Safe Rate Rankings

Best Mortgage Companie Lenders in Springfield

Updated May 31, 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,249Fees	0.418%Above	636
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,357Fees	0.499%Above	294
3	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,270Fees	0.498%Above	346
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,284Fees	0.443%Above	497
5	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,852Fees	0.689%Above	338
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,339Fees	0.021%Above	169
7	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,935Fees	0.455%Above	228
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,607Fees	0.396%Above	101
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,559Fees	0.517%Above	88
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,136Fees	0.492%Above	67
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,959Fees	0.449%Above	48
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,698Fees	0.317%Above	34
13	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,378Fees	0.495%Above	54
14	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,874Fees	0.470%Above	53
15	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,383Fees	0.285%Above	36
16	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,456Fees	0.082%Above	32
17	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,863Fees	0.116%Above	30
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,121Fees	0.743%Above	132
19	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,493Fees	0.366%Above	72
20	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,664Fees	1.332%Above	37
21	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,786Fees	0.510%Above	27
22	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,648Fees	0.843%Above	33
23	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$1,642Fees	0.701%Above	21
24	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,142Fees	0.209%Above	31
25	Click n' Close, Inc.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	$7,115Fees	1.500%Above	25

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.