Safe Rate Rankings

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