Top Mortgage Lenders in Springfield, MO

Which mortgage lender in the Springfield, MO area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Springfield, MO area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Springfield, MO area in terms of interest rate is Oakstar Bank, with an average “Rate Difference” of -0.21%. This means that, comparing similar borrowers, Oakstar Bank provided a -0.21% lower interest rate for its customers than other lenders in the area. Oakstar Bank has a market share of 8.8%. On the other hand, the most popular lender in the Springfield, MO area is Flat Branch Mortgage, with a larger market share of 9.0%. Flat Branch Mortgage is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in 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 Oakstar Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), 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 Oakstar Bank. The cheapest VA mortgage provider is also Oakstar Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Springfield, MO

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.21%(4.5)8.77%
Gateway First Bank-0.14%(4.0)1.62%
Great Southern Bank-0.14%(4.0)2.95%
First State Community Bank-0.12%(4.0)0.81%
Central Bank of the Ozarks-0.11%(4.0)5.35%
Guaranty Bank-0.09%(4.0)2.70%
Assemblies Of God Credit Union-0.07%(4.0)3.30%
Flat Branch Mortgage-0.06%(4.0)9.02%
Bank of America-0.06%(4.0)1.28%
Prosperity Home Mortgage LLC-0.05%(4.0)0.42%
Capitol Federal Savings Bank-0.05%(3.5)0.59%
On Q Financial-0.04%(3.5)0.87%
PennyMac Loan Services-0.04%(3.5)4.41%
US Bank-0.04%(3.5)3.64%
Arvest Bank-0.04%(3.5)5.55%
Caliber Home Loans-0.01%(3.5)0.45%
JPMorgan Chase Bank-0.01%(3.5)0.70%
Associated Bank-0.01%(3.5)0.59%
Carrington Mortgage Services0.01%(3.5)0.49%
Guild Mortgage Company0.01%(3.5)0.41%
USAA0.01%(3.5)1.56%
Simmons Bank0.03%(3.5)3.08%
Servion0.03%(3.5)0.69%
Bank of Little Rock0.04%(3.5)1.79%
Southern Bank0.05%(3.0)0.69%
BancorpSouth Bank0.05%(3.0)2.48%
loanDepot0.05%(3.0)1.71%
Navy Federal Credit Union0.06%(3.0)0.69%
Gershman Mortgage0.06%(3.0)6.57%
Fairway Independent Mortgage Corporation0.06%(3.0)0.95%
BNC National Bank0.06%(3.0)0.88%
Wells Fargo Bank0.07%(3.0)1.56%
Regions Bank0.08%(3.0)0.68%
Freedom Mortgage Corporation0.08%(3.0)0.63%
New American Funding0.09%(3.0)2.61%
PrimeLending0.10%(3.0)2.30%
Mr. Cooper0.14%(3.0)0.75%
Commerce Bank0.14%(3.0)2.08%
Quicken Loans0.18%(2.5)8.22%
DAS Acquisition Company0.23%(2.5)6.14%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.19%(4.5)8.96%
Bank of America-0.14%(4.0)1.07%
