CLARKSVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Clarksville averaged
6.69%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.79% and
one month ago for the week of 2025-05-29, the
average rate was 7.01%.
Clarksville's average rate one year ago was 7.08%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.28%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Clarksville 30 Year Fixed Rate | 2025-07-03 | 6.69% |
| Clarksville 30 Year Fixed Rate Refi | 2025-07-03 | 7.28% |
| Clarksville 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Clarksville 15 Year Fixed Rate Refi | 2025-07-03 | 5.8% |
| Clarksville 30 Year FHA | 2025-07-03 | 0.11% |
| Clarksville 30 Year FHA Refi | 2025-07-03 | -0.16% |
| Clarksville 30 Year USDA | 2025-07-03 | -0.1% |
| Clarksville 30 Year USDA Refi | 2025-07-03 | 0% |
| Clarksville 30 Year VA | 2025-07-03 | 0.05% |
| Clarksville 30 Year VA Refi | 2025-07-03 | -0.39% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CLARKSVILLE, TN-KY.
CLARKSVILLE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CLARKSVILLE, TN-KY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CLARKSVILLE Average Closing Costs & Other Stats
CLARKSVILLE, TN-KY's 197 lenders originated 9,457
loans during 2024. The total origination value was $2,617,645,000, with an average loan value of
$276,794.
CLARKSVILLE's average closing costs are $5,972.
The top CLARKSVILLE lender as defined by loan originations is QUICKEN LOANS, LLC, with
139 loans originated. Their average total fees are
$6,600, which is $740
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee CLARKSVILLE lenders (with over 10 loans originated) are
SWBC MORTGAGE CORPORATION ($1,750), JPMorgan Chase Bank ($2,391), Mortgage Research Center, LLC ($3,763), Fortera Federal Credit Union ($4,440) and First Federal Bank ($4,447).
The lowest rate CLARKSVILLE lenders (with over 10 loans originated) are
SWBC MORTGAGE CORPORATION (4.85%), LOANDEPOT.COM, LLC (6.20%), COMMUNITY MORTGAGE CORPORATION (6.45%), Mortgage Research Center, LLC (6.49%) and NAVY FEDERAL CREDIT UNION (6.54%).
CLARKSVILLE, TN-KY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Mortgage Research Center, LLC | $330,785,000 | $289,360,000 | -12.5% | 11.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $103,515,000 | $180,060,000 | 73.9% | 6.9% |
| GUARANTEED RATE, INC. | $103,460,000 | $158,850,000 | 53.5% | 6.1% |
| QUICKEN LOANS, LLC | $99,555,000 | $114,060,000 | 14.6% | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | $52,805,000 | $72,200,000 | 36.7% | 2.8% |
| F&M Bank | $154,170,000 | $69,740,000 | -54.8% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $25,265,000 | $67,825,000 | 168.5% | 2.6% |
| Fortera Federal Credit Union | $46,445,000 | $62,510,000 | 34.6% | 2.4% |
| NAVY FEDERAL CREDIT UNION | $55,105,000 | $60,505,000 | 9.8% | 2.3% |
| Legends Bank | $23,530,000 | $56,010,000 | 138.0% | 2.1% |
| ALTRA | $44,500,000 | $50,145,000 | 12.7% | 1.9% |
| FIRST COMMUNITY MORTGAGE, INC. | $31,265,000 | $45,225,000 | 44.7% | 1.7% |
| First Financial Bank | $6,150,000 | $44,680,000 | 626.5% | 1.7% |
| BROKER SOLUTIONS, INC. | $25,745,000 | $41,195,000 | 60.0% | 1.6% |
| STOCKTON MORTGAGE CORPORATION | $27,145,000 | $40,365,000 | 48.7% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $31,515,000 | $38,730,000 | 22.9% | 1.5% |
| Planters Bank, Inc. | $114,830,000 | $38,280,000 | -66.7% | 1.5% |
| CMG MORTGAGE, INC. | $34,470,000 | $35,730,000 | 3.7% | 1.4% |
| Arbor Realty Trust, Inc. | $35,425,000 | n/a | 1.4% | |
