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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 Conventional Mortgage Lenders in Springfield
Updated February 5, 2026
Market Overview
34
Total Lenders
1,420
Total Loans
0.65%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $319 | -0.329% | 194 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$426 | +0.612% | 85 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $622 | +0.432% | 38 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $926 | +0.412% | 15 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$872 | +0.378% | 11 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,254 | +0.533% | 168 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,025 | +0.727% | 63 | |
8 | Union Savings Bank | Strong | Sound | Exceptional | Strong | Strong | $1,008 | +0.141% | 51 | |
9 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,790 | +0.255% | 30 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380 | +0.860% | 217 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,983 | +0.451% | 41 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,310 | +0.359% | 12 | |
13 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,689 | +0.360% | 11 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,395 | +0.808% | 82 | |
15 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,380 | +0.303% | 39 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,446 | +0.738% | 35 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,168 | +0.135% | 15 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,175 | +0.847% | 21 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,902 | +0.562% | 16 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,609 | +0.124% | 15 | |
21 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,068 | +0.958% | 14 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,317 | +0.964% | 13 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,141 | +1.542% | 10 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,114 | +0.184% | 10 | |
25 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,164 | +0.800% | 30 | |
26 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,348 | +1.060% | 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)
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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