# Best VA Mortgage Lenders in Clarksville, TN

**As of:** 2026-05-20

Compare the top VA mortgage lenders in Clarksville, TN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/clarksville-tn/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 76
- **Total Loans:** 5,274
- **Median Rate Spread:** 0.23814666666666667%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 370 | Independent Mortgage Company |
| 2 | GUARANTEED RATE, INC. | 89 | 79 | 70 | 474 | Independent Mortgage Company |
| 3 | ALTRA Federal Credit Union | 89 | 85 | 87 | 82 | Credit Union |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 129 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 120 | Independent Mortgage Company |
| 6 | GERSHMAN INVESTMENT CORP. | 85 | 65 | 77 | 92 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 85 | 71 | 65 | 77 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 154 | Credit Union |
| 9 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 101 | Independent Mortgage Company |
| 10 | SWBC MORTGAGE CORPORATION | 83 | 45 | 85 | 66 | Independent Mortgage Company |
| 11 | NBKC BANK | 83 | 91 | 75 | 12 | Bank |
| 12 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 367 | Independent Mortgage Company |
| 13 | Legends Bank | 79 | 49 | 79 | 156 | Bank |
| 14 | Flagstar Bank, N.A. | 79 | 56 | 68 | 101 | Bank |
| 15 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 65 | Independent Mortgage Company |
| 16 | USAA Federal Savings Bank | 79 | 62 | 58 | 54 | Bank |
| 17 | PENTAGON FEDERAL CREDIT UNION | 79 | 66 | 58 | 47 | Credit Union |
| 18 | AMERICAN FINANCIAL NETWORK, INC. | 79 | 75 | 63 | 23 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 77 | 45 | 81 | 43 | Independent Mortgage Company |
| 20 | Mortgage Research Center, LLC | 75 | 34 | 61 | 874 | Independent Mortgage Company |
| 21 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 138 | Independent Mortgage Company |
| 22 | Legacy Home Loans, LLC | 74 | 43 | 79 | 99 | Independent Mortgage Company |
| 23 | United Community Bank | 74 | 71 | 70 | 18 | Bank |
| 24 | Fortera Federal Credit Union | 73 | 56 | 53 | 96 | Credit Union |
| 25 | NEWREZ LLC | 73 | 47 | 63 | 32 | Independent Mortgage Company |
| 26 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 31 | Independent Mortgage Company |
| 27 | INTERCOASTAL MORTGAGE, LLC | 73 | 46 | 81 | 21 | Independent Mortgage Company |
| 28 | STOCKTON MORTGAGE CORPORATION | 71 | 22 | 65 | 152 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 104 | Independent Mortgage Company |
| 30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 33 | 83 | 19 | Independent Mortgage Company |
| 31 | First Federal Bank | 69 | 61 | 50 | 53 | Bank |
| 32 | LoanUnited.com, LLC | 68 | 47 | 53 | 15 | Independent Mortgage Company |
| 33 | SOUTHWEST FUNDING, LP | 67 | 28 | 77 | 76 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 66 | 20 | 69 | 48 | Independent Mortgage Company |
| 35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 66 | 29 | 74 | 36 | Independent Mortgage Company |
| 36 | COMMUNITY MORTGAGE CORPORATION | 66 | 32 | 81 | 29 | Independent Mortgage Company |
| 37 | LOWER, LLC | 66 | 25 | 63 | 29 | Independent Mortgage Company |
| 38 | GUILD MORTGAGE COMPANY LLC | 66 | 22 | 77 | 27 | Independent Mortgage Company |
| 39 | Magnolia Bank, Incorporated | 66 | 30 | 74 | 22 | Bank |
| 40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 22 | Independent Mortgage Company |
| 41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 22 | 79 | 17 | Independent Mortgage Company |
| 42 | Regions Bank | 64 | 54 | 59 | 39 | Bank |
| 43 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 42 | Independent Mortgage Company |
| 44 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 20 | Independent Mortgage Company |
| 45 | Nations Lending Corporation | 59 | 15 | 80 | 19 | Independent Mortgage Company |
| 46 | AMERISAVE MORTGAGE CORPORATION | 58 | 21 | 42 | 20 | Independent Mortgage Company |
| 47 | VAN DYK MORTGAGE CORPORATION | 57 | 19 | 64 | 49 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 124 | Independent Mortgage Company |
| 49 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 10 | 79 | 14 | Independent Mortgage Company |
| 50 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 34 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Clarksville, TN.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.