Great Southern Bank-0.12%(4.0)2.88%
US Bank-0.12%(4.0)3.01%
Guaranty Bank-0.11%(4.0)2.90%
Gateway First Bank-0.08%(4.0)1.21%
Central Bank of the Ozarks-0.08%(4.0)4.93%
JPMorgan Chase Bank-0.07%(4.0)0.54%
Assemblies Of God Credit Union-0.06%(4.0)3.32%
Prosperity Home Mortgage LLC-0.06%(4.0)0.63%
First State Community Bank-0.05%(4.0)0.52%
On Q Financial-0.05%(4.0)1.09%
PennyMac Loan Services-0.05%(3.5)4.20%
Arvest Bank-0.04%(3.5)5.85%
Flat Branch Mortgage-0.04%(3.5)11.32%
Caliber Home Loans-0.02%(3.5)0.27%
Wells Fargo Bank-0.02%(3.5)1.36%
Capitol Federal Savings Bank-0.01%(3.5)0.36%
Guild Mortgage Company0.00%(3.5)0.59%
Associated Bank0.01%(3.5)0.58%
USAA0.01%(3.5)1.98%
Freedom Mortgage Corporation0.02%(3.5)0.21%
Simmons Bank0.03%(3.5)3.17%
loanDepot0.03%(3.5)0.81%
Regions Bank0.03%(3.5)0.48%
Carrington Mortgage Services0.04%(3.5)0.08%
Servion0.04%(3.5)0.58%
BancorpSouth Bank0.05%(3.5)3.09%
Bank of Little Rock0.05%(3.0)2.05%
Gershman Mortgage0.06%(3.0)8.41%
Navy Federal Credit Union0.06%(3.0)0.84%
Commerce Bank0.06%(3.0)1.59%
Fairway Independent Mortgage Corporation0.06%(3.0)1.25%
BNC National Bank0.07%(3.0)1.07%
Mr. Cooper0.09%(3.0)0.40%
Southern Bank0.09%(3.0)0.58%
PrimeLending0.11%(3.0)2.86%
New American Funding0.12%(3.0)2.92%
Quicken Loans0.17%(2.5)4.18%
DAS Acquisition Company0.25%(2.5)7.85%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.25%(4.5)8.40%
Flat Branch Mortgage-0.19%(4.5)4.41%
Gateway First Bank-0.19%(4.5)2.45%
First State Community Bank-0.17%(4.5)1.38%
Great Southern Bank-0.17%(4.5)3.11%
Central Bank of the Ozarks-0.16%(4.5)6.17%
Assemblies Of God Credit Union-0.10%(4.0)3.26%
Capitol Federal Savings Bank-0.07%(4.0)1.04%
Guaranty Bank-0.05%(3.5)2.30%
Associated Bank-0.04%(3.5)0.61%
Arvest Bank-0.03%(3.5)4.95%
PennyMac Loan Services-0.03%(3.5)4.83%
New American Funding-0.02%(3.5)1.99%
Caliber Home Loans-0.00%(3.5)0.81%
USAA-0.00%(3.5)0.73%
On Q Financial-0.00%(3.5)0.42%
Southern Bank0.01%(3.5)0.92%
Carrington Mortgage Services0.01%(3.5)1.30%
Bank of Little Rock0.02%(3.5)1.27%
Simmons Bank0.02%(3.5)2.91%
Guild Mortgage Company0.02%(3.5)0.04%
PrimeLending0.02%(3.5)1.19%
Servion0.03%(3.5)0.92%
Gershman Mortgage0.04%(3.5)2.91%
Fairway Independent Mortgage Corporation0.04%(3.5)0.35%
Navy Federal Credit Union0.04%(3.5)0.38%
BNC National Bank0.04%(3.5)0.50%
Bank of America0.05%(3.5)1.69%
JPMorgan Chase Bank0.06%(3.0)1.04%
US Bank0.06%(3.0)4.91%
BancorpSouth Bank0.07%(3.0)1.27%
loanDepot0.07%(3.0)3.53%
DAS Acquisition Company0.10%(3.0)2.72%
Freedom Mortgage Corporation0.11%(3.0)1.46%
