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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 FHA 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 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,008 | +0.141% | 51 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$426 | +0.612% | 85 | |
3 | WRIGHT-PATT CREDIT UNION, INC. | Exceptional | Strong | Strong | Sound | Exceptional | $319 | -0.329% | 194 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,983 | +0.451% | 41 | |
5 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,790 | +0.255% | 30 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | -$25 | +1.600% | 14 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,254 | +0.533% | 168 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,025 | +0.727% | 63 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,168 | +0.135% | 15 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,395 | +0.808% | 82 | |
11 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,446 | +0.738% | 35 | |
12 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,164 | +0.800% | 30 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,175 | +0.847% | 21 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,868 | +0.509% | 19 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,902 | +0.562% | 16 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,317 | +0.964% | 13 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,380 | +0.860% | 217 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,609 | +0.124% | 15 | |
19 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,068 | +0.958% | 14 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,543 | +1.297% | 12 |
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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