| U.S. Bank | $30,500,000 | $32,180,000 | 5.5% | 1.2% |
| Flagstar Bank, FSB | $35,410,000 | $32,065,000 | -9.4% | 1.2% |
| Legacy Home Loans, LLC | $5,730,000 | $32,025,000 | 458.9% | 1.2% |
| GERSHMAN INVESTMENT CORP. | $5,235,000 | $31,050,000 | 493.1% | 1.2% |
| SOUTHWEST FUNDING, LP | $25,225,000 | n/a | 1.0% | |
| WALKER & DUNLOP, LLC | $8,945,000 | $24,300,000 | 171.7% | 0.9% |
| NEWREZ LLC | $7,635,000 | $22,200,000 | 190.8% | 0.8% |
| LOANDEPOT.COM, LLC | $15,125,000 | $21,105,000 | 39.5% | 0.8% |
| ALLIANT CREDIT UNION | $45,000 | $20,715,000 | 45,933.3% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $5,875,000 | $20,405,000 | 247.3% | 0.8% |
| Merchants Bank of Indiana | $20,250,000 | n/a | 0.8% | |
| USAA Federal Savings Bank | $18,810,000 | $19,955,000 | 6.1% | 0.8% |
| Wilson Bank And Trust | $1,530,000 | $19,575,000 | 1,179.4% | 0.7% |
| GREYSTONE SERVICING COMPANY LLC | $18,445,000 | n/a | 0.7% | |
| First Federal Bank | $1,200,000 | $17,790,000 | 1,382.5% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,780,000 | $17,435,000 | 36.4% | 0.7% |
| Regions Bank | $17,130,000 | $17,420,000 | 1.7% | 0.7% |
| United Southern Bank | $19,850,000 | $17,365,000 | -12.5% | 0.7% |
| PENTAGON FEDERAL CREDIT UNION | $29,815,000 | $16,375,000 | -45.1% | 0.6% |
| SWBC MORTGAGE CORPORATION | $15,485,000 | $16,130,000 | 4.2% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $10,910,000 | $15,265,000 | 39.9% | 0.6% |
| VAN DYK MORTGAGE CORPORATION | $10,470,000 | $14,705,000 | 40.4% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $3,290,000 | $14,470,000 | 339.8% | 0.6% |
| Carrington Mortgage Services, LLC | $14,655,000 | $14,180,000 | -3.2% | 0.5% |
| Stock Yards Bank & Trust Company | $13,155,000 | n/a | 0.5% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $20,615,000 | $12,915,000 | -37.4% | 0.5% |
| Renasant Bank | $9,315,000 | $12,625,000 | 35.5% | 0.5% |
| NEW DAY FINANCIAL, LLC | $8,760,000 | $11,885,000 | 35.7% | 0.5% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $11,875,000 | n/a | 0.5% | |
| Farm Credit Mid-America, ACA | $4,835,000 | $10,885,000 | 125.1% | 0.4% |
| United Community Bank | $235,000 | $10,660,000 | 4,436.2% | 0.4% |
| Synovus Bank | $10,580,000 | n/a | 0.4% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $8,920,000 | $10,485,000 | 17.5% | 0.4% |
| EAGLE HOME MORTGAGE, LLC | $9,845,000 | n/a | 0.4% | |
| COMMUNITY MORTGAGE CORPORATION | $11,660,000 | $9,415,000 | -19.3% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $7,730,000 | $8,640,000 | 11.8% | 0.3% |
| GUILD MORTGAGE COMPANY | $960,000 | $8,310,000 | 765.6% | 0.3% |
| PLANET HOME LENDING, LLC | $4,970,000 | $8,220,000 | 65.4% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $15,910,000 | $8,140,000 | -48.8% | 0.3% |
| COLLIERS MORTGAGE LLC | $8,125,000 | n/a | 0.3% | |
| Traditions First Bank | $13,320,000 | $7,735,000 | -41.9% | 0.3% |
| INTERCOASTAL MORTGAGE COMPANY | $7,520,000 | n/a | 0.3% | |
| ORIX REAL ESTATE CAPITAL, LLC | $7,885,000 | $7,505,000 | -4.8% | 0.3% |
| Equity Prime Mortgage LLC | $1,725,000 | $7,075,000 | 310.1% | 0.3% |
| Wells Fargo Bank | $7,960,000 | $7,025,000 | -11.7% | 0.3% |
| Magnolia Bank | $2,580,000 | $6,900,000 | 167.4% | 0.3% |
| FIELD & MAIN BANK, INC. | $2,505,000 | $6,705,000 | 167.7% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,190,000 | $6,650,000 | 203.7% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $8,635,000 | $6,475,000 | -25.0% | 0.2% |
| FirstBank | $7,275,000 | $6,295,000 | -13.5% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $6,630,000 | $6,265,000 | -5.5% | 0.2% |