Regions Bank0.13%(3.0)1.07%
Mr. Cooper0.17%(2.5)1.46%
Quicken Loans0.18%(2.5)16.30%
Wells Fargo Bank0.19%(2.5)1.96%
Commerce Bank0.23%(2.5)3.07%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.20%(4.5)10.15%
Gateway First Bank-0.16%(4.5)1.97%
Great Southern Bank-0.14%(4.0)3.72%
First State Community Bank-0.11%(4.0)1.17%
Central Bank of the Ozarks-0.11%(4.0)6.47%
Flat Branch Mortgage-0.10%(4.0)8.49%
Guaranty Bank-0.09%(4.0)2.60%
Capitol Federal Savings Bank-0.08%(4.0)0.48%
Assemblies Of God Credit Union-0.07%(4.0)4.50%
Prosperity Home Mortgage LLC-0.06%(4.0)0.39%
On Q Financial-0.05%(3.5)0.91%
Bank of America-0.05%(3.5)1.60%
US Bank-0.04%(3.5)4.81%
PennyMac Loan Services-0.03%(3.5)5.11%
Caliber Home Loans-0.01%(3.5)0.37%
JPMorgan Chase Bank-0.00%(3.5)0.99%
Associated Bank-0.00%(3.5)0.80%
Arvest Bank-0.00%(3.5)6.04%
Carrington Mortgage Services0.00%(3.5)0.28%
Freedom Mortgage Corporation0.02%(3.5)0.20%
Guild Mortgage Company0.04%(3.5)0.43%
BNC National Bank0.05%(3.5)0.63%
Southern Bank0.06%(3.0)0.97%
Servion0.06%(3.0)0.76%
Simmons Bank0.06%(3.0)3.57%
loanDepot0.07%(3.0)1.39%
USAA0.07%(3.0)0.69%
Bank of Little Rock0.07%(3.0)1.71%
Wells Fargo Bank0.08%(3.0)2.08%
Fairway Independent Mortgage Corporation0.09%(3.0)0.74%
New American Funding0.10%(3.0)1.58%
Regions Bank0.11%(3.0)0.86%
BancorpSouth Bank0.11%(3.0)2.71%
Gershman Mortgage0.12%(3.0)3.88%
PrimeLending0.14%(3.0)1.99%
Commerce Bank0.19%(2.5)2.53%
Navy Federal Credit Union0.19%(2.5)0.52%
Mr. Cooper0.22%(2.5)0.48%
DAS Acquisition Company0.22%(2.5)4.22%
Quicken Loans0.26%(2.0)7.19%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.17%(4.5)10.66%
Bank of America-0.14%(4.0)1.31%
US Bank-0.12%(4.0)4.17%
Great Southern Bank-0.12%(4.0)3.66%
Gateway First Bank-0.11%(4.0)1.28%
Guaranty Bank-0.10%(4.0)2.77%
Central Bank of the Ozarks-0.08%(4.0)5.78%
Flat Branch Mortgage-0.07%(4.0)10.57%
JPMorgan Chase Bank-0.07%(4.0)0.77%
Prosperity Home Mortgage LLC-0.06%(4.0)0.63%
On Q Financial-0.06%(4.0)1.16%
Assemblies Of God Credit Union-0.05%(4.0)4.82%
First State Community Bank-0.04%(3.5)0.80%
PennyMac Loan Services-0.03%(3.5)5.24%
Capitol Federal Savings Bank-0.03%(3.5)0.24%
Caliber Home Loans-0.01%(3.5)0.39%
Wells Fargo Bank-0.01%(3.5)1.91%
Arvest Bank0.00%(3.5)6.61%
Associated Bank0.02%(3.5)0.86%
Freedom Mortgage Corporation0.02%(3.5)0.06%
loanDepot0.02%(3.5)0.80%
Mr. Cooper0.03%(3.5)0.09%
Guild Mortgage Company0.04%(3.5)0.65%
BNC National Bank0.04%(3.5)0.74%
Regions Bank0.06%(3.0)0.57%
USAA0.09%(3.0)0.89%
Bank of Little Rock0.09%(3.0)2.02%
