SPRINGFIELD Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Springfield averaged 5.32% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.67% and one month ago for the week of 2022-04-14, the average rate was 5.37%.

Springfield's average rate one year ago was 3.02%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.43%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Springfield 30 Year Fixed Rate 2022-05-19 5.32%
Springfield 30 Year Fixed Rate Refi 2022-05-19 5.43%
Springfield 15 Year Fixed Rate 2022-05-19 4.9%
Springfield 15 Year Fixed Rate Refi 2022-05-19 4.43%
Springfield 30 Year FHA 2022-05-19 5.27%
Springfield 30 Year FHA Refi 2022-05-19 5.15%
Springfield 30 Year USDA 2022-05-19 5.17%
Springfield 30 Year USDA Refi 2022-05-19 5.02%
Springfield 30 Year VA 2022-05-19 5.23%
Springfield 30 Year VA Refi 2022-05-19 5.33%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SPRINGFIELD, MO.

SPRINGFIELD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the SPRINGFIELD, MO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FLAT BRANCH MORTGAGE, INC. 1,051 3.15% $2,457
QUICKEN LOANS, LLC 571 3.16% $4,440
Oakstar Bank 557 2.88% $2,456
The Central Trust Bank 524 3.14% $2,822
DAS Acquisition Company, LLC 479 3.17% $2,880
ASSEMBLIES OF GOD Credit Union 459 3.18% $2,269
GERSHMAN INVESTMENT CORP. 457 3.18% $2,603
Great Southern Bank 420 3.15% $2,429
Arvest Bank 390 3.14% $3,028
PENNYMAC LOAN SERVICES, LLC 367 3.02% $2,588
Guaranty Bank 305 2.89% $2,426
Springfield First Community Bank 278 2.81% $2,314
The Bank of Missouri 221 2.88% $2,548
U.S. Bank 206 3.10% $2,514
BancorpSouth Bank 195 3.42% $2,644
Southern Bank 171 3.45% $1,891
BROKER SOLUTIONS, INC. 167 3.26% $3,089
Northpointe Bank 155 3.01% $2,491
PRIMELENDING, A PLAINSCAPITAL COMPANY 149 3.29% $3,011
UNITED WHOLESALE MORTGAGE, LLC 141 3.15% $3,324
Wells Fargo Bank 132 3.14% $2,916
LOANDEPOT.COM, LLC 125 3.19% $4,112
Commerce Bank 109 3.41% $2,637
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 107 3.10% $3,203
AMERISAVE MORTGAGE CORPORATION 83 3.04% $4,747
Bank of America 70 2.99% $2,663
Mortgage Research Center, LLC 66 2.90% $2,458
JPMorgan Chase Bank 64 3.15% $2,744
HOME POINT FINANCIAL CORPORATION 64 3.11% $2,411
Hawthorn Bank 63 3.00% $2,482
Simmons Bank 63 3.17% $2,480
Gateway First Bank 60 2.97% $2,745
Capitol Federal Savings Bank 55 2.92% $2,987
CALIBER HOME LOANS, INC. 54 3.05% $3,259
Mr. Cooper ( Nationstar Mortgage ) 53 3.42% $4,433
Regions Bank 52 3.30% $2,400
BETTER MORTGAGE CORPORATION 49 3.01% $2,570
Associated Bank 47 2.99% $2,540
GUARANTEED RATE, INC. 45 3.19% $3,111
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 43 3.12% $3,341
Servion, Inc. 38 3.19% $2,450
FREEDOM MORTGAGE CORPORATION 37 3.22% $1,922
DELMAR FINANCIAL COMPANY 31 3.21% $1,345
NEWREZ LLC 29 3.19% $3,239
