# Best Mortgage Lenders in Springfield, MO

**As of:** 2026-05-22

Compare the top mortgage lenders in Springfield, MO. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/springfield-mo/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 68
- **Total Loans:** 5,915
- **Median Rate Spread:** 0.39795384615384616%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Great Southern Bank | 86 | 76 | 73 | 278 | Bank |
| 2 | Oakstar Bank | 86 | 69 | 76 | 201 | Bank |
| 3 | ASSEMBLIES OF GOD Credit Union | 86 | 61 | 78 | 197 | Credit Union |
| 4 | Guaranty Bank | 86 | 76 | 74 | 153 | Bank |
| 5 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 636 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 294 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 95 | Bank |
| 8 | GERSHMAN INVESTMENT CORP. | 78 | 55 | 79 | 346 | Independent Mortgage Company |
| 9 | The Central Trust Bank | 78 | 47 | 75 | 267 | Bank |
| 10 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 57 | Credit Union |
| 11 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 497 | Independent Mortgage Company |
| 12 | DAS Acquisition Company, LLC | 74 | 26 | 80 | 338 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 169 | Independent Mortgage Company |
| 14 | Cadence Bank | 73 | 47 | 73 | 123 | Bank |
| 15 | Hawthorn Bank | 73 | 79 | 46 | 47 | Bank |
| 16 | Ameris Bank | 71 | 42 | 82 | 30 | Bank |
| 17 | Arvest Bank | 68 | 39 | 71 | 235 | Bank |
| 18 | Mortgage Research Center, LLC | 68 | 34 | 70 | 228 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 101 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 88 | Independent Mortgage Company |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 67 | Independent Mortgage Company |
| 22 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 48 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 34 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 24 | Bank |
| 25 | Regions Bank | 66 | 41 | 64 | 22 | Bank |
| 26 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 21 | Bank |
| 27 | UMB Bank, National Association | 66 | 77 | 57 | 20 | Bank |
| 28 | The Bank of Missouri | 66 | 49 | 54 | 74 | Bank |
| 29 | Commerce Bank | 66 | 52 | 47 | 60 | Bank |
| 30 | Southern Bank | 66 | 52 | 55 | 50 | Bank |
| 31 | Plains Commerce Bank | 63 | 37 | 67 | 62 | Bank |
| 32 | LOWER, LLC | 63 | 30 | 71 | 54 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 53 | Independent Mortgage Company |
| 34 | BluCurrent Credit Union | 62 | 57 | 37 | 99 | Credit Union |
| 35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 36 | Independent Mortgage Company |
| 36 | USAA Federal Savings Bank | 60 | 54 | 45 | 35 | Bank |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 32 | Independent Mortgage Company |
| 38 | GoodLeap, LLC | 60 | 52 | 56 | 30 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 132 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 58 | 35 | 59 | 72 | Independent Mortgage Company |
| 41 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 37 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 27 | Independent Mortgage Company |
| 43 | Flagstar Bank, N.A. | 58 | 40 | 76 | 24 | Bank |
| 44 | AMERICAN FINANCIAL RESOURCES, INC. | 52 | 23 | 60 | 33 | Independent Mortgage Company |
| 45 | EVERETT FINANCIAL, INC. | 49 | 13 | 80 | 21 | Independent Mortgage Company |
| 46 | ResMac, Inc. | 46 | N/A | 45 | 33 | Independent Mortgage Company |
| 47 | PREMIER MORTGAGE RESOURCES, L.L.C. | 46 | 16 | 78 | 31 | Independent Mortgage Company |
| 48 | Click n' Close, Inc. | 42 | 1 | 59 | 25 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Springfield, MO.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.