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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Great Southern Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $936 | +0.043% | 278 | |
2 | ASSEMBLIES OF GOD Credit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,120 | +0.177% | 197 | |
3 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,249 | +0.418% | 636 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,357 | +0.499% | 294 | |
5 | Guaranty Bank | Exceptional | Strong | Strong | Strong | Exceptional | $785 | +0.130% | 153 | |
6 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,276 | +0.208% | 123 | |
7 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,270 | +0.498% | 346 | |
8 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,598 | +0.375% | 267 | |
9 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,291 | +0.299% | 235 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,339 | +0.021% | 169 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,959 | +0.449% | 48 | |
12 | Hawthorn Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,014 | +0.089% | 47 | |
13 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $1,035 | +0.038% | 20 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,284 | +0.443% | 497 | |
15 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,940 | +0.536% | 62 | |
16 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,863 | +0.116% | 30 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,559 | +0.517% | 88 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,493 | +0.366% | 72 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,136 | +0.492% | 67 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,698 | +0.317% | 34 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $1,828 | +0.254% | 30 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,991 | +0.254% | 24 | |
23 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $1,852 | +0.689% | 338 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,935 | +0.455% | 228 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,607 | +0.396% | 101 | |
26 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $606 | +0.476% | 60 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,378 | +0.495% | 54 | |
28 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,664 | +1.332% | 37 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,383 | +0.285% | 36 | |
30 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,648 | +0.843% | 33 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,445 | +0.870% | 18 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,874 | +0.470% | 53 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,456 | +0.082% | 32 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,760 | +0.129% | 19 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,121 | +0.743% | 132 | |
36 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,142 | +0.209% | 31 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,786 | +0.510% | 27 | |
38 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $7,115 | +1.500% | 25 | |
39 | ENDEAVOR CAPITAL, LLC. | Sound | Acceptable | Strong | Sound | Sound | $3,124 | +0.422% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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