Top Mortgage Lenders in the Springfield, MO area

Which mortgage lender in the Springfield, MO area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Springfield, MO area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Springfield, MO area is Oakstarbank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.21%. This means that Oakstarbank provided a -0.21% lower interest rate for its customers than other lenders in Springfield, MO for a similar set of borrowers. Oakstarbank has a market share of 8.5%. On the other hand, the most popular lender in the market is Flat Branch Mortgage Inc, with a market share of 8.7%. Flat Branch Mortgage Inc is an average rate lender in this area, with a “Rate Difference” of -0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Springfield, MO area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Springfield, MO is Oakstarbank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Commerce Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Oakstarbank. The cheapest VA mortgage provider is also Oakstarbank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.21% 8.50%
Gateway First Bank 2, -0.14% 1.57%
Great Southern Bank 3, -0.14% 2.86%
First State Community Bank 4, -0.12% 0.78%
Central Bank Of The Ozarks 5, -0.11% 5.18%
Guaranty Bank 6, -0.09% 2.62%
Assemblies Of God Credit Union 7, -0.07% 3.20%
Flat Branch Mortgage Inc 8, -0.06% 8.74%
Bank of America 9, -0.06% 1.24%
Prosperity Home Mortgage 10, -0.05% 0.41%
Capitol Federal Savings Bank 11, -0.05% 0.57%
On Q Financial Inc 12, -0.04% 0.84%
Pennymac Loan Services 13, -0.04% 4.28%
Us Bank 14, -0.04% 3.53%
Arvest Bank 15, -0.04% 5.38%
Citizens Bank 16, -0.01% 1.21%
Caliber Home Loans Inc 17, -0.01% 0.43%
JPMorgan Chase Bank 18, -0.01% 0.68%
Associated Bank 19, -0.01% 0.57%
TIB The Independent Bankers Bank 20, -0.00% 1.77%
Carrington Mortgage Services 21, 0.01% 0.47%
Guild Mortgage Company 22, 0.01% 0.40%
Usaa Federal Savings Bank 23, 0.01% 1.51%
Simmons Bank 24, 0.03% 2.99%
Servion, Inc 25, 0.03% 0.67%
Bank Of Little Rock Mortgage Corporation 26, 0.04% 1.74%
Southern Bank 27, 0.05% 0.67%
BancorpSouth Bank 28, 0.05% 2.41%
Navy Federal Credit Union 29, 0.05% 0.68%
LoanDepot 30, 0.06% 1.67%
Gershman Investment Corp 31, 0.06% 6.37%
Fairway Independent Mort Corp 32, 0.06% 0.92%
Bnc National Bank 33, 0.07% 0.86%
Wells Fargo Bank 34, 0.07% 1.51%
Regions Bank 35, 0.08% 0.66%
Freedom Mortgage Corporation 36, 0.08% 0.61%
New American Funding 37, 0.09% 2.53%
Primelending 38, 0.10% 2.23%
Nationstar Mortgage 39, 0.14% 0.73%
Commerce Bank 40, 0.14% 2.03%
Quicken Loans 41, 0.18% 8.01%
DAS Acquisition Company 42, 0.23% 5.95%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.19% 8.67%
Bank of America 2, -0.14% 1.04%
Great Southern Bank 3, -0.12% 2.78%
Us Bank 4, -0.12% 2.91%
Guaranty Bank 5, -0.11% 2.80%
Gateway First Bank 6, -0.08% 1.17%
Central Bank Of The Ozarks 7, -0.08% 4.77%
