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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
68
Total Lenders
5,915
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Great Southern Bank | Exceptional | Strong | Strong | Exceptional | $936 | +0.043% | 278 | |
2 | Oakstar Bank | Exceptional | Strong | Strong | Exceptional | $976 | +0.242% | 201 | |
3 | ASSEMBLIES OF GOD Credit Union | Exceptional | Strong | Strong | Exceptional | $1,120 | +0.177% | 197 | |
4 | Guaranty Bank | Exceptional | Strong | Strong | Exceptional | $785 | +0.130% | 153 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $531 | -0.434% | 57 | |
6 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,249 | +0.418% | 636 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,357 | +0.499% | 294 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $793 | +0.181% | 95 | |
9 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,270 | +0.498% | 346 | |
10 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $1,598 | +0.375% | 267 | |
11 | Hawthorn Bank | Strong | Strong | Sound | Strong | $1,014 | +0.089% | 47 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,284 | +0.443% | 497 | |
13 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,852 | +0.689% | 338 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,339 | +0.021% | 169 | |
15 | Cadence Bank | Strong | Sound | Strong | Strong | $1,276 | +0.208% | 123 | |
16 | Ameris Bank | Strong | Sound | Exceptional | Sound | $1,828 | +0.254% | 30 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,257 | +0.011% | 24 | |
18 | UMB Bank, National Association | Strong | Strong | Sound | Sound | $1,035 | +0.038% | 20 | |
19 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,291 | +0.299% | 235 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,935 | +0.455% | 228 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $1,607 | +0.396% | 101 | |
22 | BluCurrent Credit Union | Strong | Sound | Acceptable | Exceptional | $1,109 | +0.353% | 99 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,559 | +0.517% | 88 | |
24 | The Bank of Missouri | Strong | Sound | Sound | Strong | $945 | +0.125% | 74 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,136 | +0.492% | 67 | |
26 | Commerce Bank | Strong | Sound | Sound | Strong | $606 | +0.476% | 60 | |
27 | Southern Bank | Strong | Sound | Sound | Strong | $540 | +0.272% | 50 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,959 | +0.449% | 48 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,698 | +0.317% | 34 | |
30 | Regions Bank | Strong | Sound | Strong | Sound | $1,866 | +0.317% | 22 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,367 | +0.203% | 21 | |
32 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,940 | +0.536% | 62 | |
33 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,378 | +0.495% | 54 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,874 | +0.470% | 53 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,383 | +0.285% | 36 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,475 | -0.185% | 35 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,456 | +0.082% | 32 | |
38 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,863 | +0.116% | 30 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,121 | +0.743% | 132 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,493 | +0.366% | 72 | |
41 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,664 | +1.332% | 37 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,786 | +0.510% | 27 | |
43 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,991 | +0.254% | 24 | |
44 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Sound | $2,648 | +0.843% | 33 | |
45 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $1,642 | +0.701% | 21 | |
46 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $2,142 | +0.209% | 31 | |
47 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $7,115 | +1.500% | 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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