| Nations Lending Corporation | $4,035,000 | $6,250,000 | 54.9% | 0.2% |
| CARDINAL FINANCIAL | $12,270,000 | $6,155,000 | -49.8% | 0.2% |
| Ameris Bank | $4,895,000 | $6,130,000 | 25.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $6,570,000 | $5,730,000 | -12.8% | 0.2% |
| FNB Bank, Inc. | $3,755,000 | $5,695,000 | 51.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $12,245,000 | $5,485,000 | -55.2% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $8,275,000 | $5,435,000 | -34.3% | 0.2% |
| NBKC BANK | $3,920,000 | $5,065,000 | 29.2% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,945,000 | $4,895,000 | 151.7% | 0.2% |
| The Federal Savings Bank | $9,135,000 | $4,730,000 | -48.2% | 0.2% |
| Bank of America | $5,010,000 | $4,725,000 | -5.7% | 0.2% |
| JPMorgan Chase Bank | $6,860,000 | $4,480,000 | -34.7% | 0.2% |
| Ixonia Bank | $245,000 | $4,435,000 | 1,710.2% | 0.2% |
| Truist | $3,615,000 | $4,430,000 | 22.5% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,660,000 | $4,140,000 | 55.6% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $735,000 | $4,125,000 | 461.2% | 0.2% |
| GARDNER FINANCIAL SERVICES, LTD. | $870,000 | $4,025,000 | 362.6% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $7,935,000 | $3,770,000 | -52.5% | 0.1% |
| DAS Acquisition Company, LLC | $1,385,000 | $3,715,000 | 168.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $2,815,000 | $3,665,000 | 30.2% | 0.1% |
| Old National Bank | $975,000 | $3,650,000 | 274.4% | 0.1% |
| First Horizon Bank | $2,700,000 | $3,605,000 | 33.5% | 0.1% |
| AmeriHome Mortgage Company, LLC | $1,270,000 | $3,580,000 | 181.9% | 0.1% |
| NVR Mortgage Finance, Inc. | $3,470,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,665,000 | $3,440,000 | 29.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $5,455,000 | $3,390,000 | -37.9% | 0.1% |
| Citizens Bank | $12,275,000 | $3,380,000 | -72.5% | 0.1% |
| First Federal Bank | $1,200,000 | $3,260,000 | 171.7% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $2,660,000 | $3,175,000 | 19.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,930,000 | $3,095,000 | 5.6% | 0.1% |
| CLEARPATH LENDING | $2,585,000 | $3,050,000 | 18.0% | 0.1% |
| The Loan Store, Inc. | $380,000 | $3,005,000 | 690.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $3,335,000 | $2,995,000 | -10.2% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,665,000 | $2,975,000 | 78.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $3,905,000 | $2,970,000 | -23.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,510,000 | $2,950,000 | 95.4% | 0.1% |
| Pinnacle Bank | $2,610,000 | $2,935,000 | 12.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $560,000 | $2,870,000 | 412.5% | 0.1% |
| ROSS MORTGAGE CORPORATION | $2,250,000 | $2,850,000 | 26.7% | 0.1% |
| Figure Lending LLC | $1,765,000 | $2,800,000 | 58.6% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,635,000 | $2,735,000 | 67.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,770,000 | $2,715,000 | -2.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $3,150,000 | $2,700,000 | -14.3% | 0.1% |
| GoPrime Mortgage, Inc. | $2,225,000 | $2,580,000 | 16.0% | 0.1% |
| SeaTrust Mortgage Company | $6,155,000 | $2,500,000 | -59.4% | 0.1% |
| Midwest Mortgage Associates Corporation | $2,490,000 | n/a | 0.1% | |
| Fifth Third Bank | $2,215,000 | $2,460,000 | 11.1% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,330,000 | $2,440,000 | 83.5% | 0.1% |
