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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 Conventional Mortgage Lenders in Springfield

Updated February 5, 2026

Market Overview

Total Lenders

5,915

Total Loans

0.40%

Median Rate Spread

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

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Springfield, MOConventional

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