JPMorgan Chase Bank 8, -0.07% 0.52%
Assemblies Of God Credit Union 9, -0.06% 3.21%
Prosperity Home Mortgage 10, -0.06% 0.61%
First State Community Bank 11, -0.05% 0.50%
On Q Financial Inc 12, -0.05% 1.06%
Pennymac Loan Services 13, -0.05% 4.06%
Arvest Bank 14, -0.04% 5.66%
Flat Branch Mortgage Inc 15, -0.04% 10.95%
Citizens Bank 16, -0.02% 1.43%
Caliber Home Loans Inc 17, -0.02% 0.26%
Wells Fargo Bank 18, -0.02% 1.32%
Capitol Federal Savings Bank 19, -0.01% 0.35%
TIB The Independent Bankers Bank 20, -0.00% 1.84%
Guild Mortgage Company 21, 0.01% 0.58%
Associated Bank 22, 0.01% 0.56%
Usaa Federal Savings Bank 23, 0.01% 1.91%
Freedom Mortgage Corporation 24, 0.02% 0.20%
Simmons Bank 25, 0.03% 3.06%
LoanDepot 26, 0.03% 0.78%
Regions Bank 27, 0.03% 0.46%
Carrington Mortgage Services 28, 0.04% 0.07%
Servion, Inc 29, 0.04% 0.56%
BancorpSouth Bank 30, 0.05% 2.99%
Bank Of Little Rock Mortgage Corporation 31, 0.05% 1.99%
Navy Federal Credit Union 32, 0.05% 0.84%
Gershman Investment Corp 33, 0.06% 8.13%
Commerce Bank 34, 0.06% 1.54%
Fairway Independent Mort Corp 35, 0.06% 1.21%
Bnc National Bank 36, 0.07% 1.04%
Nationstar Mortgage 37, 0.09% 0.39%
Southern Bank 38, 0.09% 0.56%
Primelending 39, 0.12% 2.76%
New American Funding 40, 0.12% 2.82%
Quicken Loans 41, 0.17% 4.06%
DAS Acquisition Company 42, 0.25% 7.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.25% 8.18%
Flat Branch Mortgage Inc 2, -0.19% 4.30%
Gateway First Bank 3, -0.19% 2.39%
First State Community Bank 4, -0.17% 1.34%
Great Southern Bank 5, -0.17% 3.03%
Central Bank Of The Ozarks 6, -0.16% 6.01%
Assemblies Of God Credit Union 7, -0.10% 3.18%
Capitol Federal Savings Bank 8, -0.07% 1.01%
Guaranty Bank 9, -0.05% 2.24%
Associated Bank 10, -0.04% 0.60%
Arvest Bank 11, -0.03% 4.82%
Pennymac Loan Services 12, -0.03% 4.71%
New American Funding 13, -0.02% 1.94%
Caliber Home Loans Inc 14, -0.01% 0.78%
Usaa Federal Savings Bank 15, -0.00% 0.71%
Citizens Bank 16, -0.00% 0.78%
On Q Financial Inc 17, -0.00% 0.41%
TIB The Independent Bankers Bank 18, 0.00% 1.64%
Southern Bank 19, 0.01% 0.90%
Carrington Mortgage Services 20, 0.01% 1.27%
Bank Of Little Rock Mortgage Corporation 21, 0.01% 1.23%
Simmons Bank 22, 0.02% 2.84%
Guild Mortgage Company 23, 0.02% 0.04%
Primelending 24, 0.02% 1.16%
Servion, Inc 25, 0.03% 0.90%
Gershman Investment Corp 26, 0.04% 2.84%
Fairway Independent Mort Corp 27, 0.04% 0.34%
Navy Federal Credit Union 28, 0.04% 0.37%
Bnc National Bank 29, 0.04% 0.49%
Bank of America 30, 0.05% 1.64%
JPMorgan Chase Bank 31, 0.06% 1.01%
Us Bank 32, 0.06% 4.78%
BancorpSouth Bank 33, 0.07% 1.23%
LoanDepot 34, 0.07% 3.47%
DAS Acquisition Company 35, 0.10% 2.65%
Freedom Mortgage Corporation 36, 0.11% 1.42%
Regions Bank 37, 0.13% 1.05%
Nationstar Mortgage 38, 0.17% 1.42%
Quicken Loans 39, 0.19% 15.95%
Wells Fargo Bank 40, 0.19% 1.91%