| Abound Federal Credit Union | $2,405,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $3,005,000 | $2,340,000 | -22.1% | 0.1% |
| L & N Federal Credit Union | $2,280,000 | n/a | 0.1% | |
| NFM, INC. | $1,570,000 | $2,270,000 | 44.6% | 0.1% |
| COREVEST AMERICAN FINANCE LENDER LLC | $2,205,000 | n/a | 0.1% | |
| Discover Bank | $2,495,000 | $2,165,000 | -13.2% | 0.1% |
| MILEND, INC. | $2,155,000 | $2,165,000 | 0.5% | 0.1% |
| First Southern National Bank | $2,470,000 | $2,150,000 | -13.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,475,000 | $2,060,000 | 39.7% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $545,000 | $2,055,000 | 277.1% | 0.1% |
| BAY EQUITY LLC | $3,180,000 | $2,045,000 | -35.7% | 0.1% |
| Plains Commerce Bank | $6,185,000 | $2,045,000 | -66.9% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $1,565,000 | $1,935,000 | 23.6% | 0.1% |
| PHH Mortgage Corporation | $1,075,000 | $1,890,000 | 75.8% | 0.1% |
| LADERA LENDING, INC. | $1,570,000 | $1,875,000 | 19.4% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,200,000 | $1,865,000 | 55.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,890,000 | $1,850,000 | -2.1% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $1,140,000 | $1,845,000 | 61.8% | 0.1% |
| BMO Harris Bank | $435,000 | $1,830,000 | 320.7% | 0.1% |
| Armed Forces Bank | $620,000 | $1,820,000 | 193.5% | 0.1% |
| EVANSVILLE TEACHERS | $2,285,000 | $1,805,000 | -21.0% | 0.1% |
| Hometown Equity Mortgage, LLC | $1,785,000 | n/a | 0.1% | |
| BancorpSouth | $2,425,000 | $1,770,000 | -27.0% | 0.1% |
| CANOPY MORTGAGE, LLC | $3,230,000 | $1,730,000 | -46.4% | 0.1% |
| OCMBC, INC. | $1,335,000 | $1,700,000 | 27.3% | 0.1% |
| M&T Bank | $970,000 | $1,670,000 | 72.2% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,635,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $2,210,000 | $1,620,000 | -26.7% | 0.1% |
| First National Bank of Pennsylvania | $740,000 | $1,610,000 | 117.6% | 0.1% |
| Texana Bank | $1,605,000 | n/a | 0.1% | |
| ASCEND FEDERAL CREDIT UNION | $3,060,000 | $1,495,000 | -51.1% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $805,000 | $1,460,000 | 81.4% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,410,000 | $1,400,000 | -0.7% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $785,000 | $1,320,000 | 68.2% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,735,000 | $1,320,000 | -23.9% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,380,000 | $1,320,000 | -4.3% | 0.1% |
| MORTGAGEONE, INC. | $235,000 | $1,285,000 | 446.8% | 0.0% |
| Coastal Community Bank | $800,000 | $1,280,000 | 60.0% | 0.0% |
| PNC Bank | $2,145,000 | $1,270,000 | -40.8% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $810,000 | $1,265,000 | 56.2% | 0.0% |
| 1ST SIGNATURE LENDING, LLC | $990,000 | $1,225,000 | 23.7% | 0.0% |
| First National Bank of America | $155,000 | $1,225,000 | 690.3% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $470,000 | $1,225,000 | 160.6% | 0.0% |
| SERVICE ONE | $515,000 | $1,225,000 | 137.9% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,215,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $195,000 | $1,205,000 | 517.9% | 0.0% |
| Northpointe Bank | $2,220,000 | $1,155,000 | -48.0% | 0.0% |
| North American Savings Bank, F.S.B. | $285,000 | $1,135,000 | 298.2% | 0.0% |
| DELMAR FINANCIAL COMPANY | $285,000 | $1,120,000 | 293.0% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $205,000 | $1,105,000 | 439.0% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $690,000 | $1,075,000 | 55.8% | 0.0% |
