Clarksville VA Loan Rates, Closing Costs & Stats

CLARKSVILLE, TN-KY

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Clarksville's 160 lenders originated 3,931 VA loans during 2024. The total origination value was $1,270,135,000, with an average VA loan value of $323,107.

    Clarksville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Clarksville averaged 0.33% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Clarksville's average VA mortgage closing costs are $6,187.

    The average rate for the prior week (2025-06-27) was 6.66% and one month ago for the week of 2025-05-30, the average rate was 6.69%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.31%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Clarksville VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Clarksville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 816 6.22% $5,840
    UNITED WHOLESALE MORTGAGE, LLC 389 5.84% $7,146
    GUARANTEED RATE, INC. 347 6.07% $6,358
    FREEDOM MORTGAGE CORPORATION 165 6.16% $8,702
    QUICKEN LOANS, LLC 151 5.95% $9,758
    PENNYMAC LOAN SERVICES, LLC 148 5.71% $8,456
    NAVY FEDERAL CREDIT UNION 124 5.86% $7,736
    CROSSCOUNTRY MORTGAGE, LLC 86 6.33% $6,658
    Legends Bank 73 5.93% $12,173
    FIRST COMMUNITY MORTGAGE, INC. 71 6.11% $10,447
    STOCKTON MORTGAGE CORPORATION 68 6.28% $10,403
    BROKER SOLUTIONS, INC. 63 6.42% $10,217
    VILLAGE CAPITAL MORTGAGE 58 5.84% $6,239
    SOUTHWEST FUNDING, LP 57 6.66% $6,743
    GERSHMAN INVESTMENT CORP. 57 5.88% $5,244
    Legacy Home Loans, LLC 55 6.14% $12,103
    Flagstar Bank, FSB 49 6.46% $8,692
    USAA Federal Savings Bank 49 6.07% $9,137
    NEWREZ LLC 43 5.76% $8,021
    CMG MORTGAGE, INC. 36 6.34% $10,509
    LOANDEPOT.COM, LLC 32 5.77% $10,399
    NEW DAY FINANCIAL, LLC 32 7.52% $13,076
    SWBC MORTGAGE CORPORATION 31 6.24% $4,585
    VAN DYK MORTGAGE CORPORATION 31 6.32% $6,373
    Carrington Mortgage Services, LLC 30 6.08% $7,668
    PENTAGON FEDERAL CREDIT UNION 30 5.98% $12,470
    MORTGAGE SOLUTIONS OF COLORADO, LLC 28 6.98% $5,933
    MOVEMENT MORTGAGE, LLC 25 6.22% $9,953
    LAKEVIEW LOAN SERVICING, LLC 24 5.67% $5,651
    Mr. Cooper ( Nationstar Mortgage ) 24 6.29% $11,845
    PLANET HOME LENDING, LLC 21 5.91% $3,980
    Fortera Federal Credit Union 19 6.13% $5,932
    MUTUAL OF OMAHA MORTGAGE, INC. 17 6.09% $9,687
    Magnolia Bank 13 5.88% $16,255
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 13 6.66% $5,780
    EAGLE HOME MORTGAGE, LLC 13 4.08% $6,092
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 6.03% $8,554
    U.S. Bank 12 6.12% $8,117
    INTERCOASTAL MORTGAGE COMPANY 12 5.73% $9,640
    The Federal Savings Bank 11 6.52% $10,623
    HOMESIDE FINANCIAL, LLC 11 6.50% $11,930
    GUILD MORTGAGE COMPANY 11 6.30% $11,298
    Nations Lending Corporation 11 6.53% $7,872
    First Federal Bank 10 6.21% $7,475
    COMMUNITY MORTGAGE CORPORATION 10 6.22% $10,941
    CLEARPATH LENDING 10 5.73% $9,351
    NBKC BANK 10 5.73% $8,748
    Prosperity Home Mortgage, LLC 9 5.96% $7,721
    CARDINAL FINANCIAL 8 6.98% $14,097
    NVR Mortgage Finance, Inc. 8 5.48% $10,718
    AMERICAN FINANCIAL NETWORK, INC. 8 6.59% $3,629
    Paramount Residential Mortgage Group, Inc. 8 6.52% $12,064
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 6.50% $11,478
    ROSS MORTGAGE CORPORATION 7 5.75% $10,917
    DAS Acquisition Company, LLC 7 6.29% $6,575
    Equity Prime Mortgage LLC 7 7.04% $11,959
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.70% $9,235
    GoPrime Mortgage, Inc. 7 5.80% $7,650
    Barrington Bank & Trust Company, N.A. 7 6.43% $7,364
    ALTRA 7 5.82% $8,040
    Plains Commerce Bank 7 6.39% $10,114
    First Federal Bank 6 5.69% $7,089
    SUN WEST MORTGAGE COMPANY, INC. 6 5.64% $4,716
    AMERISAVE MORTGAGE CORPORATION 6 5.83% $17,535
    United Community Bank 6 5.96% $7,108
    Texana Bank 5 6.60% $8,288
    Midwest Mortgage Associates Corporation 5 6.48% $7,323
    Regions Bank 5 6.33% $10,138
    PHH Mortgage Corporation 5 5.62% $4,466
    HOMEBRIDGE FINANCIAL SERVICES, INC. 5 6.55% $5,091
    Armed Forces Bank 4 5.88% $11,552
    MORTGAGE INVESTORS GROUP, INC. 4 5.68% $5,954
    PLAZA HOME MORTGAGE, INC. 4 6.31% $13,597
    LADERA LENDING, INC. 4 6.47% $12,505
    MILEND, INC. 4 6.13% $8,750
    CHURCHILL MORTGAGE CORPORATION 4 6.03% $15,454
    LEADERONE FINANCIAL CORPORATION 4 6.53% $9,355