MOVEMENT MORTGAGE, LLC 28 3.09% $2,551
Prosperity Home Mortgage, LLC 27 3.15% $2,861
ENDEAVOR CAPITAL, LLC. 27 3.09% $3,907
First Guaranty Mortgage Corporation 26 3.20% $2,799
UMB Bank 24 2.97% $2,739
AMERICAN FINANCING CORPORATION 24 3.11% $3,595
ROYAL UNITED MORTGAGE LLC 23 3.27% $5,763
Hometown Lenders, Inc. 21 3.23% $3,945
NAVY FEDERAL CREDIT UNION 19 3.44% $3,263
Carrington Mortgage Services, LLC 18 3.31% $3,667
ON Q FINANCIAL, INC. 18 3.12% $3,348
Flagstar Bank, FSB 17 3.25% $3,133
Plains Commerce Bank 16 3.33% $3,661
First State Community Bank 16 3.07% $2,764
GUILD MORTGAGE COMPANY 15 3.29% $3,014
Discover Bank 15 4.75% $0
Deere Employees Credit Union 14 2.50% $2,580
MUTUAL OF OMAHA MORTGAGE, INC. 14 3.09% $3,716
LEADERONE FINANCIAL CORPORATION 14 3.36% $3,092
Sullivan Bank 14 3.09% $1,871
PLANET HOME LENDING, LLC 13 2.95% $2,574
Ally Bank 13 2.90% $3,807
MISSOURI ELECTRIC COOPERATIVES EMPL 12 3.27% $1,660
North American Savings Bank, F.S.B. 12 3.46% $2,824
KELLER MORTGAGE, LLC 11 3.20% $1,822
Paramount Residential Mortgage Group, Inc. 11 3.17% $4,577
CMG MORTGAGE, INC. 11 3.07% $2,246
FIRST STATE MORTGAGE SERVICES, LLC 11 2.70% $2,058
GENEVA FINANCIAL, LLC 11 3.50% $3,522
CHURCHILL MORTGAGE CORPORATION 10 3.40% $3,588
CROSSCOUNTRY MORTGAGE, LLC 10 3.29% $3,490
InterContinental Capital Group, Inc 10 3.30% $4,018
Citizens Bank 10 2.94% $2,746
ENCORE BANK 9 2.12% $2,327
HOMESIDE FINANCIAL, LLC 9 2.96% $2,744
MID AMERICA MORTGAGE, INC. 9 3.24% $2,590
PHH Mortgage Corporation 8 3.47% $5,410
CANOPY MORTGAGE, LLC 8 3.03% $3,022
First State Bank of St. Charles, Missouri 8 2.73% $3,358
PREMIER MORTGAGE RESOURCES, L.L.C. 7 3.12% $3,176
COMMUNITYAMERICA 7 3.18% $3,410
UNION HOME MORTGAGE CORP. 7 3.11% $2,920
Flanagan State Bank 7 3.39% $2,774
LOANPAL, LLC 7 3.37% $4,758
Stifel Bank and Trust 6 2.60% $2,157
Bank of England 6 3.04% $3,628
PNC Bank 6 3.19% $3,893
AMERICAN PACIFIC MORTGAGE CORPORATION 6 3.37% $3,190
EVERETT FINANCIAL, INC. 6 3.48% $2,707
Manufacturers and Traders Trust Company 6 3.25% $2,927
ZILLOW HOME LOANS, LLC 6 3.25% $2,757
PENTAGON FEDERAL CREDIT UNION 5 2.78% $1,719
TIB The Independent Bankersbank 5 2.98% $2,721
JLB CORPORATION 5 3.40% $3,862
SIRVA MORTGAGE, INC. 4 3.16% $115
Central National Bank 4 3.13% $1,782
Republic Bank & Trust Company 4 2.88% $2,167
COMMUNITY MORTGAGE, LLC 4 3.28% $2,832
NBKC BANK 4 2.94% $1,907
PROVIDENT FUNDING ASSOCIATES, L.P. 4 2.50% $2,852
Wood & Huston Bank 4 3.72% $2,233
BOKF 4 3.25% $3,084
Mortgage Investment Services Corporation 4 3.19% $2,321
Triumph Bank 4 2.72% $3,771
Colten Mortgage, LLC 4 3.41% $5,055
Colonial Savings, F.A. 4 3.31% $1,658
Baxter Credit Union 4 3.06% $2,613
The Huntington National Bank 4 2.82% $6,547
AmeriHome Mortgage Company, LLC 3 3.29% $3,601
FCS Financial FLCA 3 3.67% $3,563
