Safe Rate Rankings

Best Conventional Mortgage Lenders in Springfield

Updated May 19, 2026

⚖️ 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 Lenders31

Total Loans2,075

Median Rate Spread0.47%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	CITIZENS EQUITY FIRSTCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$58Credit	0.137%Above	86
2	United Community BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$106Fees	0.076%Above	196
3	INB, National AssociationBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$637Fees	0.292%Above	410
4	HEARTLANDCredit Union	Exceptional	Exceptional	Sound	Strong	Exceptional	$535Fees	0.101%Below	124
5	Bank of SpringfieldBank	Exceptional	Strong	Strong	Strong	Exceptional	$443Fees	0.042%Above	267
6	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$373Credit	0.493%Above	75
7	Prairie State Bank and TrustBank	Exceptional	Exceptional	Sound	Strong	Strong	$549Fees	0.042%Above	37
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$231Fees	0.540%Below	14
9	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,069Fees	0.480%Above	69
10	Heartland Bank and Trust CompanyBank	Exceptional	Strong	Strong	Strong	Strong	$390Fees	0.488%Above	66
11	Carrollton BankBank	Exceptional	Strong	Strong	Strong	Strong	$756Fees	0.080%Above	56
12	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$679Fees	0.516%Above	26
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,327Fees	0.674%Above	114
14	Morton Community BankBank	Strong	Sound	Strong	Strong	Strong	$683Fees	0.526%Above	53
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,177Fees	0.291%Above	39
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,477Fees	0.469%Above	94
17	Petefish, Skiles & Co.Bank	Strong	Strong	Sound	Sound	Sound	$488Fees	0.093%Above	28
18	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,818Fees	0.067%Below	19
19	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,997Fees	1.026%Above	71
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,711Fees	0.758%Above	55
21	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,416Fees	1.304%Above	20
22	DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,695Fees	1.125%Above	25
23	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,517Fees	0.417%Above	10
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,683Fees	0.797%Above	10
25	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$257Fees	0.907%Above	10

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 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.