Mortgage Broker in Clarksville

June 14, 2026

Unlike an online application that routes a borrower into a single lender’s product menu, a Clarksville mortgage broker works with multiple wholesale lenders and shops a loan file across several of them, which can matter in a market where rate and program differences move a monthly payment meaningfully. A broker can also sit down with a buyer to walk through credit, down payment, and documentation questions face to face, an advantage for first-time buyers and self-employed borrowers whose files do not fit a simple template. Clarksville is one of Tennessee’s largest cities, with a population of roughly 176,000 as of 2024 (U.S. Census Bureau), and its adjacency to Fort Campbell gives the local market a high share of military and veteran buyers, which makes VA loan experience especially relevant to many Clarksville borrowers.

The distinction between a broker, a lender, and a servicer matters when choosing where to apply. A mortgage broker arranges financing between a borrower and a wholesale lender but does not fund the loan with its own money; a mortgage lender underwrites and funds directly; and a servicer collects payments after closing. Many companies in Clarksville operate as more than one of these at once, and the regulatory framework treats each activity as a distinct licensed function. Borrowers comparing offers should ask which role a given company is playing on their specific loan, because that affects who sets the rate, who underwrites the file, and who they will pay each month.

In Tennessee, mortgage brokers, lenders, and servicers are licensed by the Tennessee Department of Financial Institutions (TDFI) under the Tennessee Residential Lending, Brokerage and Servicing Act. Individual mortgage loan originators must be registered in the Nationwide Multistate Licensing System (NMLS) and meet the federal SAFE Act requirements, which include pre-licensing education, passing a national exam, a background check, and annual continuing education. Each licensed originator carries a unique NMLS identification number, and that number, along with the company’s license, can be confirmed before signing anything. Because Clarksville sits near the Kentucky line and serves many Fort Campbell families, some companies are also licensed in Kentucky; a borrower should confirm that a given company holds the proper Tennessee license for a Tennessee property.

Before working with any mortgage professional in Clarksville, consumers can verify a company’s or originator’s license and view any disciplinary history through NMLS Consumer Access, the free public lookup tool operated through the NMLS. Complaints about a mortgage broker, lender, or servicer can be directed to TDFI, and complaints about deceptive or unfair practices more broadly fall under the Tennessee Consumer Protection Act (TCA 47-18-104), enforced by the Tennessee Division of Consumer Affairs. Borrowers should also read the Loan Estimate and Closing Disclosure that federal rules require lenders to provide, compare the annual percentage rate and total fees rather than the headline interest rate alone, and keep copies of every signed document. The mortgage products available in Clarksville generally include conventional, FHA, VA, and USDA loans, jumbo financing for higher loan amounts, and first-time buyer and down payment assistance programs, with VA loans being a frequent choice given the local military community.

Top Mortgage Broker Providers in Clarksville

1. Castle Rock Mortgage, LLC

Address: 2687 Townsend Ct, Suite B, Clarksville, TN 37043
Phone: (931) 906-1489
Website: https://www.castlerockmortgagellc.com
Services: home purchase loans, refinancing, VA loans, VA streamline refinance (IRRRL), home equity loans (HELOAN), bank statement loans for self-employed borrowers
Description: Castle Rock Mortgage is a Clarksville-based mortgage broker and lender carrying NMLS #2470. The firm is an approved VA lender, a meaningful credential in a market shaped by the Fort Campbell military community, and its services include home purchases, refinancing, VA streamline (IRRRL) refinances, home equity loans, and bank statement loans for self-employed borrowers whose income is not easily documented through traditional pay stubs. The company works with several loan officers including Kellen Ferguson, James Ferguson, Brandon Ferguson, Daniel Page, and Stephanie Feuring, and it is licensed in Tennessee along with Alabama, Florida, and Kentucky.