MORTGAGE SOLUTIONS LLC 3 3.04% $2,740
CELEBRITY HOME LOANS, LLC 3 3.21% $2,762
Wyndham Capital Mortgage, Inc. 3 3.00% $1,646
ACCESS CAPITAL FUNDING, L.L.C. 3 2.79% $117
First Horizon Bank 3 3.29% $2,609
S1L, Inc. 3 3.16% $4,338
Eagle Bank and Trust Company 3 2.92% $2,697
CORNERSTONE HOME LENDING, INC. 3 2.88% $2,923
FirstTrust Home Loans, Inc. 3 3.13% $3,456
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 3.29% $6,561
Boeing Employees Credit Union 3 3.00% $1,872
CHERRY CREEK MORTGAGE, LLC 3 2.79% $790
First Bank 3 3.13% $2,688
First National Bank of Omaha 3 3.08% $3,279
Truist Bank 3 3.16% $2,689
RUOFF MORTGAGE COMPANY, INC. 2 3.19% $1,999
First Federal Bank of Kansas City 2 2.75% $3,063
Amarillo National Bank 2 3.00% $2,612
First Mortgage Solutions, LLC 2 2.94% $2,171
First Federal Bank 2 3.06% $2,855
First Community Bank 2 2.94% $4,311
FirstBank 2 2.81% $2,481
BMO Harris Bank 2 3.06% $3,040
FINANCE OF AMERICA MORTGAGE LLC 2 2.81% $3,458
Nations Lending Corporation 2 3.19% $5,355
Fifth Third Bank 2 3.31% $5,469
FEDEX EMPLOYEES CREDIT ASSOCIATION 2 3.94% $4,281
BNC National Bank 2 3.25% $2,815
Goldwater Bank, N.A. 2 3.06% $2,397
Barrington Bank & Trust Company, N.A. 2 3.18% $2,649
UNITED 2 3.38% $2,761
SUN WEST MORTGAGE COMPANY, INC. 2 3.13% $5,344
SUMMIT FUNDING, INC. 2 3.00% $4,906
STAR ONE CREDIT UNION 2 3.13% $1,517
KeyBank 2 2.19% $2,007
KS StateBank 2 3.06% $1,684
Charles Schwab Bank, SSB 2 2.09% $3,199
ALLIANT CREDIT UNION 2 3.06% $3,584
NBH Bank 2 2.88% $2,162
PREMIA MORTGAGE, LLC 2 2.44% $1,967
Mid-Continent Funding, Inc. 2 2.81% $2,354
Midwest Mortgage Associates Corporation 2 3.13% $4,476
MISSOURI Credit Union 2 3.13% $2,382
Pinnacle Bank 2 2.50% $3,253
Morgan Stanley Private Bank 2 2.68% $3,471
Pinnacle Bank 2 3.13% $2,843
FIRST FLORIDA Credit Union 2 3.19% $3,839
Midwest BankCentre 1 3.13% $8,598
AFFINITY 1 3.00% $1,277
AMERICAN ADVISORS GROUP 1 3.88% $5,421
American Bank of Oklahoma 1 2.88% $2,399
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $9,434
American National Bank 1 2.88% $2,840
Amerifirst Financial, Inc. 1 2.75% $2,855
Ameris Bank 1 3.88% $3,184
Armed Forces Bank 1 2.75% $2,951
BAY EQUITY LLC 1 3.38% $4,233
Bell Bank 1 2.63% $3,139
BLACK HILLS FEDERAL CREDIT UNION 1 3.12% $5,696
BLUELEAF LENDING, LLC 1 2.88% $6,660
Capital Bank 1 2.75% $2,863
Carrollton Bank 1 2.50% $2,232
Citibank 1 3.38% $3,921
CITIZENS EQUITY FIRST 1 3.50% $2,216
City National Bank 1 2.89% $3,646
Community National Bank & Trust 1 3.13% $2,135
DRAPER AND KRAMER MORTGAGE CORP. 1 2.75% $2,108
EASTMAN 1 4.50% $2,852
EMBRACE HOME LOANS, INC. 1 3.38% $4,709
Equity Prime Mortgage LLC 1 2.63% $10,248
FAMILY FINANCE MORTGAGE, LLC 1 2.63% $2,551
F&B Acquisition Group LLC 1 3.38% $1,974
First Home Bank 1 3.88% $9,058
FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 3.13% $2,736
First Internet Bank of Indiana 1 3.13% $2,622
First National Bank 1 3.00% $2,700
First National Bank of Waterloo 1 3.13% $2,374
First Savings Bank 1 3.50% $3,179
First Western Trust Bank 1 3.00% $3,761
Generations Bank 1 2.88% $2,682
Great Western Bank 1 3.25% $2,845
GSF Mortgage Corporation 1 2.99% $2,463
GUARANTEED RATE AFFINITY, LLC 1 2.63% $425
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $2,934
HOME BANK AND TRUST COMPANY 1 3.75% $1,789
INB 1 2.88% $2,861
INLAND BANK & TRUST 1 3.38% $3,582
JAMES B. NUTTER & COMPANY 1 3.63% $3,403
KINECTA 1 3.25% $2,070
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $2,695
LAND HOME FINANCIAL SERVICES, INC. 1 3.13% $2,159
Landmark National Bank 1 3.63% $1,984
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $3,003
Low VA Rates, LLC 1 3.00% $1,445
Magnolia Bank 1 2.99% $3,584
Mazuma Credit Union 1 3.13% $2,923
MEGASTAR FINANCIAL CORP. 1 3.25% $2,939
21ST MORTGAGE CORPORATION 1 5.25% $6,059
Midwest Heritage Bank FSB 1 2.88% $1,982
NEW DAY FINANCIAL, LLC 1 2.88% $2,778
OAKTREE FUNDING CORP. 1 7.13% $4,057
PANORAMA MORTGAGE GROUP, LLC 1 3.13% $2,467
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $3,443
Providence Bank 1 2.75% $2,331
Quontic Bank 1 6.00% $10,417
Raymond James Bank 1 2.63% $1,734
Santander Bank, N.A. 1 3.88% $2,861
SCOTT CREDIT UNION 1 3.13% $2,481
Southwest Missouri Bank 1 4.70% $1,628
STEARNS LENDING, LLC 1 2.88% $1,911
Sunflower Bank 1 2.75% $3,242
TCF National Bank 1 3.13% $3,707
The Federal Savings Bank 1 3.38% $3,187
The Union Bank Company 1 2.88% $3,014
Third Federal Savings and Loan Association of Cleveland 1 2.34% $14,226
THRIVE MORTGAGE, LLC 1 2.88% $1,708
TOP FLITE FINANCIAL, INC. 1 3.25% $5,559
TRIAD FINANCIAL SERVICES, INC. 1 5.50% $7,958
TruHome Solutions, LLC 1 3.38% $1,472
UIF CORPORATION 1 3.25% $2,635
VANTAGE Credit Union 1 3.00% $2,984
VERIDIAN CREDIT UNION 1 2.63% $2,036
Victorian Finance, LLC 1 2.88% $1,969

SPRINGFIELD, MO's 237 lenders originated 21,525 loans during 2021. The total origination value was $4,320,955,000, with an average loan value of $200,741.

The top SPRINGFIELD lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 1,051 loans originated. Their average total fees are $2,457, which is $1,982 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee SPRINGFIELD lenders (with over 10 loans originated) are Discover Bank ($0), DELMAR FINANCIAL COMPANY ($1,345), MISSOURI ELECTRIC COOPERATIVES EMPL ($1,660), KELLER MORTGAGE, LLC ($1,822) and Sullivan Bank ($1,871).

The lowest rate SPRINGFIELD lenders (with over 10 loans originated) are Deere Employees Credit Union (2.50%), FIRST STATE MORTGAGE SERVICES, LLC (2.70%), Springfield First Community Bank (2.81%), The Bank of Missouri (2.88%) and Oakstar Bank (2.88%).

