Safe Rate Rankings

Best VA Mortgage Lenders in Clarksville

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Clarksville Market Insights

Guaranteed Rate is Safe Rate's top-ranked VA lender in Clarksville, leading on pricing, pullthrough, VA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Clarksville, Nbkc Bank and Navy Federal Credit Union scores highest on VA pricing while Altra Federal Credit Union and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Clarksville, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Clarksville: Rocket Mortgage (#9) and Mortgage Research Center (#5).

Explore Rankings by Type

Overall Rankings

All lenders in Clarksville

Need rankings for a different loan product?

FHA Loans Conventional Loans USDA Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,932Fees	0.036%Above	474
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Strong*	Exceptional	Exceptional	Exceptional	$2,938Fees	0.354%Below	370
3	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,224Fees	0.582%Below	154
4	ALTRA Federal Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Exceptional	Strong	$1,586Fees	0.235%Above	82
5	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,272Fees	0.468%Above	874
6	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$3,143Fees	0.292%Above	101
7	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,086Fees	0.057%Below	92
8	NBKC BANK BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$2,915Fees	0.842%Below	12
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,432Fees	0.295%Above	367
10	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,413Fees	0.066%Above	129
11	Legends Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$3,154Fees	0.159%Below	156
12	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$3,008Fees	0.425%Below	120
13	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,873Fees	0.181%Above	77
14	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,456Fees	0.057%Above	138
15	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,452Fees	0.236%Above	101
16	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$1,130Fees	0.085%Above	66
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,822Fees	0.142%Below	65
18	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$2,779Fees	0.131%Above	43
19	Legacy Home Loans, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,577Fees	0.011%Above	99
20	USAA Federal Savings Bank BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,596Fees	0.291%Below	54
21	PENTAGON FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Exceptional	Sound	Strong	$2,652Fees	0.213%Below	47
22	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Sound	$1,346Fees	0.478%Above	23
23	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,459Fees	0.483%Above	104
24	United Community Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$1,600Fees	0.239%Above	18
25	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,670Fees	0.026%Below	32
26	INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Sound	$3,802Fees	0.136%Below	21
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,259Fees	0.301%Above	19
28	Fortera Federal Credit Union Credit UnionDirect	Strong	Sound	Strong	Sound	Exceptional	$1,363Fees	0.135%Above	96
29	SOUTHWEST FUNDING, LP Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,446Fees	0.582%Above	76
30	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,018Fees	0.330%Above	152
31	Regions Bank BankDirect	Strong	Sound	Strong	Sound	Sound	$1,914Fees	0.504%Above	39
32	COMMUNITY MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Sound	$2,908Fees	0.000%Above	29
33	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$3,080Fees	0.351%Above	31
34	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,673Fees	0.366%Above	27
35	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Strong	$3,867Fees	0.383%Above	124
36	First Federal Bank BankDirect	Strong	Strong	Sound	Sound	Strong	$768Fees	0.170%Above	53
37	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,141Fees	0.529%Above	36
38	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,620Fees	0.201%Above	48
39	Magnolia Bank, Incorporated BankDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,932Fees	0.053%Above	22
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,158Fees	0.543%Above	17
41	MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$1,841Fees	0.495%Above	22
42	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,243Fees	0.157%Above	29
43	Nations Lending Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	Sound	$328Fees	0.250%Above	19
44	LoanUnited.com, LLC Independent Mortgage CompanyWholesale	Sound	Sound*	Exceptional	Sound	Sound	$3,551Fees	0.265%Below	15
45	VAN DYK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Strong	$1,946Fees	0.295%Above	49
46	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,917Fees	0.567%Above	14
47	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,524Fees	0.104%Above	42
48	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$4,534Fees	1.013%Above	20
49	NEW DAY FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Sound	$5,836Fees	1.490%Above	34
50	The Federal Savings Bank BankDirect	Sound	Mediocre	Exceptional	Sound	Sound	$4,752Fees	1.004%Above	15

❓ Frequently Asked Questions

How are mortgage lenders ranked in Clarksville, TN?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Clarksville, TN), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Clarksville, TN?+

Based on 2024 HMDA data, 76 lenders originated a combined 5,274 loans in Clarksville, TN. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Clarksville, TN?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Clarksville, TN is 0.24%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Clarksville, TN's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.