2. CrossCountry Mortgage, LLC (Clarksville Branch)

Address: 211 South 2nd Street, Suite 209, Clarksville, TN 37040
Phone: (850) 659-6424
Website: https://crosscountrymortgage.com/clarksville-tn-2828/
Services: home purchase loans, refinancing, VA loans, construction loans, first-time homebuyer programs, home equity loans
Description: CrossCountry Mortgage operates a Clarksville branch (Branch NMLS #2295854) on South 2nd Street downtown, led by Branch Manager and Loan Officer Jerry Turner (NMLS #2006641) with Loan Officer Josh Green (NMLS #2766948). The branch offers purchase and refinance financing along with VA loans, construction loans, first-time homebuyer programs, and home equity loans, and it serves the Clarksville area as well as nearby Woodlawn and Oak Grove, Kentucky. As part of a national mortgage company, the branch gives local borrowers access to a wide lender platform while working with a Clarksville-based team.

3. New American Funding, LLC (Clarksville Branch)

Address: 130 Hillcrest Drive, Suite 107, Clarksville, TN 37043
Phone: (931) 342-1765
Website: https://www.newamericanfunding.com/branches/clarksville-mcclardy
Services: home purchase loans, refinancing, VA loans, fixed-rate and adjustable-rate mortgages
Description: New American Funding operates a Clarksville branch on Hillcrest Drive under company NMLS #6606. The branch team includes Regional Sales Manager Derek Vandlen (NMLS #6409), Area Production Manager Adriane Vandlen (NMLS #65036), Sales Manager Heather Lyons (NMLS #1382313), and Loan Specialist Ron Gass (NMLS #1830744). The office offers purchase and refinance financing, including VA loans relevant to the local military community, along with fixed-rate and adjustable-rate mortgage options. Borrowers should confirm additional programs, such as FHA, USDA, conventional, or jumbo loans, directly with the branch.

Frequently Asked Questions About Mortgage Broker in Clarksville

Q: Who licenses mortgage brokers in Clarksville, Tennessee?

Mortgage brokers, lenders, and servicers operating in Tennessee are licensed by the Tennessee Department of Financial Institutions (TDFI) under the Tennessee Residential Lending, Brokerage and Servicing Act. In addition, every individual mortgage loan originator must be registered in the Nationwide Multistate Licensing System (NMLS) and meet the federal SAFE Act requirements, which include education, a national exam, a background check, and annual continuing education.

Q: How do I verify a Clarksville mortgage broker’s license?

You can verify a company’s or an individual originator’s license and view any disciplinary history through NMLS Consumer Access, the free public lookup tool operated through the NMLS. Ask the loan officer for their NMLS identification number, then confirm both the person and the company in that system before signing any application or disclosure.

Q: Are VA loans a good fit for Clarksville buyers near Fort Campbell?

For eligible service members, veterans, and certain surviving spouses, VA loans can offer no down payment and no private mortgage insurance, which is why they are common in the Clarksville market near Fort Campbell. A VA Interest Rate Reduction Refinance Loan (IRRRL) can also help an existing VA borrower refinance. Several Clarksville companies advertise VA experience, but you should still confirm a company’s Tennessee license and the originator’s NMLS number before applying.

Q: What types of mortgage loans are available in Clarksville?

Most Clarksville brokers and lenders offer conventional loans, government-backed FHA, VA, and USDA loans, and jumbo financing for higher loan amounts. Many also offer first-time buyer programs, down payment assistance, construction loans, and refinance options. Given the local military community, VA loans are a frequent choice. Self-employed borrowers may also find bank statement loan options.

Q: What is the difference between a mortgage broker and a lender?

A mortgage broker arranges financing between you and a wholesale lender but does not fund the loan with its own money, while a lender underwrites and funds the loan directly. A servicer is the company that collects your payments after closing. Many Clarksville companies perform more than one of these roles, so it is worth asking which role a given firm is playing on your specific loan.

Q: How do I compare mortgage offers in Clarksville?

Federal rules require lenders to give you a Loan Estimate after you apply and a Closing Disclosure before closing. Compare the annual percentage rate (APR) and the total of all fees across offers rather than the headline interest rate alone, and make sure you are comparing the same loan type and term. Keep copies of every signed document for your records.

Q: How do I file a complaint about a Clarksville mortgage broker?

Complaints about a licensed mortgage broker, lender, or servicer can be filed with the Tennessee Department of Financial Institutions (TDFI). Complaints involving deceptive or unfair business practices more broadly fall under the Tennessee Consumer Protection Act (TCA 47-18-104), enforced by the Tennessee Division of Consumer Affairs. Keep your loan documents, disclosures, and any correspondence to support a complaint.