SPRINGFIELD, MO Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FLAT BRANCH MORTGAGE, INC. $317,600,000 $352,675,000 11.0% 8.2%
Oakstar Bank $339,745,000 $243,970,000 -28.2% 5.6%
The Central Trust Bank $2,035,000 $243,535,000 11,867.3% 5.6%
QUICKEN LOANS, LLC $200,115,000 $225,730,000 12.8% 5.2%
GERSHMAN INVESTMENT CORP. $155,785,000 $163,025,000 4.6% 3.8%
DAS Acquisition Company, LLC $157,550,000 $160,940,000 2.2% 3.7%
Great Southern Bank $134,305,000 $156,270,000 16.4% 3.6%
PENNYMAC LOAN SERVICES, LLC $47,535,000 $145,595,000 206.3% 3.4%
Arvest Bank $165,805,000 $140,540,000 -15.2% 3.3%
ASSEMBLIES OF GOD Credit Union $119,385,000 $128,230,000 7.4% 3.0%
Springfield First Community Bank $146,815,000 $117,720,000 -19.8% 2.7%
Guaranty Bank $168,270,000 $117,680,000 -30.1% 2.7%
U.S. Bank $77,465,000 $97,345,000 25.7% 2.3%
FREEDOM MORTGAGE CORPORATION $112,105,000 $91,710,000 -18.2% 2.1%
BancorpSouth Bank $85,150,000 $85,445,000 0.3% 2.0%
Legacy Bank & Trust Company $47,195,000 $81,915,000 73.6% 1.9%
Mortgage Research Center, LLC $40,350,000 $75,140,000 86.2% 1.7%
The Bank of Missouri $61,800,000 $71,215,000 15.2% 1.6%
BROKER SOLUTIONS, INC. $57,310,000 $65,215,000 13.8% 1.5%
Southern Bank $59,305,000 $57,820,000 -2.5% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $15,100,000 $55,760,000 269.3% 1.3%
LOANDEPOT.COM, LLC $37,500,000 $52,240,000 39.3% 1.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $58,270,000 $51,760,000 -11.2% 1.2%
Commerce Bank $66,375,000 $45,900,000 -30.8% 1.1%
Wells Fargo Bank $28,135,000 $45,625,000 62.2% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $32,520,000 $44,155,000 35.8% 1.0%
Sullivan Bank $37,815,000 $43,575,000 15.2% 1.0%
Capitol Federal Savings Bank $33,660,000 $43,010,000 27.8% 1.0%
BLUCURRENT $25,595,000 $42,405,000 65.7% 1.0%
Hawthorn Bank $21,555,000 $39,295,000 82.3% 0.9%
Northpointe Bank $25,500,000 $33,175,000 30.1% 0.8%
BERKELEY POINT CAPITAL LLC $4,225,000 $32,480,000 668.8% 0.8%
Old Missouri Bank $27,690,000 $26,870,000 -3.0% 0.6%
Bank of America $20,465,000 $26,545,000 29.7% 0.6%
AMERISAVE MORTGAGE CORPORATION $18,835,000 $25,370,000 34.7% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $23,390,000 $25,030,000 7.0% 0.6%
Gateway First Bank $23,135,000 $24,130,000 4.3% 0.6%
Grandbridge Real Estate Capital LLC $36,430,000 $23,925,000 -34.3% 0.6%
Citizens Bank of Rogersville $40,060,000 $23,830,000 -40.5% 0.6%
Simmons Bank $17,140,000 $23,065,000 34.6% 0.5%
HOME POINT FINANCIAL CORPORATION $9,635,000 $21,315,000 121.2% 0.5%
CALIBER HOME LOANS, INC. $14,865,000 $20,540,000 38.2% 0.5%
Mid-Missouri Bank $25,610,000 $19,900,000 -22.3% 0.5%
BETTER MORTGAGE CORPORATION $7,560,000 $19,830,000 162.3% 0.5%
Ozark Bank $26,370,000 $19,815,000 -24.9% 0.5%
