# Best FHA Mortgage Lenders in Springfield, MO

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

Compare the top FHA mortgage lenders in Springfield, MO. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 90 | 73 | 278 | Bank |
| 2 | FLAT BRANCH MORTGAGE, INC. | 88 | 43 | 85 | 636 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 294 | Independent Mortgage Company |
| 4 | Guaranty Bank | 85 | 72 | 73 | 153 | Bank |
| 5 | Cadence Bank | 85 | 71 | 69 | 123 | Bank |
| 6 | GERSHMAN INVESTMENT CORP. | 83 | 60 | 76 | 346 | Independent Mortgage Company |
| 7 | The Central Trust Bank | 83 | 59 | 71 | 267 | Bank |
| 8 | Arvest Bank | 83 | 59 | 71 | 235 | Bank |
| 9 | ASSEMBLIES OF GOD Credit Union | 83 | 85 | 79 | 197 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 497 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 169 | Independent Mortgage Company |
| 12 | Plains Commerce Bank | 79 | 47 | 66 | 62 | Bank |
| 13 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 48 | Independent Mortgage Company |
| 14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 88 | Independent Mortgage Company |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 67 | Independent Mortgage Company |
| 16 | NEWREZ LLC | 73 | 52 | 56 | 72 | Independent Mortgage Company |
| 17 | Hawthorn Bank | 73 | 92 | 49 | 47 | Bank |
| 18 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 34 | Independent Mortgage Company |
| 19 | Ameris Bank | 73 | 50 | 78 | 30 | Bank |
| 20 | GoodLeap, LLC | 73 | 62 | 58 | 30 | Independent Mortgage Company |
| 21 | Flagstar Bank, N.A. | 73 | 58 | 71 | 24 | Bank |
| 22 | UMB Bank, National Association | 73 | 81 | 59 | 20 | Bank |
| 23 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 101 | Independent Mortgage Company |
| 24 | LOWER, LLC | 71 | 29 | 66 | 54 | Independent Mortgage Company |
| 25 | Mortgage Research Center, LLC | 70 | 34 | 54 | 228 | Independent Mortgage Company |
| 26 | Commerce Bank | 69 | 51 | 42 | 60 | Bank |
| 27 | DAS Acquisition Company, LLC | 67 | 18 | 82 | 338 | Independent Mortgage Company |
| 28 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 37 | Independent Mortgage Company |
| 29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 36 | Independent Mortgage Company |
| 30 | AMERICAN FINANCIAL RESOURCES, INC. | 66 | 21 | 61 | 33 | Independent Mortgage Company |
| 31 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 18 | Independent Mortgage Company |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 32 | Independent Mortgage Company |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 19 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 53 | Independent Mortgage Company |
| 35 | ENDEAVOR CAPITAL, LLC. | 58 | 26 | 58 | 17 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 132 | Independent Mortgage Company |
| 37 | PREMIER MORTGAGE RESOURCES, L.L.C. | 56 | 16 | 76 | 31 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 27 | Independent Mortgage Company |
| 39 | Click n' Close, Inc. | 56 | N/A | 63 | 25 | Independent Mortgage Company |
| 40 | ResMac, Inc. | 53 | N/A | 72 | 33 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.