Simmons Bank0.09%(3.0)3.51%
Servion0.09%(3.0)0.57%
Fairway Independent Mortgage Corporation0.10%(3.0)1.01%
Southern Bank0.10%(3.0)0.89%
Commerce Bank0.11%(3.0)1.88%
BancorpSouth Bank0.11%(3.0)3.45%
New American Funding0.13%(3.0)1.99%
Gershman Mortgage0.14%(3.0)4.88%
PrimeLending0.17%(2.5)2.44%
Navy Federal Credit Union0.21%(2.5)0.68%
Quicken Loans0.23%(2.5)3.96%
DAS Acquisition Company0.25%(2.5)5.27%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.27%(5.0)9.30%
Flat Branch Mortgage-0.21%(4.5)5.05%
Gateway First Bank-0.19%(4.5)3.12%
Great Southern Bank-0.17%(4.5)3.81%
First State Community Bank-0.17%(4.5)1.78%
Central Bank of the Ozarks-0.16%(4.5)7.62%
Capitol Federal Savings Bank-0.10%(4.0)0.89%
Assemblies Of God Credit Union-0.10%(4.0)3.96%
Guaranty Bank-0.06%(4.0)2.33%
Associated Bank-0.04%(3.5)0.69%
PennyMac Loan Services-0.02%(3.5)4.90%
Caliber Home Loans-0.02%(3.5)0.35%
Arvest Bank-0.01%(3.5)5.10%
USAA-0.01%(3.5)0.35%
New American Funding-0.00%(3.5)0.89%
On Q Financial0.00%(3.5)0.49%
Southern Bank0.01%(3.5)1.09%
Carrington Mortgage Services0.01%(3.5)0.74%
Freedom Mortgage Corporation0.02%(3.5)0.45%
Simmons Bank0.02%(3.5)3.66%
Guild Mortgage Company0.03%(3.5)0.05%
Bank of Little Rock0.03%(3.5)1.19%
PrimeLending0.03%(3.5)1.24%
Servion0.04%(3.5)1.09%
BNC National Bank0.05%(3.0)0.45%
Bank of America0.05%(3.0)2.08%
Gershman Mortgage0.06%(3.0)2.23%
Fairway Independent Mortgage Corporation0.06%(3.0)0.30%
JPMorgan Chase Bank0.06%(3.0)1.34%
US Bank0.07%(3.0)5.89%
BancorpSouth Bank0.08%(3.0)1.48%
Navy Federal Credit Union0.08%(3.0)0.25%
loanDepot0.09%(3.0)2.38%
DAS Acquisition Company0.12%(3.0)2.47%
Regions Bank0.14%(3.0)1.34%
Wells Fargo Bank0.20%(2.5)2.38%
Mr. Cooper0.25%(2.5)1.14%
Commerce Bank0.25%(2.0)3.61%
Quicken Loans0.29%(2.0)12.57%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.22%(4.5)4.84%
Arvest Bank-0.19%(4.5)4.19%
Simmons Bank-0.15%(4.0)2.35%
Guaranty Bank-0.14%(4.0)3.53%
BancorpSouth Bank-0.14%(4.0)2.68%
Central Bank of the Ozarks-0.13%(4.0)2.55%
Bank of America-0.12%(4.0)0.65%
Great Southern Bank-0.09%(4.0)0.85%
Guild Mortgage Company-0.08%(4.0)0.46%
PennyMac Loan Services-0.08%(4.0)1.70%
Commerce Bank-0.08%(4.0)1.37%
Servion-0.07%(4.0)0.59%
Prosperity Home Mortgage LLC-0.05%(4.0)0.65%
Regions Bank-0.05%(3.5)0.26%
Gateway First Bank-0.04%(3.5)0.85%
Fairway Independent Mortgage Corporation-0.04%(3.5)1.05%
Navy Federal Credit Union-0.04%(3.5)0.20%
On Q Financial-0.04%(3.5)0.85%
US Bank-0.03%(3.5)0.98%
Gershman Mortgage-0.02%(3.5)14.13%
Bank of Little Rock-0.02%(3.5)2.22%
