Safe Rate Rankings

Best FHA 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	Legends BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$3,154Fees	0.159%Below	156
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,938Fees	0.354%Below	370
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,413Fees	0.066%Above	129
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$3,008Fees	0.425%Below	120
5	Legacy Home Loans, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$3,577Fees	0.011%Above	99
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,873Fees	0.181%Above	77
7	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,130Fees	0.085%Above	66
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,432Fees	0.295%Above	367
9	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,452Fees	0.236%Above	101
10	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,086Fees	0.057%Below	92
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,822Fees	0.142%Below	65
12	First Federal BankBank	Strong	Strong	Sound	Strong	Strong	$768Fees	0.170%Above	53
13	Renasant BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,470Fees	0.213%Above	51
14	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$2,652Fees	0.213%Below	47
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,932Fees	0.036%Above	474
16	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,456Fees	0.057%Above	138
17	COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	Sound	$2,908Fees	0.000%Above	29
18	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,923Fees	0.244%Above	23
19	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,183Fees	0.419%Above	19
20	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$2,622Fees	0.414%Above	15
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,272Fees	0.468%Above	874
22	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,018Fees	0.330%Above	152
23	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,143Fees	0.292%Above	101
24	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,946Fees	0.295%Above	49
25	Regions BankBank	Strong	Sound	Exceptional	Sound	Sound	$1,914Fees	0.504%Above	39
26	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,670Fees	0.026%Below	32
27	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$328Fees	0.250%Above	19
28	United Community BankBank	Strong	Sound	Strong	Strong	Sound	$1,600Fees	0.239%Above	18
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,779Fees	0.131%Above	43
30	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,673Fees	0.366%Above	27
31	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,346Fees	0.478%Above	23
32	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,534Fees	1.013%Above	20
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,158Fees	0.543%Above	17
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,459Fees	0.483%Above	104
35	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,446Fees	0.582%Above	76
36	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,524Fees	0.104%Above	42
37	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,141Fees	0.529%Above	36
38	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,080Fees	0.351%Above	31
39	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,167Fees	1.540%Above	20
40	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,345Fees	0.669%Above	15
41	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$4,917Fees	0.567%Above	14
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$3,867Fees	0.383%Above	124
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,620Fees	0.201%Above	48
44	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,349Fees	0.711%Above	13

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.