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