Carrington Mortgage Services-0.02%(3.5)1.11%
Caliber Home Loans-0.01%(3.5)0.33%
Assemblies Of God Credit Union-0.01%(3.5)0.07%
Wells Fargo Bank-0.01%(3.5)0.07%
Flat Branch Mortgage0.01%(3.5)11.90%
Quicken Loans0.01%(3.5)11.12%
loanDepot0.02%(3.5)1.64%
Freedom Mortgage Corporation0.04%(3.5)1.18%
PrimeLending0.04%(3.5)3.60%
Mr. Cooper0.05%(3.0)1.57%
New American Funding0.08%(3.0)5.10%
BNC National Bank0.09%(3.0)1.50%
DAS Acquisition Company0.24%(2.5)13.87%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.24%(4.5)5.23%
Arvest Bank-0.21%(4.5)4.75%
Guaranty Bank-0.16%(4.5)3.80%
Simmons Bank-0.15%(4.5)2.85%
BancorpSouth Bank-0.15%(4.0)3.09%
Central Bank of the Ozarks-0.14%(4.0)2.93%
Bank of America-0.12%(4.0)0.79%
Great Southern Bank-0.10%(4.0)0.95%
PennyMac Loan Services-0.09%(4.0)1.58%
Guild Mortgage Company-0.09%(4.0)0.55%
Commerce Bank-0.09%(4.0)1.27%
Servion-0.08%(4.0)0.71%
Prosperity Home Mortgage LLC-0.06%(4.0)0.79%
Regions Bank-0.05%(4.0)0.32%
Gateway First Bank-0.05%(3.5)1.03%
Fairway Independent Mortgage Corporation-0.04%(3.5)1.27%
On Q Financial-0.04%(3.5)0.95%
Navy Federal Credit Union-0.04%(3.5)0.24%
US Bank-0.03%(3.5)0.95%
Gershman Mortgage-0.02%(3.5)15.68%
Assemblies Of God Credit Union-0.02%(3.5)0.08%
Bank of Little Rock-0.02%(3.5)2.38%
Caliber Home Loans-0.01%(3.5)0.08%
Freedom Mortgage Corporation-0.01%(3.5)0.55%
Flat Branch Mortgage0.00%(3.5)13.86%
Carrington Mortgage Services0.01%(3.5)0.24%
loanDepot0.02%(3.5)0.79%
PrimeLending0.04%(3.5)4.12%
Mr. Cooper0.09%(3.0)1.11%
BNC National Bank0.09%(3.0)1.74%
Quicken Loans0.10%(3.0)4.91%
New American Funding0.11%(3.0)4.67%
DAS Acquisition Company0.25%(2.5)15.76%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.08%(4.0)3.01%
Commerce Bank-0.04%(3.5)1.88%
PennyMac Loan Services-0.03%(3.5)2.26%
Bank of Little Rock-0.02%(3.5)1.50%
Quicken Loans-0.02%(3.5)40.60%
Arvest Bank-0.01%(3.5)1.50%
Flat Branch Mortgage-0.01%(3.5)2.63%
Great Southern Bank-0.01%(3.5)0.38%
BancorpSouth Bank-0.01%(3.5)0.75%
New American Funding-0.00%(3.5)7.14%
Gershman Mortgage0.00%(3.5)6.77%
Central Bank of the Ozarks0.00%(3.5)0.75%
On Q Financial0.00%(3.5)0.38%
Guaranty Bank0.00%(3.5)2.26%
Carrington Mortgage Services0.00%(3.5)5.26%
PrimeLending0.00%(3.5)1.13%
US Bank0.01%(3.5)1.13%
Caliber Home Loans0.01%(3.5)1.50%
Wells Fargo Bank0.02%(3.5)0.38%
Mr. Cooper0.03%(3.5)3.76%
BNC National Bank0.03%(3.5)0.38%
loanDepot0.05%(3.5)5.64%
DAS Acquisition Company0.08%(3.0)4.89%
Freedom Mortgage Corporation0.09%(3.0)4.14%
Lender NameRate DifferenceRate RatingMarket Share
