Safe Rate Rankings

Best Conventional Mortgage Lenders in Springfield

Updated February 5, 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 Lenders34

Total Loans1,420

Median Rate Spread0.65%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	WRIGHT-PATT CREDIT UNION, INC.Credit Union	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$319Fees	0.329%Below	194
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$426Credit	0.612%Above	85
3	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$622Fees	0.432%Above	38
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$926Fees	0.412%Above	15
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$872Credit	0.378%Above	11
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,254Fees	0.533%Above	168
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,025Fees	0.727%Above	63
8	Union Savings BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,008Fees	0.141%Above	51
9	WesBanco Bank, Inc.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,790Fees	0.255%Above	30
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,380Fees	0.860%Above	217
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,983Fees	0.451%Above	41
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,310Fees	0.359%Above	12
13	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,689Fees	0.360%Above	11
14	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,395Fees	0.808%Above	82
15	The Park National BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,380Fees	0.303%Above	39
16	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,446Fees	0.738%Above	35
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,168Fees	0.135%Above	15
18	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,175Fees	0.847%Above	21
19	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,902Fees	0.562%Above	16
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,609Fees	0.124%Above	15
21	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,068Fees	0.958%Above	14
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,317Fees	0.964%Above	13
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,141Fees	1.542%Above	10
24	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,114Fees	0.184%Above	10
25	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,164Fees	0.800%Above	30
26	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,348Fees	1.060%Above	10

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.