Safe Rate Rankings

Best VA Mortgage Lenders in Springfield

Updated May 22, 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,357Fees	0.499%Above	294
2	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,270Fees	0.498%Above	346
3	Arvest BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,291Fees	0.299%Above	235
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$531Fees	0.434%Below	57
5	Great Southern BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$936Fees	0.043%Above	278
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,339Fees	0.021%Above	169
7	Ameris BankBank	Exceptional	Strong	Exceptional	Exceptional	Sound	$1,828Fees	0.254%Above	30
8	ASSEMBLIES OF GOD Credit UnionCredit Union	Exceptional	Strong	—	Strong	Exceptional	$1,120Fees	0.177%Above	197
9	Guaranty BankBank	Exceptional	Strong	—	Strong	Exceptional	$785Fees	0.130%Above	153
10	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,136Fees	0.492%Above	67
11	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,959Fees	0.449%Above	48
12	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,249Fees	0.418%Above	636
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,284Fees	0.443%Above	497
14	The Central Trust BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,598Fees	0.375%Above	267
15	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,493Fees	0.366%Above	72
16	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,940Fees	0.536%Above	62
17	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,475Fees	0.185%Below	35
18	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,852Fees	0.689%Above	338
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,935Fees	0.455%Above	228
20	Cadence BankBank	Strong	Sound	Strong	Strong	Strong	$1,276Fees	0.208%Above	123
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,559Fees	0.517%Above	88
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,698Fees	0.317%Above	34
23	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,456Fees	0.082%Above	32
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,607Fees	0.396%Above	101
25	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,378Fees	0.495%Above	54
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,786Fees	0.510%Above	27
27	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,664Fees	1.332%Above	37
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$2,121Fees	0.743%Above	132
29	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,142Fees	0.209%Above	31
30	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,115Fees	1.278%Above	14

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.