Servion, Inc. $13,375,000 $19,665,000 47.0% 0.5%
UMB Bank $64,615,000 $19,550,000 -69.7% 0.5%
Associated Bank $17,975,000 $19,275,000 7.2% 0.4%
Regent Bank $4,100,000 $18,945,000 362.1% 0.4%
JPMorgan Chase Bank $14,465,000 $18,460,000 27.6% 0.4%
USAA Federal Savings Bank $19,405,000 $16,575,000 -14.6% 0.4%
First Guaranty Mortgage Corporation $6,210,000 $16,555,000 166.6% 0.4%
Freedom Bank of Southern Missouri $10,615,000 $16,500,000 55.4% 0.4%
NAVY FEDERAL CREDIT UNION $10,630,000 $16,185,000 52.3% 0.4%
Regions Bank $22,490,000 $15,770,000 -29.9% 0.4%
GUARANTEED RATE, INC. $15,050,000 $15,755,000 4.7% 0.4%
MOVEMENT MORTGAGE, LLC $8,510,000 $13,090,000 53.8% 0.3%
NEWREZ LLC $6,485,000 $12,590,000 94.1% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,665,000 $12,230,000 115.9% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $3,990,000 $11,960,000 199.7% 0.3%
LAKEVIEW LOAN SERVICING, LLC $8,360,000 $10,775,000 28.9% 0.2%
NEW DAY FINANCIAL, LLC $10,885,000 $9,980,000 -8.3% 0.2%
Peoples Community Bank $10,420,000 $9,610,000 -7.8% 0.2%
Carrington Mortgage Services, LLC $5,295,000 $8,215,000 55.1% 0.2%
ON Q FINANCIAL, INC. $14,385,000 $8,155,000 -43.3% 0.2%
Prosperity Home Mortgage, LLC $8,830,000 $7,985,000 -9.6% 0.2%
Flagstar Bank, FSB $4,505,000 $7,810,000 73.4% 0.2%
GREYSTONE SERVICING COMPANY LLC $7,505,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $4,255,000 $7,200,000 69.2% 0.2%
MID AMERICA MORTGAGE, INC. $5,240,000 $7,175,000 36.9% 0.2%
Hometown Lenders, Inc. $19,060,000 $7,035,000 -63.1% 0.2%
DELMAR FINANCIAL COMPANY $1,190,000 $6,825,000 473.5% 0.2%
CMG MORTGAGE, INC. $10,220,000 $6,220,000 -39.1% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $2,075,000 $6,030,000 190.6% 0.1%
Plains Commerce Bank $3,390,000 $5,710,000 68.4% 0.1%
The Federal Savings Bank $8,910,000 $5,625,000 -36.9% 0.1%
PLANET HOME LENDING, LLC $7,025,000 $5,555,000 -20.9% 0.1%
ENDEAVOR CAPITAL, LLC. $3,730,000 $5,275,000 41.4% 0.1%
MISSOURI ELECTRIC COOPERATIVES EMPL $11,610,000 $5,270,000 -54.6% 0.1%
GUILD MORTGAGE COMPANY $4,295,000 $5,205,000 21.2% 0.1%
Low VA Rates, LLC $4,045,000 $5,200,000 28.6% 0.1%
First Community Bank $935,000 $5,195,000 455.6% 0.1%
First State Community Bank $3,970,000 $5,160,000 30.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $4,605,000 $5,040,000 9.4% 0.1%
ROYAL UNITED MORTGAGE LLC $4,160,000 $4,995,000 20.1% 0.1%
LENDINGHOME FUNDING CORPORATION $855,000 $4,925,000 476.0% 0.1%
ENCORE BANK $13,350,000 $4,820,000 -63.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $3,280,000 $4,375,000 33.4% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $1,345,000 $4,325,000 221.6% 0.1%
Ally Bank $1,460,000 $4,275,000 192.8% 0.1%