Commerce Bank 41, 0.22% 3.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.20% 9.76%
Gateway First Bank 2, -0.16% 1.90%
Great Southern Bank 3, -0.14% 3.58%
First State Community Bank 4, -0.12% 1.13%
Central Bank Of The Ozarks 5, -0.11% 6.22%
Flat Branch Mortgage Inc 6, -0.10% 8.17%
Guaranty Bank 7, -0.09% 2.50%
Capitol Federal Savings Bank 8, -0.08% 0.46%
Assemblies Of God Credit Union 9, -0.07% 4.33%
Prosperity Home Mortgage 10, -0.06% 0.38%
On Q Financial Inc 11, -0.05% 0.88%
Bank of America 12, -0.05% 1.54%
Us Bank 13, -0.04% 4.63%
Pennymac Loan Services 14, -0.03% 4.92%
Caliber Home Loans Inc 15, -0.01% 0.36%
Citizens Bank 16, -0.01% 1.25%
JPMorgan Chase Bank 17, -0.00% 0.95%
Associated Bank 18, -0.00% 0.77%
Arvest Bank 19, -0.00% 5.81%
Carrington Mortgage Services 20, 0.00% 0.27%
TIB The Independent Bankers Bank 21, 0.01% 2.49%
Freedom Mortgage Corporation 22, 0.02% 0.20%
Guild Mortgage Company 23, 0.04% 0.41%
Bnc National Bank 24, 0.04% 0.61%
Southern Bank 25, 0.06% 0.93%
Servion, Inc 26, 0.06% 0.73%
Simmons Bank 27, 0.06% 3.43%
LoanDepot 28, 0.07% 1.36%
Usaa Federal Savings Bank 29, 0.07% 0.66%
Bank Of Little Rock Mortgage Corporation 30, 0.07% 1.65%
Wells Fargo Bank 31, 0.08% 2.00%
Fairway Independent Mort Corp 32, 0.09% 0.72%
New American Funding 33, 0.10% 1.52%
Regions Bank 34, 0.10% 0.82%
BancorpSouth Bank 35, 0.11% 2.61%
Gershman Investment Corp 36, 0.12% 3.74%
Primelending 37, 0.14% 1.91%
Commerce Bank 38, 0.19% 2.43%
Navy Federal Credit Union 39, 0.19% 0.50%
Nationstar Mortgage 40, 0.22% 0.46%
DAS Acquisition Company 41, 0.22% 4.06%
Quicken Loans 42, 0.26% 6.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.17% 10.20%
Bank of America 2, -0.14% 1.25%
Us Bank 3, -0.12% 3.99%
Great Southern Bank 4, -0.12% 3.50%
Gateway First Bank 5, -0.11% 1.23%
Guaranty Bank 6, -0.10% 2.65%
Central Bank Of The Ozarks 7, -0.08% 5.53%
Flat Branch Mortgage Inc 8, -0.07% 10.11%
JPMorgan Chase Bank 9, -0.07% 0.74%
Prosperity Home Mortgage 10, -0.06% 0.60%
On Q Financial Inc 11, -0.06% 1.11%
Assemblies Of God Credit Union 12, -0.05% 4.62%
First State Community Bank 13, -0.04% 0.77%
Pennymac Loan Services 14, -0.03% 5.01%
Capitol Federal Savings Bank 15, -0.03% 0.23%
Citizens Bank 16, -0.01% 1.60%
Caliber Home Loans Inc 17, -0.01% 0.37%
Wells Fargo Bank 18, -0.01% 1.82%
Arvest Bank 19, 0.00% 6.32%
TIB The Independent Bankers Bank 20, 0.01% 2.71%
Associated Bank 21, 0.02% 0.83%
Freedom Mortgage Corporation 22, 0.02% 0.06%
LoanDepot 23, 0.02% 0.77%
Nationstar Mortgage 24, 0.03% 0.09%
Guild Mortgage Company 25, 0.04% 0.63%
Bnc National Bank 26, 0.04% 0.71%
Regions Bank 27, 0.06% 0.54%
Usaa Federal Savings Bank 28, 0.09% 0.85%
Bank Of Little Rock Mortgage Corporation 29, 0.09% 1.94%
Simmons Bank 30, 0.09% 3.36%
Servion, Inc 31, 0.09% 0.54%
Fairway Independent Mort Corp 32, 0.10% 0.97%
Southern Bank 33, 0.10% 0.85%
Commerce Bank 34, 0.11% 1.79%
BancorpSouth Bank 35, 0.11% 3.30%
