Clarksville VA Loan Rates, Closing Costs & Stats

CLARKSVILLE, TN-KY

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 0.23% for the week of 2025-06-20, 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 (2025-06-13) was 6.47% and one month ago for the week of 2025-05-16, the average rate was 6.63%.

The average rate one year ago was 6.53%.

For refis of the same type during the week of 2025-06-20, the average rate was -0.41%.

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.