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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 Mortgage Company Lenders in Springfield
Updated February 5, 2026
Market Overview
26
Total Lenders
3,652
Total Loans
0.55%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,249 | +0.418% | 636 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,357 | +0.499% | 294 | |
3 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,270 | +0.498% | 346 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,284 | +0.443% | 497 | |
5 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,852 | +0.689% | 338 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,339 | +0.021% | 169 | |
7 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,935 | +0.455% | 228 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $1,607 | +0.396% | 101 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,559 | +0.517% | 88 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,136 | +0.492% | 67 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,959 | +0.449% | 48 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,698 | +0.317% | 34 | |
13 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,378 | +0.495% | 54 | |
14 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,874 | +0.470% | 53 | |
15 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,383 | +0.285% | 36 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,456 | +0.082% | 32 | |
17 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,863 | +0.116% | 30 | |
18 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,121 | +0.743% | 132 | |
19 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,493 | +0.366% | 72 | |
20 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,664 | +1.332% | 37 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,786 | +0.510% | 27 | |
22 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Sound | $2,648 | +0.843% | 33 | |
23 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $1,642 | +0.701% | 21 | |
24 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Sound | $2,142 | +0.209% | 31 | |
25 | Click n' Close, Inc. | Sound | Mediocre | Sound | Sound | $7,115 | +1.500% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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