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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 Bank Mortgage Lenders in Springfield
Updated February 5, 2026
Market Overview
19
Total Lenders
1,899
Total Loans
0.21%
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 | Guaranty Bank | Exceptional | Strong | Strong | Exceptional | $785 | +0.130% | 153 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $793 | +0.181% | 95 | |
5 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $1,598 | +0.375% | 267 | |
6 | Hawthorn Bank | Strong | Strong | Sound | Strong | $1,014 | +0.089% | 47 | |
7 | Cadence Bank | Strong | Sound | Strong | Strong | $1,276 | +0.208% | 123 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Sound | $1,828 | +0.254% | 30 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,257 | +0.011% | 24 | |
10 | UMB Bank, National Association | Strong | Strong | Sound | Sound | $1,035 | +0.038% | 20 | |
11 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,291 | +0.299% | 235 | |
12 | The Bank of Missouri | Strong | Sound | Sound | Strong | $945 | +0.125% | 74 | |
13 | Commerce Bank | Strong | Sound | Sound | Strong | $606 | +0.476% | 60 | |
14 | Southern Bank | Strong | Sound | Sound | Strong | $540 | +0.272% | 50 | |
15 | Regions Bank | Strong | Sound | Strong | Sound | $1,866 | +0.317% | 22 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,367 | +0.203% | 21 | |
17 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,940 | +0.536% | 62 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,475 | -0.185% | 35 | |
19 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,991 | +0.254% | 24 |
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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