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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Springfield
Updated February 5, 2026
Market Overview
31
Total Lenders
2,075
Total Loans
0.47%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | United Community Bank | Exceptional | Exceptional | Strong | Exceptional | $106 | +0.076% | 196 | |
2 | HEARTLAND | Exceptional | Exceptional | Strong | Exceptional | $535 | -0.101% | 124 | |
3 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Strong | -$58 | +0.137% | 86 | |
4 | INB, National Association | Exceptional | Strong | Exceptional | Exceptional | $637 | +0.292% | 410 | |
5 | Bank of Springfield | Exceptional | Strong | Exceptional | Exceptional | $443 | +0.042% | 267 | |
6 | Prairie State Bank and Trust | Exceptional | Exceptional | Sound | Strong | $549 | +0.042% | 37 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$373 | +0.493% | 75 | |
8 | Carrollton Bank | Strong | Strong | Strong | Strong | $756 | +0.080% | 56 | |
9 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,069 | +0.480% | 69 | |
10 | Heartland Bank and Trust Company | Strong | Strong | Sound | Strong | $390 | +0.488% | 66 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $679 | +0.516% | 26 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,477 | +0.469% | 94 | |
13 | Morton Community Bank | Strong | Sound | Strong | Strong | $683 | +0.526% | 53 | |
14 | Petefish, Skiles & Co. | Strong | Strong | Sound | Sound | $488 | +0.093% | 28 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,327 | +0.674% | 114 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,177 | +0.291% | 39 | |
17 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | $1,997 | +1.026% | 71 | |
18 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,711 | +0.758% | 55 | |
19 | LEADERONE FINANCIAL CORPORATION | Sound | Acceptable | Strong | Sound | $2,416 | +1.304% | 20 | |
20 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $1,695 | +1.125% | 25 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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