New American Funding 36, 0.13% 1.91%
Gershman Investment Corp 37, 0.14% 4.67%
Primelending 38, 0.17% 2.34%
Navy Federal Credit Union 39, 0.21% 0.66%
Quicken Loans 40, 0.23% 3.79%
DAS Acquisition Company 41, 0.25% 5.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.27% 9.03%
Flat Branch Mortgage Inc 2, -0.21% 4.90%
Gateway First Bank 3, -0.19% 3.03%
Great Southern Bank 4, -0.17% 3.70%
First State Community Bank 5, -0.17% 1.73%
Central Bank Of The Ozarks 6, -0.16% 7.40%
Capitol Federal Savings Bank 7, -0.10% 0.86%
Assemblies Of God Credit Union 8, -0.10% 3.84%
Guaranty Bank 9, -0.06% 2.26%
Associated Bank 10, -0.04% 0.67%
Pennymac Loan Services 11, -0.02% 4.76%
Caliber Home Loans Inc 12, -0.02% 0.34%
Arvest Bank 13, -0.01% 4.95%
Usaa Federal Savings Bank 14, -0.01% 0.34%
Citizens Bank 15, -0.01% 0.67%
New American Funding 16, -0.00% 0.86%
On Q Financial Inc 17, 0.00% 0.48%
TIB The Independent Bankers Bank 18, 0.01% 2.11%
Southern Bank 19, 0.01% 1.06%
Carrington Mortgage Services 20, 0.01% 0.72%
Freedom Mortgage Corporation 21, 0.02% 0.43%
Simmons Bank 22, 0.02% 3.55%
Guild Mortgage Company 23, 0.03% 0.05%
Bank Of Little Rock Mortgage Corporation 24, 0.03% 1.15%
Primelending 25, 0.03% 1.20%
Servion, Inc 26, 0.04% 1.06%
Bnc National Bank 27, 0.05% 0.43%
Bank of America 28, 0.05% 2.02%
Gershman Investment Corp 29, 0.06% 2.16%
Fairway Independent Mort Corp 30, 0.06% 0.29%
JPMorgan Chase Bank 31, 0.06% 1.30%
Us Bank 32, 0.07% 5.72%
BancorpSouth Bank 33, 0.07% 1.44%
Navy Federal Credit Union 34, 0.08% 0.24%
LoanDepot 35, 0.10% 2.35%
DAS Acquisition Company 36, 0.12% 2.40%
Regions Bank 37, 0.14% 1.30%
Wells Fargo Bank 38, 0.20% 2.31%
Nationstar Mortgage 39, 0.25% 1.10%
Commerce Bank 40, 0.25% 3.51%
Quicken Loans 41, 0.29% 12.30%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.22% 4.78%
Arvest Bank 2, -0.19% 4.13%
Simmons Bank 3, -0.15% 2.32%
Guaranty Bank 4, -0.14% 3.49%
BancorpSouth Bank 5, -0.14% 2.65%
Central Bank Of The Ozarks 6, -0.13% 2.52%
Bank of America 7, -0.12% 0.65%
Great Southern Bank 8, -0.09% 0.84%
Guild Mortgage Company 9, -0.08% 0.45%
Pennymac Loan Services 10, -0.08% 1.68%
Commerce Bank 11, -0.08% 1.36%
Servion, Inc 12, -0.07% 0.58%
Prosperity Home Mortgage 13, -0.05% 0.65%
Regions Bank 14, -0.05% 0.26%
TIB The Independent Bankers Bank 15, -0.04% 0.13%
Gateway First Bank 16, -0.04% 0.84%
Fairway Independent Mort Corp 17, -0.04% 1.03%
Citizens Bank 18, -0.04% 1.10%
Navy Federal Credit Union 19, -0.04% 0.19%
On Q Financial Inc 20, -0.04% 0.84%
Us Bank 21, -0.03% 0.97%
Gershman Investment Corp 22, -0.02% 13.94%
Bank Of Little Rock Mortgage Corporation 23, -0.02% 2.19%
Carrington Mortgage Services 24, -0.01% 1.10%
Caliber Home Loans Inc 25, -0.01% 0.32%
Assemblies Of God Credit Union 26, -0.01% 0.06%
Wells Fargo Bank 27, -0.01% 0.06%
Flat Branch Mortgage Inc 28, 0.01% 11.75%
Quicken Loans 29, 0.01% 11.04%
LoanDepot 30, 0.02% 1.61%
