Safe Rate Rankings

Best Conventional Mortgage Lenders in Springfield

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 Lenders68

Total Loans5,915

Median Rate Spread0.40%

Springfield Market Insights

Flat Branch Mortgage is Safe Rate's top-ranked Conventional lender in Springfield, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Springfield, Navy Federal Credit Union and Us Bank National Association scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Springfield, 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 Springfield: Rocket Mortgage (#2) and Flat Branch Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Springfield

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,249Fees	0.418%Above	636
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,284Fees	0.443%Above	497
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,357Fees	0.499%Above	294
4	Great Southern Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$936Fees	0.043%Above	278
5	Oakstar Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$976Fees	0.242%Above	201
6	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$793Fees	0.181%Above	95
7	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,270Fees	0.498%Above	346
8	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,598Fees	0.375%Above	267
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$531Fees	0.434%Below	57
10	ASSEMBLIES OF GOD Credit Union Credit UnionDirect	Strong	Sound	Strong	Exceptional	Exceptional	$1,120Fees	0.177%Above	197
11	Guaranty Bank BankDirect	Strong	Strong	Sound	Strong	Exceptional	$785Fees	0.130%Above	153
12	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,852Fees	0.689%Above	338
13	Cadence Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,276Fees	0.208%Above	123
14	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,291Fees	0.299%Above	235
15	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,197Fees	0.054%Below	19
16	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,607Fees	0.396%Above	101
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,559Fees	0.517%Above	88
18	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,339Fees	0.021%Above	169
19	The Bank of Missouri BankDirect	Strong	Sound	Strong	Strong	Strong	$945Fees	0.125%Above	74
20	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,367Fees	0.203%Above	21
21	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,136Fees	0.492%Above	67
22	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,698Fees	0.317%Above	34
23	Ameris Bank BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,828Fees	0.254%Above	30
24	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,257Fees	0.011%Above	24
25	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$340Fees	0.166%Above	17
26	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,121Fees	0.743%Above	132
27	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,940Fees	0.536%Above	62
28	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,493Fees	0.366%Above	72
29	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,378Fees	0.495%Above	54
30	Southern Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$540Fees	0.272%Above	50
31	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,456Fees	0.082%Above	32
32	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,991Fees	0.254%Above	24
33	Hawthorn Bank BankDirect	Strong	Strong	Sound	Sound	Strong	$1,014Fees	0.089%Above	47
34	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,774Fees	0.467%Above	13
35	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$1,935Fees	0.455%Above	228
36	Commerce Bank BankDirect	Strong	Sound	Strong	Sound	Strong	$606Fees	0.476%Above	60
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,383Fees	0.285%Above	36
38	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,786Fees	0.510%Above	27
39	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,866Fees	0.317%Above	22
40	BluCurrent Credit Union Credit UnionDirect	Sound	Sound	Sound	Sound	Exceptional	$1,109Fees	0.353%Above	99
41	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$2,874Fees	0.470%Above	53
42	PREMIER MORTGAGE RESOURCES, L.L.C. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,142Fees	0.209%Above	31
43	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$2,959Fees	0.449%Above	48
44	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$2,863Fees	0.116%Above	30
45	UMB Bank, National Association BankDirect	Sound	Strong	Sound	Sound	Sound	$1,035Fees	0.038%Above	20
46	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$1,642Fees	0.701%Above	21
47	Simmons Bank BankDirect	Sound	Acceptable	Strong	Sound	Sound	$1,366Fees	0.409%Above	19
48	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Sound	$1,475Fees	0.185%Below	35
49	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$3,311Fees	0.695%Above	15
50	AMERICAN FINANCIAL RESOURCES, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	Sound	$2,648Fees	0.843%Above	33

❓ Frequently Asked Questions

How are mortgage lenders ranked in Springfield, MO?+

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 Springfield, MO), 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 Springfield, MO?+

Based on 2024 HMDA data, 68 lenders originated a combined 5,915 loans in Springfield, MO. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Springfield, MO?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Springfield, MO is 0.40%. 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 Springfield, MO'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.