| Presidential Bank, FSB | $690,000 | $1,075,000 | 55.8% | 0.0% |
| Bank of Tennessee | $515,000 | $1,060,000 | 105.8% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $725,000 | $1,035,000 | 42.8% | 0.0% |
| Citizens National Bank | $1,005,000 | n/a | 0.0% | |
| Financial Federal Bank | $1,585,000 | $955,000 | -39.7% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $795,000 | $950,000 | 19.5% | 0.0% |
| LOANPAL, LLC | $1,620,000 | $945,000 | -41.7% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $940,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $775,000 | $935,000 | 20.6% | 0.0% |
| NexBank | $1,685,000 | $910,000 | -46.0% | 0.0% |
| German American Bank | $55,000 | $905,000 | 1,545.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $215,000 | $890,000 | 314.0% | 0.0% |
| T2 FINANCIAL LLC | $1,950,000 | $890,000 | -54.4% | 0.0% |
| CB&S Bank, Inc. | $865,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $1,020,000 | $865,000 | -15.2% | 0.0% |
| ACOPIA, LLC | $4,380,000 | $855,000 | -80.5% | 0.0% |
| GMFS LLC | $840,000 | n/a | 0.0% | |
| Carroll Bank and Trust | $1,180,000 | $825,000 | -30.1% | 0.0% |
| Independence Bank of Kentucky | $1,500,000 | $825,000 | -45.0% | 0.0% |
| Mid-Continent Funding, Inc. | $3,300,000 | $825,000 | -75.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $430,000 | $825,000 | 91.9% | 0.0% |
| Bell Bank | $2,655,000 | $820,000 | -69.1% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $805,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $405,000 | $790,000 | 95.1% | 0.0% |
| Texas National Bank | $785,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $295,000 | $780,000 | 164.4% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $905,000 | $765,000 | -15.5% | 0.0% |
| First Citizens National Bank | $4,370,000 | $730,000 | -83.3% | 0.0% |
| First National Bank | $705,000 | n/a | 0.0% | |
| Ally Bank | $1,120,000 | $700,000 | -37.5% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $685,000 | n/a | 0.0% | |
| TENNESSEE TRUST MORTGAGE, INC | $450,000 | $680,000 | 51.1% | 0.0% |
| peoples trust and savings bank | $655,000 | n/a | 0.0% | |
| Citibank | $650,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $1,850,000 | $640,000 | -65.4% | 0.0% |
| TOWER COMMUNITY BANK | $1,000,000 | $610,000 | -39.0% | 0.0% |
| ServisFirst Bank | $1,565,000 | $605,000 | -61.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | $595,000 | 376.0% | 0.0% |
| Meade County Bank | $460,000 | $595,000 | 29.3% | 0.0% |
| ML Mortgage Corp. | $590,000 | n/a | 0.0% | |
| REDSTONE Federal Credit Union | $1,355,000 | $590,000 | -56.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $560,000 | $575,000 | 2.7% | 0.0% |
| Brighton Bank | $970,000 | $560,000 | -42.3% | 0.0% |
| JMAC LENDING, INC. | $560,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $560,000 | n/a | 0.0% | |
| SHELTER LENDING SERVICES, L.L.C. | $295,000 | $550,000 | 86.4% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $985,000 | $535,000 | -45.7% | 0.0% |
| City Lending Inc. | $520,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,785,000 | $510,000 | -71.4% | 0.0% |
| Alcova Mortgage LLC | $175,000 | $500,000 | 185.7% | 0.0% |
| SPRING EQ, LLC | $130,000 | $495,000 | 280.8% | 0.0% |
| Apex Bank | $390,000 | $490,000 | 25.6% | 0.0% |
| ENDEAVOR CAPITAL, LLC. | $505,000 | $490,000 | -3.0% | 0.0% |
| Strong Home Mortgage, LLC | $480,000 | n/a | 0.0% | |
| First State Bank of Forrest | $475,000 | n/a | 0.0% | |
| The Huntington National Bank | $1,555,000 | $470,000 | -69.8% | 0.0% |