Freedom Mortgage Corporation 31, 0.04% 1.16%
Primelending 32, 0.04% 3.55%
Nationstar Mortgage 33, 0.05% 1.55%
New American Funding 34, 0.08% 5.04%
Bnc National Bank 35, 0.09% 1.48%
DAS Acquisition Company 36, 0.24% 13.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.24% 5.16%
Arvest Bank 2, -0.20% 4.69%
Guaranty Bank 3, -0.16% 3.75%
Simmons Bank 4, -0.15% 2.81%
BancorpSouth Bank 5, -0.15% 3.05%
Central Bank Of The Ozarks 6, -0.14% 2.89%
Bank of America 7, -0.12% 0.78%
Great Southern Bank 8, -0.10% 0.94%
Pennymac Loan Services 9, -0.09% 1.56%
Guild Mortgage Company 10, -0.09% 0.55%
Commerce Bank 11, -0.09% 1.25%
Servion, Inc 12, -0.08% 0.70%
Prosperity Home Mortgage 13, -0.05% 0.78%
Regions Bank 14, -0.05% 0.31%
TIB The Independent Bankers Bank 15, -0.05% 0.16%
Gateway First Bank 16, -0.05% 1.02%
Citizens Bank 17, -0.04% 1.09%
Fairway Independent Mort Corp 18, -0.04% 1.25%
On Q Financial Inc 19, -0.04% 0.94%
Navy Federal Credit Union 20, -0.04% 0.23%
Us Bank 21, -0.03% 0.94%
Gershman Investment Corp 22, -0.02% 15.47%
Assemblies Of God Credit Union 23, -0.02% 0.08%
Bank Of Little Rock Mortgage Corporation 24, -0.02% 2.34%
Caliber Home Loans Inc 25, -0.01% 0.08%
Freedom Mortgage Corporation 26, -0.01% 0.55%
Flat Branch Mortgage Inc 27, 0.00% 13.67%
Carrington Mortgage Services 28, 0.01% 0.23%
LoanDepot 29, 0.02% 0.78%
Primelending 30, 0.04% 4.06%
Nationstar Mortgage 31, 0.09% 1.09%
Bnc National Bank 32, 0.09% 1.72%
Quicken Loans 33, 0.09% 4.92%
New American Funding 34, 0.11% 4.61%
DAS Acquisition Company 35, 0.25% 15.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.08% 2.97%
Commerce Bank 2, -0.04% 1.86%
Pennymac Loan Services 3, -0.03% 2.23%
Bank Of Little Rock Mortgage Corporation 4, -0.02% 1.49%
Quicken Loans 5, -0.02% 40.15%
Arvest Bank 6, -0.01% 1.49%
Flat Branch Mortgage Inc 7, -0.01% 2.60%
Great Southern Bank 8, -0.01% 0.37%
Citizens Bank 9, -0.01% 1.12%
BancorpSouth Bank 10, -0.01% 0.74%
New American Funding 11, -0.00% 7.06%
Gershman Investment Corp 12, 0.00% 6.69%
Central Bank Of The Ozarks 13, 0.00% 0.74%
On Q Financial Inc 14, 0.00% 0.37%
Guaranty Bank 15, 0.00% 2.23%
Carrington Mortgage Services 16, 0.00% 5.20%
Primelending 17, 0.00% 1.12%
Us Bank 18, 0.01% 1.12%
Caliber Home Loans Inc 19, 0.01% 1.49%
Wells Fargo Bank 20, 0.02% 0.37%
Nationstar Mortgage 21, 0.03% 3.72%
Bnc National Bank 22, 0.03% 0.37%
LoanDepot 23, 0.05% 5.58%
DAS Acquisition Company 24, 0.08% 4.83%
Freedom Mortgage Corporation 25, 0.09% 4.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Commerce Bank 1, -0.03% 6.25%
Associated Bank 2, -0.01% 4.69%
Arvest Bank 3, -0.01% 1.56%
Navy Federal Credit Union 4, -0.01% 1.56%
Bank of America 5, -0.01% 3.12%
JPMorgan Chase Bank 6, -0.01% 1.56%
Wells Fargo Bank 7, -0.01% 6.25%
Capitol Federal Savings Bank 8, -0.01% 31.25%
Regions Bank 9, -0.01% 3.12%
Simmons Bank 10, -0.01% 1.56%
Quicken Loans 11, -0.00% 3.12%
