Safe Rate Rankings

Best FHA 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.
Total Lenders31
Total Loans2,075
Median Rate Spread0.47%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
INB, National AssociationBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$637Fees
0.292%Above
410
2
FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$1,069Fees
0.480%Above
69
3
Bank of SpringfieldBank
Strong
Strong
Sound
Sound
Exceptional
$443Fees
0.042%Above
267
4
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
Strong
$373Credit
0.493%Above
75
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,327Fees
0.674%Above
114
6
Heartland Bank and Trust CompanyBank
Strong
Strong
Sound
Sound
Strong
$390Fees
0.488%Above
66
7
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,477Fees
0.469%Above
94
8
AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$1,997Fees
1.026%Above
71
9
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Acceptable
$1,975Fees
0.845%Above
10
10
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Sound
Mediocre
Exceptional
Sound
Strong
$1,711Fees
0.758%Above
55
11
DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Strong
Exceptional
Sound
$1,695Fees
1.125%Above
25
12
LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Exceptional
Strong
Sound
$2,416Fees
1.304%Above
20

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.