| Capital City Home Loans, LLC | $455,000 | n/a | 0.0% | |
| Community Bank of Mississippi | $455,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $540,000 | $450,000 | -16.7% | 0.0% |
| First State Bank | $435,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $430,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $870,000 | $430,000 | -50.6% | 0.0% |
| Assurance Financial Group, L.L.C. | $425,000 | n/a | 0.0% | |
| First Bank | $425,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $425,000 | n/a | 0.0% | |
| AmRes Corporation | $205,000 | $420,000 | 104.9% | 0.0% |
| Home Bank | $415,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $415,000 | n/a | 0.0% | |
| Centennial Bank | $165,000 | $405,000 | 145.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $675,000 | $395,000 | -41.5% | 0.0% |
| Farmers Bank & Trust | $1,010,000 | $395,000 | -60.9% | 0.0% |
| OAKTREE FUNDING CORP. | $205,000 | $390,000 | 90.2% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $545,000 | $385,000 | -29.4% | 0.0% |
| The First National Bank of Middle Tennessee | $580,000 | $380,000 | -34.5% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $350,000 | $375,000 | 7.1% | 0.0% |
| Heritage Federal Credit Union | $375,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $370,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $370,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $620,000 | $365,000 | -41.1% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $470,000 | $365,000 | -22.3% | 0.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $365,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $1,195,000 | $365,000 | -69.5% | 0.0% |
| Gateway First Bank | $565,000 | $355,000 | -37.2% | 0.0% |
| GEO-CORP, INC. | $355,000 | n/a | 0.0% | |
| CapStar Bank | $3,395,000 | $345,000 | -89.8% | 0.0% |
| Blue Ridge Bank | $335,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $670,000 | $335,000 | -50.0% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $335,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $325,000 | n/a | 0.0% | |
| Sunflower Bank | $865,000 | $325,000 | -62.4% | 0.0% |
| The First National Bank of Carmi | $325,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $370,000 | $320,000 | -13.5% | 0.0% |
| HomePromise Corporation | $690,000 | $315,000 | -54.3% | 0.0% |
| TELHIO | $315,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $315,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $305,000 | n/a | 0.0% | |
| First Mid Bank & Trust | $305,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $305,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $305,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $875,000 | $295,000 | -66.3% | 0.0% |
| Mortgage Assurance Inc. | $245,000 | $295,000 | 20.4% | 0.0% |
| One Bank of Tennessee | $295,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $125,000 | $295,000 | 136.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $640,000 | $295,000 | -53.9% | 0.0% |
| Arvest Bank | $285,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $285,000 | n/a | 0.0% | |
| Leaders Credit Union | $390,000 | $285,000 | -26.9% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $285,000 | n/a | 0.0% | |
| Old Second National Bank | $285,000 | n/a | 0.0% | |
| TENNESSEE VALLEY | $285,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $285,000 | n/a | 0.0% | |
| Union Savings Bank | $285,000 | n/a | 0.0% | |
| CORNERSTONE FINANCIAL CREDIT UNION | $2,255,000 | $280,000 | -87.6% | 0.0% |
