Safe Rate Rankings

Best Conventional Mortgage Lenders in Springfield

Updated May 22, 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.

Market

Total Lenders68

Total Loans5,915

Median Rate Spread0.40%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$531Fees	0.434%Below	57
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,249Fees	0.418%Above	636
3	Great Southern BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$936Fees	0.043%Above	278
4	Oakstar BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$976Fees	0.242%Above	201
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$793Fees	0.181%Above	95
6	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,270Fees	0.498%Above	346
7	The Central Trust BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,598Fees	0.375%Above	267
8	ASSEMBLIES OF GOD Credit UnionCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,120Fees	0.177%Above	197
9	Guaranty BankBank	Exceptional	Strong	Sound	Strong	Exceptional	$785Fees	0.130%Above	153
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,197Fees	0.054%Below	19
11	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$340Fees	0.166%Above	17
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,284Fees	0.443%Above	497
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,357Fees	0.499%Above	294
14	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,276Fees	0.208%Above	123
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,257Fees	0.011%Above	24
16	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,852Fees	0.689%Above	338
17	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,291Fees	0.299%Above	235
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,339Fees	0.021%Above	169
19	The Bank of MissouriBank	Strong	Sound	Strong	Strong	Strong	$945Fees	0.125%Above	74
20	Southern BankBank	Strong	Sound	Strong	Strong	Strong	$540Fees	0.272%Above	50
21	Hawthorn BankBank	Strong	Strong	Sound	Sound	Strong	$1,014Fees	0.089%Above	47
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,698Fees	0.317%Above	34
23	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,456Fees	0.082%Above	32
24	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,828Fees	0.254%Above	30
25	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,367Fees	0.203%Above	21
26	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,607Fees	0.396%Above	101
27	BluCurrent Credit UnionCredit Union	Strong	Sound	Sound	Sound	Exceptional	$1,109Fees	0.353%Above	99
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,559Fees	0.517%Above	88
29	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,136Fees	0.492%Above	67
30	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,940Fees	0.536%Above	62
31	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$606Fees	0.476%Above	60
32	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,378Fees	0.495%Above	54
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,874Fees	0.470%Above	53
34	UMB Bank, National AssociationBank	Strong	Strong	Sound	Sound	Sound	$1,035Fees	0.038%Above	20
35	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,935Fees	0.455%Above	228
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,121Fees	0.743%Above	132
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,493Fees	0.366%Above	72
38	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,959Fees	0.449%Above	48
39	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,383Fees	0.285%Above	36
40	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,863Fees	0.116%Above	30
41	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,786Fees	0.510%Above	27
42	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,991Fees	0.254%Above	24
43	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,866Fees	0.317%Above	22
44	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,774Fees	0.467%Above	13
45	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,475Fees	0.185%Below	35
46	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,648Fees	0.843%Above	33
47	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,142Fees	0.209%Above	31
48	Simmons BankBank	Sound	Acceptable	Strong	Sound	Sound	$1,366Fees	0.409%Above	19
49	ENDEAVOR CAPITAL, LLC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,124Fees	0.422%Above	17
50	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,311Fees	0.695%Above	15

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.