    Century Mortgage Company DBA Century Lending Company 4 5.72% $4,687
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.25% $6,798
    AMERICAN FINANCIAL RESOURCES, INC. 4 6.47% $7,127
    The Loan Store, Inc. 4 6.06% $13,635
    Ameris Bank 3 6.33% $12,079
    FLAT BRANCH MORTGAGE, INC. 3 6.75% $13,951
    First Horizon Bank 3 6.33% $5,230
    AMERICAN FINANCING CORPORATION 3 5.96% $27,433
    Ixonia Bank 3 7.00% $8,143
    CALCON MUTUAL MORTGAGE LLC 3 6.83% $4,463
    CANOPY MORTGAGE, LLC 3 5.50% $17,720
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.13% $8,662
    SECURITYNATIONAL MORTGAGE COMPANY 3 6.79% $13,053
    SeaTrust Mortgage Company 3 6.33% $13,672
    GENEVA FINANCIAL, LLC 3 6.58% $15,052
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 5.75% $7,020
    Presidential Bank, FSB 3 6.21% $7,336
    Northpointe Bank 3 5.75% $10,418
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 5.96% $13,481
    AmeriHome Mortgage Company, LLC 2 6.13% $6,173
    NFM, INC. 2 6.31% $12,465
    North American Savings Bank, F.S.B. 2 6.19% $7,547
    Wells Fargo Bank 2 6.13% $8,822
    Truist 2 6.44% $2,650
    BAY EQUITY LLC 2 6.69% $6,053
    Old National Bank 2 5.75% $6,656
    FirstBank 2 6.06% $6,435
    POLARIS HOME FUNDING CORP. 2 7.00% $8,824
    EVANSVILLE TEACHERS 2 6.25% $14,459
    MORTGAGEONE, INC. 2 7.63% $6,957
    TOWNE MORTGAGE COMPANY 2 6.44% $10,607
    American Mortgage & Equity Consultants, Inc. 2 6.50% $17,051
    NORWICH COMMERCIAL GROUP, INC. 1 6.63% $6,047
    ACOPIA, LLC 1 7.13% $7,740
    ALLIANT CREDIT UNION 1 5.25% $14,856
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $10,281
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.75% $9,196
    Arvest Bank 1 7.38% $9,687
    BancorpSouth 1 5.63% $6,817
    BAYSHORE MORTGAGE FUNDING, LLC 1 5.38% $5,211
    Bell Bank 1 6.00% $9,486
    Blue Ridge Bank 1 6.63% $10,537
    Citizens Bank 1 6.25% $3,558
    City Lending Inc. 1 6.50% $12,163
    CONTOUR MORTGAGE CORPORATION 1 7.13% $12,574
    DELMAR FINANCIAL COMPANY 1 7.13% $6,414
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.13% $4,562
    Fifth Third Bank 1 5.75% $3,918
    First Bank 1 6.13% $2,209
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $7,632
    Granite Community Bank 1 5.63% $8,316
    GUARANTEED RATE AFFINITY, LLC 1 5.25% $5,933
    HomePromise Corporation 1 7.00% $10,649
    INTERLINC MORTGAGE SERVICES, LLC 1 6.63% $12,218
    ISERVE RESIDENTIAL LENDING, LLC 1 5.75% $8,212
    JMAC LENDING, INC. 1 6.13% $7,891
    JPMorgan Chase Bank 1 5.75% $500
    Lakeview Community Capital, LLC 1 6.25% $4,365
    Mid-Continent Funding, Inc. 1 6.00% $5,249
    NATIONS DIRECT MORTGAGE, LLC 1 7.25% $9,328
    1ST SIGNATURE LENDING, LLC 1 6.75% $5,620
    OPEN MORTGAGE, LLC 1 7.25% $150
    Pinnacle Bank 1 6.25% $17,644
    PNC Bank 1 6.50% $5,922
    PREMIER LENDING, INC. 1 6.75% $3,846
    RANLIFE, INC. 1 7.25% $7,424
    RELIANCE FIRST CAPITAL, LLC 1 7.00% $8,349
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.25% $5,985
    RESOURCE FINANCIAL SERVICES, INC. 1 5.49% $12,104
    ROYAL UNITED MORTGAGE LLC 1 6.25% $16,809
    Sandy Spring Bank 1 5.99% $2,668
    SHELTER LENDING SERVICES, L.L.C. 1 5.75% $2,906
    SmartBank 1 6.13% $5,725
    Stride Bank 1 7.00% $5,621
    Strong Home Mortgage, LLC 1 5.25% $21,443
    SUMMIT FUNDING, INC. 1 5.75% $11,387
    T2 FINANCIAL LLC 1 6.25% $11,663
    TOTAL MORTGAGE SERVICES, LLC 1 7.25% $11,430
    UNION HOME MORTGAGE CORP. 1 6.00% $19,247
    UNITED HOME LOANS, INC. 1 6.00% $8,596
    VERITAS FUNDING, LLC 1 6.75% $19,126
    V.I.P. MORTGAGE, INC. 1 5.75% $16,186
    ZILLOW HOME LOANS, LLC 1 6.25% $6,764

    The top Clarksville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 816 VA loans originated. Their average total fees are $5,840, which is $1,306 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Clarksville VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($3,980), SWBC MORTGAGE CORPORATION ($4,585), GERSHMAN INVESTMENT CORP. ($5,244), LAKEVIEW LOAN SERVICING, LLC ($5,651) and HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($5,780).

    The lowest rate Clarksville VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.08%), LAKEVIEW LOAN SERVICING, LLC (5.67%), PENNYMAC LOAN SERVICES, LLC (5.71%), CLEARPATH LENDING (5.73%) and NBKC BANK (5.73%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.