| TriStar Bank | $400,000 | $280,000 | -30.0% | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | $275,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $525,000 | $275,000 | -47.6% | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | $275,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $275,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $530,000 | $270,000 | -49.1% | 0.0% |
| Citadel Servicing Corporation | $265,000 | n/a | 0.0% | |
| Grow Financial Federal Credit Union | $265,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $155,000 | $265,000 | 71.0% | 0.0% |
| RANLIFE, INC. | $355,000 | $265,000 | -25.4% | 0.0% |
| ARC HOME LLC | $235,000 | $260,000 | 10.6% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $1,510,000 | $260,000 | -82.8% | 0.0% |
| Bank of Dickson | $345,000 | $255,000 | -26.1% | 0.0% |
| Farmers State Bank of Alto Pass | $255,000 | n/a | 0.0% | |
| NMSI, INC. | $255,000 | n/a | 0.0% | |
| S1L, Inc. | $195,000 | $255,000 | 30.8% | 0.0% |
| Sandy Spring Bank | $255,000 | n/a | 0.0% | |
| SmartBank | $255,000 | n/a | 0.0% | |
| The Farmers Bank | $150,000 | $255,000 | 70.0% | 0.0% |
| UNITED HOME LOANS, INC. | $255,000 | n/a | 0.0% | |
| US COMMUNITY | $255,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $245,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $265,000 | $245,000 | -7.5% | 0.0% |
| NEXERA HOLDING LLC | $245,000 | n/a | 0.0% | |
| University Bank | $245,000 | n/a | 0.0% | |
| BOKF | $515,000 | $235,000 | -54.4% | 0.0% |
| Granite Community Bank | $235,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $235,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $170,000 | $230,000 | 35.3% | 0.0% |
| Franklin Loan Corporation | $215,000 | $225,000 | 4.7% | 0.0% |
| Landmark National Bank | $225,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $585,000 | $225,000 | -61.5% | 0.0% |
| Stride Bank | $225,000 | n/a | 0.0% | |
| ALLTRU Federal Credit Union | $215,000 | n/a | 0.0% | |
| JOHNSONVILLE TVA EMPLOYEES CREDIT UNION | $330,000 | $215,000 | -34.8% | 0.0% |
| Morgantown Bank & Trust Company, Incorporated | $215,000 | n/a | 0.0% | |
| Superior Credit Union, Inc. | $215,000 | n/a | 0.0% | |
| The Bank of Missouri | $215,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $390,000 | $210,000 | -46.2% | 0.0% |
| THRIVENT Federal Credit Union | $210,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $225,000 | $205,000 | -8.9% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $200,000 | n/a | 0.0% | |
| Heritage Bank & Trust | $195,000 | n/a | 0.0% | |
| Resource Bank, N.A. | $195,000 | n/a | 0.0% | |
| Bank of Hope | $185,000 | n/a | 0.0% | |
| CHEVRON | $185,000 | n/a | 0.0% | |
| FCB Banks | $185,000 | n/a | 0.0% | |
| MidFirst Bank | $185,000 | n/a | 0.0% | |
| TEACHERS | $185,000 | n/a | 0.0% | |
| Guardian Savings Bank, A Federal Savings Bank | $175,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $425,000 | $175,000 | -58.8% | 0.0% |
| Simmons Bank | $1,465,000 | $175,000 | -88.1% | 0.0% |
| SOUTH CENTRAL BANK, INC. | $4,455,000 | $170,000 | -96.2% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $1,660,000 | $165,000 | -90.1% | 0.0% |
| General Mortgage Capital Corporation | $165,000 | n/a | 0.0% | |
| JLB CORPORATION | $155,000 | n/a | 0.0% | |
| CSL Financial, LLC | $145,000 | n/a | 0.0% | |
| Raymond James Bank | $145,000 | n/a | 0.0% | |
| Bank Independent | $135,000 | n/a | 0.0% | |
| SouthStar Bank, S.S.B. | $95,000 | $125,000 | 31.6% | 0.0% |