Us Bank 12, 0.01% 7.81%
LoanDepot 13, 0.01% 1.56%
Southern Bank 14, 0.01% 3.12%
Central Bank Of The Ozarks 15, 0.02% 23.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 6.25%
Commerce Bank 2, -0.03% 6.25%
Navy Federal Credit Union 3, -0.01% 3.12%
JPMorgan Chase Bank 4, -0.01% 3.12%
Simmons Bank 5, -0.01% 3.12%
Regions Bank 6, -0.01% 3.12%
Quicken Loans 7, -0.01% 3.12%
Capitol Federal Savings Bank 8, -0.00% 34.38%
Associated Bank 9, -0.00% 3.12%
Central Bank Of The Ozarks 10, 0.02% 34.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Commerce Bank 1, -0.03% 6.25%
Associated Bank 2, -0.01% 6.25%
Capitol Federal Savings Bank 3, -0.01% 28.12%
Arvest Bank 4, -0.01% 3.12%
Regions Bank 5, -0.00% 3.12%
Bank of America 6, -0.00% 6.25%
Quicken Loans 7, 0.00% 3.12%
Us Bank 8, 0.01% 15.62%
Central Bank Of The Ozarks 9, 0.01% 12.50%
LoanDepot 10, 0.01% 3.12%
Southern Bank 11, 0.01% 6.25%
Wells Fargo Bank 12, 0.02% 6.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.18% 7.67%
Navy Federal Credit Union 2, -0.09% 2.67%
Arvest Bank 3, -0.09% 5.11%
Great Southern Bank 4, -0.07% 2.09%
Pennymac Loan Services 5, -0.07% 5.11%
Central Bank Of The Ozarks 6, -0.03% 1.86%
Assemblies Of God Credit Union 7, -0.03% 1.74%
Guaranty Bank 8, -0.02% 1.97%
Bank Of Little Rock Mortgage Corporation 9, -0.02% 1.63%
Wells Fargo Bank 10, -0.02% 0.58%
Caliber Home Loans Inc 11, -0.02% 1.16%
Flat Branch Mortgage Inc 12, -0.01% 7.67%
Bank of America 13, -0.01% 0.23%
Citizens Bank 14, -0.01% 1.28%
Usaa Federal Savings Bank 15, -0.01% 9.87%
Guild Mortgage Company 16, -0.00% 0.23%
Prosperity Home Mortgage 17, -0.00% 0.23%
Servion, Inc 18, 0.00% 0.46%
Simmons Bank 19, 0.00% 1.39%
Commerce Bank 20, 0.01% 0.35%
JPMorgan Chase Bank 21, 0.01% 0.12%
Us Bank 22, 0.01% 0.70%
TIB The Independent Bankers Bank 23, 0.01% 0.23%
Regions Bank 24, 0.01% 0.12%
Carrington Mortgage Services 25, 0.01% 0.70%
BancorpSouth Bank 26, 0.01% 0.81%
On Q Financial Inc 27, 0.02% 0.70%
New American Funding 28, 0.03% 4.76%
Bnc National Bank 29, 0.04% 1.39%
Primelending 30, 0.04% 2.09%
Gateway First Bank 31, 0.05% 0.93%
LoanDepot 32, 0.05% 3.83%
Gershman Investment Corp 33, 0.05% 10.34%
Nationstar Mortgage 34, 0.08% 1.05%
Fairway Independent Mort Corp 35, 0.08% 2.09%
Quicken Loans 36, 0.09% 9.76%
DAS Acquisition Company 37, 0.10% 4.76%
Freedom Mortgage Corporation 38, 0.14% 2.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.18% 7.58%
Navy Federal Credit Union 2, -0.11% 3.17%
Great Southern Bank 3, -0.09% 2.65%
Pennymac Loan Services 4, -0.07% 4.06%
Arvest Bank 5, -0.05% 4.06%
Guaranty Bank 6, -0.04% 1.76%
Central Bank Of The Ozarks 7, -0.03% 2.65%
Assemblies Of God Credit Union 8, -0.02% 1.76%
Citizens Bank 9, -0.02% 1.23%
Bank Of Little Rock Mortgage Corporation 10, -0.02% 1.59%
Wells Fargo Bank 11, -0.02% 0.88%
Flat Branch Mortgage Inc 12, -0.01% 10.58%
Bank of America 13, -0.01% 0.35%
