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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | CITIZENS EQUITY FIRST | Exceptional | Exceptional | Exceptional | Exceptional | Strong | -$58 | +0.137% | 86 | |
2 | United Community Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $106 | +0.076% | 196 | |
3 | INB, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $637 | +0.292% | 410 | |
4 | HEARTLAND | Exceptional | Exceptional | Sound | Strong | Exceptional | $535 | -0.101% | 124 | |
5 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Exceptional | $443 | +0.042% | 267 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$373 | +0.493% | 75 | |
7 | Prairie State Bank and Trust | Exceptional | Exceptional | Sound | Strong | Strong | $549 | +0.042% | 37 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $231 | -0.540% | 14 | |
9 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,069 | +0.480% | 69 | |
10 | Heartland Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $390 | +0.488% | 66 | |
11 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $756 | +0.080% | 56 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $679 | +0.516% | 26 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,327 | +0.674% | 114 | |
14 | Morton Community Bank | Strong | Sound | Strong | Strong | Strong | $683 | +0.526% | 53 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,177 | +0.291% | 39 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,477 | +0.469% | 94 | |
17 | Petefish, Skiles & Co. | Strong | Strong | Sound | Sound | Sound | $488 | +0.093% | 28 | |
18 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,818 | -0.067% | 19 | |
19 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Strong | $1,997 | +1.026% | 71 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,711 | +0.758% | 55 | |
21 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,416 | +1.304% | 20 | |
22 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $1,695 | +1.125% | 25 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,683 | +0.797% | 10 | |
24 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,517 | +0.417% | 10 | |
25 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $257 | +0.907% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Springfield, ILConventional
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