Commerce Bank-0.03%(3.5)4.76%
Associated Bank-0.01%(3.5)4.76%
Arvest Bank-0.01%(3.5)1.59%
Bank of America-0.01%(3.5)3.17%
Navy Federal Credit Union-0.01%(3.5)1.59%
Capitol Federal Savings Bank-0.01%(3.5)31.75%
JPMorgan Chase Bank-0.01%(3.5)1.59%
Wells Fargo Bank-0.01%(3.5)6.35%
Regions Bank-0.01%(3.5)3.17%
Simmons Bank-0.01%(3.5)1.59%
Quicken Loans-0.00%(3.5)3.17%
US Bank0.00%(3.5)7.94%
loanDepot0.01%(3.5)1.59%
Southern Bank0.01%(3.5)3.17%
Central Bank of the Ozarks0.02%(3.5)23.81%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)6.25%
Commerce Bank-0.03%(3.5)6.25%
Navy Federal Credit Union-0.01%(3.5)3.12%
JPMorgan Chase Bank-0.01%(3.5)3.12%
Simmons Bank-0.01%(3.5)3.12%
Regions Bank-0.01%(3.5)3.12%
Quicken Loans-0.01%(3.5)3.12%
Capitol Federal Savings Bank-0.00%(3.5)34.38%
Associated Bank-0.00%(3.5)3.12%
Central Bank of the Ozarks0.02%(3.5)34.38%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.01%(3.5)6.45%
Commerce Bank-0.01%(3.5)3.23%
Capitol Federal Savings Bank-0.01%(3.5)29.03%
Arvest Bank-0.01%(3.5)3.23%
Bank of America-0.00%(3.5)6.45%
Regions Bank-0.00%(3.5)3.23%
Quicken Loans-0.00%(3.5)3.23%
US Bank0.01%(3.5)16.13%
loanDepot0.01%(3.5)3.23%
Central Bank of the Ozarks0.01%(3.5)12.90%
Southern Bank0.01%(3.5)6.45%
Wells Fargo Bank0.02%(3.5)6.45%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.18%(4.5)7.79%
Navy Federal Credit Union-0.09%(4.0)2.60%
Arvest Bank-0.08%(4.0)5.19%
Great Southern Bank-0.07%(4.0)2.13%
PennyMac Loan Services-0.07%(4.0)5.19%
Central Bank of the Ozarks-0.03%(3.5)1.89%
Assemblies Of God Credit Union-0.03%(3.5)1.77%
Guaranty Bank-0.02%(3.5)2.01%
Bank of Little Rock-0.02%(3.5)1.65%
Wells Fargo Bank-0.02%(3.5)0.59%
Caliber Home Loans-0.02%(3.5)1.18%
Bank of America-0.02%(3.5)0.24%
Flat Branch Mortgage-0.02%(3.5)7.79%
USAA-0.01%(3.5)10.04%
Guild Mortgage Company-0.00%(3.5)0.24%
Prosperity Home Mortgage LLC-0.00%(3.5)0.24%
Servion0.00%(3.5)0.47%
Simmons Bank0.00%(3.5)1.42%
Commerce Bank0.01%(3.5)0.35%
JPMorgan Chase Bank0.01%(3.5)0.12%
US Bank0.01%(3.5)0.71%
Regions Bank0.01%(3.5)0.12%
Carrington Mortgage Services0.01%(3.5)0.71%
BancorpSouth Bank0.01%(3.5)0.83%
On Q Financial0.02%(3.5)0.71%
New American Funding0.03%(3.5)4.84%
BNC National Bank0.04%(3.5)1.42%
PrimeLending0.04%(3.5)2.13%
Gateway First Bank0.05%(3.5)0.94%
loanDepot0.05%(3.5)3.90%
Gershman Mortgage0.05%(3.0)10.51%
Mr. Cooper0.08%(3.0)1.06%
Fairway Independent Mortgage Corporation0.08%(3.0)2.13%
Quicken Loans0.09%(3.0)9.92%
DAS Acquisition Company0.10%(3.0)4.84%
