# Best USDA Mortgage Lenders in Springfield, MO

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

Compare the top USDA 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/usda-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 | GERSHMAN INVESTMENT CORP. | 89 | 68 | 70 | 346 | Independent Mortgage Company |
| 2 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 636 | Independent Mortgage Company |
| 3 | The Central Trust Bank | 83 | 57 | 71 | 267 | Bank |
| 4 | Great Southern Bank | 79 | 76 | 59 | 278 | Bank |
| 5 | Paramount Residential Mortgage Group, Inc. | 73 | 42 | 63 | 18 | Independent Mortgage Company |
| 6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 22 | 77 | 67 | Independent Mortgage Company |
| 7 | Mortgage Research Center, LLC | 70 | 34 | 47 | 228 | Independent Mortgage Company |
| 8 | Southern Bank | 69 | 52 | 57 | 50 | Bank |
| 9 | DAS Acquisition Company, LLC | 63 | 10 | 73 | 338 | Independent Mortgage Company |
| 10 | Click n' Close, Inc. | 52 | 1 | 59 | 25 | 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.