Usaa Federal Savings Bank 14, -0.01% 12.87%
Guild Mortgage Company 15, -0.00% 0.35%
Prosperity Home Mortgage 16, 0.00% 0.35%
Commerce Bank 17, 0.00% 0.35%
Simmons Bank 18, 0.01% 1.76%
Us Bank 19, 0.01% 0.88%
JPMorgan Chase Bank 20, 0.01% 0.18%
BancorpSouth Bank 21, 0.01% 1.06%
TIB The Independent Bankers Bank 22, 0.01% 0.35%
Regions Bank 23, 0.01% 0.18%
Servion, Inc 24, 0.02% 0.35%
On Q Financial Inc 25, 0.02% 1.06%
Carrington Mortgage Services 26, 0.03% 0.18%
Freedom Mortgage Corporation 27, 0.04% 0.35%
Quicken Loans 28, 0.05% 3.88%
Bnc National Bank 29, 0.05% 1.59%
Gateway First Bank 30, 0.05% 1.23%
Nationstar Mortgage 31, 0.05% 0.71%
Primelending 32, 0.05% 2.65%
Gershman Investment Corp 33, 0.07% 13.40%
New American Funding 34, 0.09% 4.59%
LoanDepot 35, 0.10% 0.88%
Fairway Independent Mort Corp 36, 0.11% 2.65%
DAS Acquisition Company 37, 0.13% 5.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Oakstarbank 1, -0.17% 7.82%
Arvest Bank 2, -0.12% 7.14%
New American Funding 3, -0.08% 5.10%
Pennymac Loan Services 4, -0.07% 7.14%
Assemblies Of God Credit Union 5, -0.03% 1.70%
Bank Of Little Rock Mortgage Corporation 6, -0.02% 1.70%
Servion, Inc 7, -0.02% 0.68%
Caliber Home Loans Inc 8, -0.02% 3.40%
Gershman Investment Corp 9, -0.02% 4.42%
Fairway Independent Mort Corp 10, -0.02% 1.02%
Simmons Bank 11, -0.02% 0.68%
Usaa Federal Savings Bank 12, -0.01% 4.08%
Flat Branch Mortgage Inc 13, -0.01% 2.04%
Navy Federal Credit Union 14, -0.01% 1.70%
Guaranty Bank 15, -0.01% 2.38%
Primelending 16, -0.00% 1.02%
Great Southern Bank 17, -0.00% 1.02%
DAS Acquisition Company 18, -0.00% 2.72%
Carrington Mortgage Services 19, 0.00% 1.70%
Citizens Bank 20, 0.01% 1.36%
Bnc National Bank 21, 0.01% 1.02%
Central Bank Of The Ozarks 22, 0.01% 0.34%
Commerce Bank 23, 0.01% 0.34%
Gateway First Bank 24, 0.02% 0.34%
Us Bank 25, 0.03% 0.34%
BancorpSouth Bank 26, 0.03% 0.34%
LoanDepot 27, 0.03% 9.52%
Nationstar Mortgage 28, 0.09% 1.70%
Quicken Loans 29, 0.10% 21.09%
Freedom Mortgage Corporation 30, 0.15% 6.12%

* Data is compiled for the Springfield, MO commuting zone area, which comprises of counties of Christian County, MO, Dallas County, MO, Greene County, MO, Hickory County, MO, Laclede County, MO, Polk County, MO, and Webster County, MO. This includes cities/towns/communities of Springfield, MO as well as Nixa, MO, Republic, MO, Ozark, MO, Lebanon, MO, Willard, MO, Highlandville, MO, Marshfield, MO, Battlefield, MO, Fremont Hills, MO, Republic, MO, Strafford, MO, Sparta, MO, Rogersville, MO, Aldrich, MO, Pleasant Hope, MO, Rogersville, MO, Conway, MO, Bolivar, MO, Fair Play, MO, Billings, MO, Stoutland, MO, Niangua, MO, Buffalo, MO, Diggins, MO, Urbana, MO, Weaubleau, MO, Walnut Grove, MO, Seymour, MO, Hermitage, MO, Fordland, MO, and Wheatland, MO. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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