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,524	+0.104%	42
48	GARDNER FINANCIAL SERVICES, LTD.	Sound	Mediocre	Strong	Strong	Sound	$4,345	+0.669%	15
49	Farm Credit Mid-America, ACA	Sound	Mediocre	Strong	Sound	Sound	$5,472	+0.543%	25
50	F&M Bank	Sound	Mediocre	Acceptable	Sound	Sound	$2,956	+1.152%	16

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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Clarksville, TNConventional

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