| EASTMAN | $45,000 | $105,000 | 133.3% | 0.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | $215,000 | $105,000 | -51.2% | 0.0% |
| Republic Bank & Trust Company | $85,000 | $105,000 | 23.5% | 0.0% |
| UNITED MORTGAGE CORP | $105,000 | n/a | 0.0% | |
| CU COMMUNITY, LLC | $95,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $95,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $485,000 | $95,000 | -80.4% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| HANSCOM | $85,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | n/a | 0.0% | |
| Community Trust Bank, Inc. | $115,000 | $75,000 | -34.8% | 0.0% |
| Farmers Bank and Trust Company | $125,000 | $75,000 | -40.0% | 0.0% |
| Truliant Federal Credit Union | $75,000 | n/a | 0.0% | |
| Appalachian Community Federal Credit Union | $65,000 | n/a | 0.0% | |
| First Farmers and Merchants Bank | $65,000 | $55,000 | -15.4% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $55,000 | n/a | 0.0% | |
| RED RIVER EMPLOYEES | $45,000 | n/a | 0.0% | |
| Service Federal Credit Union | $355,000 | $45,000 | -87.3% | 0.0% |
| Southwest Airlines Federal Credit Union | $225,000 | $45,000 | -80.0% | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| COMMONWEALTH | $390,000 | $25,000 | -93.6% | 0.0% |
CLARKSVILLE's top lender by overall market share is Mortgage Research Center, LLC, with 11.1% market share. In second place, with 6.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $180,060,000 in loans. In third place, with 6.1%, is GUARANTEED RATE, INC., having originated $158,850,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $114,060,000 in loans. In fifth place, with 2.8%, is PENNYMAC LOAN SERVICES, LLC, having originated $72,200,000 in loans.
CLARKSVILLE, TN-KY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 5,416 | $1,769,330,000 | $326,686 |
| Cash Out Refi | 1,427 | $300,945,000 | $210,893 |
| Refi | 1,308 | $428,330,000 | $327,469 |
| Other | 717 | $70,305,000 | $98,054 |
| Home Improvement | 587 | $48,235,000 | $82,172 |
| NA | 2 | $500,000 | $250,000 |
Clarksville's most frequently cited loan purpose was Home Purchase, with 5,416 originations. The 2nd most popular reason was Cash Out Refi, with 1,427 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,756 | $1,083,440,000 | $288,456 |
| 5-6% | 2,295 | $797,115,000 | $347,327 |
| Over 8% | 1,425 | $151,475,000 | $106,298 |
| 7-8% | 1,246 | $399,710,000 | $320,795 |
| 4-5% | 203 | $63,895,000 | $314,754 |
| <2.5% | 61 | $3,815,000 | $62,541 |
| 3-4% | 33 | $8,755,000 | $265,303 |
| 2.5-3% | 26 | $7,220,000 | $277,692 |
During 2024, Clarksville's most frequently originated rate bucket was 6-7%, with 3,756 originations.
Loan Sizing (CLARKSVILLE, TN-KY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 4,952 | $1,435,490,000 | $289,881 |
| $100,000 or less | 1,716 | $89,580,000 | $52,203 |
| $100k-200k | 1,684 | $256,560,000 | $152,352 |
| $400k-600k | 883 | $408,635,000 | $462,780 |
| $600k-1000k | 165 | $117,255,000 | $710,636 |
| $Over $1MM | 57 | $310,125,000 | $5,440,789 |
CLARKSVILLE's loan sizing saw the bucket of loans from $200k-400k with 4,952 originations, totaling $1,435,490,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,154 | $1,302,760,000 | $313,616 |
| 60-80% | 1,306 | $425,070,000 | $325,475 |
| Under 20% | 998 | $44,960,000 | $45,050 |
| Over 100% | 936 | $337,240,000 | $360,299 |
| 20-40% | 788 | $82,210,000 | $104,327 |
| 40-60% | 542 | $228,400,000 | $421,402 |
CLARKSVILLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,154 originations, totaling $1,302,760,000 in origination value.