Freedom Mortgage Corporation0.14%(3.0)2.36%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.19%(4.5)7.72%
Navy Federal Credit Union-0.11%(4.0)3.05%
Great Southern Bank-0.09%(4.0)2.69%
PennyMac Loan Services-0.07%(4.0)4.13%
Arvest Bank-0.05%(4.0)4.13%
Guaranty Bank-0.04%(3.5)1.80%
Central Bank of the Ozarks-0.03%(3.5)2.69%
Assemblies Of God Credit Union-0.03%(3.5)1.80%
Bank of Little Rock-0.02%(3.5)1.62%
Wells Fargo Bank-0.02%(3.5)0.90%
Flat Branch Mortgage-0.01%(3.5)10.77%
Bank of America-0.01%(3.5)0.36%
USAA-0.01%(3.5)13.11%
Guild Mortgage Company-0.00%(3.5)0.36%
Prosperity Home Mortgage LLC0.00%(3.5)0.36%
Commerce Bank0.00%(3.5)0.36%
US Bank0.01%(3.5)0.90%
Simmons Bank0.01%(3.5)1.80%
JPMorgan Chase Bank0.01%(3.5)0.18%
BancorpSouth Bank0.01%(3.5)1.08%
Regions Bank0.01%(3.5)0.18%
Servion0.02%(3.5)0.36%
On Q Financial0.02%(3.5)1.08%
Carrington Mortgage Services0.03%(3.5)0.18%
Freedom Mortgage Corporation0.04%(3.5)0.36%
Quicken Loans0.05%(3.5)3.95%
BNC National Bank0.05%(3.5)1.62%
Mr. Cooper0.05%(3.0)0.72%
Gateway First Bank0.05%(3.0)1.26%
PrimeLending0.05%(3.0)2.69%
Gershman Mortgage0.06%(3.0)13.64%
New American Funding0.09%(3.0)4.67%
loanDepot0.10%(3.0)0.90%
Fairway Independent Mortgage Corporation0.11%(3.0)2.69%
DAS Acquisition Company0.13%(3.0)5.92%
Lender NameRate DifferenceRate RatingMarket Share
Oakstar Bank-0.16%(4.5)7.93%
Arvest Bank-0.12%(4.0)7.24%
New American Funding-0.08%(4.0)5.17%
PennyMac Loan Services-0.07%(4.0)7.24%
Assemblies Of God Credit Union-0.03%(3.5)1.72%
Servion-0.02%(3.5)0.69%
Bank of Little Rock-0.02%(3.5)1.72%
Caliber Home Loans-0.02%(3.5)3.45%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.03%
Simmons Bank-0.02%(3.5)0.69%
Gershman Mortgage-0.02%(3.5)4.48%
USAA-0.02%(3.5)4.14%
Navy Federal Credit Union-0.01%(3.5)1.72%
Flat Branch Mortgage-0.01%(3.5)2.07%
Guaranty Bank-0.01%(3.5)2.41%
PrimeLending-0.01%(3.5)1.03%
Great Southern Bank-0.01%(3.5)1.03%
DAS Acquisition Company-0.00%(3.5)2.76%
Carrington Mortgage Services0.00%(3.5)1.72%
BNC National Bank0.01%(3.5)1.03%
Central Bank of the Ozarks0.01%(3.5)0.34%
Commerce Bank0.01%(3.5)0.34%
Gateway First Bank0.02%(3.5)0.34%
US Bank0.03%(3.5)0.34%
BancorpSouth Bank0.03%(3.5)0.34%
loanDepot0.03%(3.5)9.66%
Mr. Cooper0.09%(3.0)1.72%
Quicken Loans0.10%(3.0)21.38%
Freedom Mortgage Corporation0.15%(3.0)6.21%

* 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 of the data is 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 conditional on the commuting zone, 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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