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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 VA Mortgage Lenders in Springfield
Updated February 5, 2026
Market Overview
68
Total Lenders
5,915
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,357 | +0.499% | 294 | |
2 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,270 | +0.498% | 346 | |
3 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,291 | +0.299% | 235 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $531 | -0.434% | 57 | |
5 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $936 | +0.043% | 278 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,339 | +0.021% | 169 | |
7 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,828 | +0.254% | 30 | |
8 | ASSEMBLIES OF GOD Credit Union | Exceptional | Strong | — | Strong | Exceptional | $1,120 | +0.177% | 197 | |
9 | Guaranty Bank | Exceptional | Strong | — | Strong | Exceptional | $785 | +0.130% | 153 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,136 | +0.492% | 67 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,959 | +0.449% | 48 | |
12 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,249 | +0.418% | 636 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,284 | +0.443% | 497 | |
14 | The Central Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $1,598 | +0.375% | 267 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,493 | +0.366% | 72 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,940 | +0.536% | 62 | |
17 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,475 | -0.185% | 35 | |
18 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,852 | +0.689% | 338 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,935 | +0.455% | 228 | |
20 | Cadence Bank | Strong | Sound | Strong | Strong | Strong | $1,276 | +0.208% | 123 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,559 | +0.517% | 88 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,698 | +0.317% | 34 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,456 | +0.082% | 32 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,607 | +0.396% | 101 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,378 | +0.495% | 54 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,786 | +0.510% | 27 | |
27 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,664 | +1.332% | 37 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,121 | +0.743% | 132 | |
29 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,142 | +0.209% | 31 | |
30 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,115 | +1.278% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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