Wood & Huston Bank $6,095,000 $4,270,000 -29.9% 0.1%
CORNERSTONE HOME LENDING, INC. $22,375,000 $4,235,000 -81.1% 0.1%
Deere Employees Credit Union $1,935,000 $4,235,000 118.9% 0.1%
GENEVA FINANCIAL, LLC $195,000 $4,200,000 2,053.8% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,225,000 $4,135,000 237.6% 0.1%
Paramount Residential Mortgage Group, Inc. $1,690,000 $3,715,000 119.8% 0.1%
Wyndham Capital Mortgage, Inc. $3,690,000 n/a 0.1%
KELLER MORTGAGE, LLC $4,160,000 $3,605,000 -13.3% 0.1%
Barrington Bank & Trust Company, N.A. $3,600,000 $3,585,000 -0.4% 0.1%
Stockmens Bank $6,385,000 $3,360,000 -47.4% 0.1%
COMMUNITYAMERICA $1,325,000 $3,290,000 148.3% 0.1%
NBKC BANK $2,495,000 $3,245,000 30.1% 0.1%
LEADERONE FINANCIAL CORPORATION $3,410,000 $3,195,000 -6.3% 0.1%
Pinnacle Bank $1,610,000 $2,965,000 84.2% 0.1%
PHH Mortgage Corporation $220,000 $2,865,000 1,202.3% 0.1%
InterContinental Capital Group, Inc $2,840,000 n/a 0.1%
Discover Bank $2,475,000 $2,835,000 14.5% 0.1%
LENDSURE MORTGAGE CORP. $2,820,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $920,000 $2,750,000 198.9% 0.1%
North American Savings Bank, F.S.B. $2,100,000 $2,725,000 29.8% 0.1%
CANOPY MORTGAGE, LLC $960,000 $2,690,000 180.2% 0.1%
Magnolia Bank $1,775,000 $2,625,000 47.9% 0.1%
UNION HOME MORTGAGE CORP. $660,000 $2,550,000 286.4% 0.1%
AMERICAN ADVISORS GROUP $850,000 $2,535,000 198.2% 0.1%
Manufacturers and Traders Trust Company $825,000 $2,530,000 206.7% 0.1%
HOMESIDE FINANCIAL, LLC $1,380,000 $2,465,000 78.6% 0.1%
AMERICA'S CREDIT UNION $2,730,000 $2,440,000 -10.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,265,000 $2,365,000 4.4% 0.1%
BOKF $2,790,000 $2,350,000 -15.8% 0.1%
Citizens Bank $85,000 $2,300,000 2,605.9% 0.1%
Equity Bank $440,000 $2,250,000 411.4% 0.1%
EVERETT FINANCIAL, INC. $175,000 $2,250,000 1,185.7% 0.1%
Bank of England $1,490,000 $2,215,000 48.7% 0.1%
First State Bank of St. Charles, Missouri $1,985,000 $2,195,000 10.6% 0.1%
Midwest Mortgage Associates Corporation $530,000 $2,180,000 311.3% 0.1%
PNC Bank $1,590,000 $2,125,000 33.6% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $3,750,000 $2,075,000 -44.7% 0.0%
The Huntington National Bank $115,000 $2,050,000 1,682.6% 0.0%
Southwest Missouri Bank $875,000 $2,020,000 130.9% 0.0%
BNC National Bank $2,670,000 $1,965,000 -26.4% 0.0%
United Bank of Union $15,230,000 $1,965,000 -87.1% 0.0%
JLB CORPORATION $210,000 $1,825,000 769.0% 0.0%
TIB The Independent Bankersbank $18,865,000 $1,810,000 -90.4% 0.0%
LOANPAL, LLC $1,170,000 $1,775,000 51.7% 0.0%
Flanagan State Bank $3,070,000 $1,760,000 -42.7% 0.0%
FCS Financial FLCA $1,745,000 n/a 0.0%
Stifel Bank and Trust $1,565,000 $1,670,000 6.7% 0.0%
First Horizon Bank $1,655,000 n/a 0.0%
COMMUNITY MORTGAGE, LLC $2,660,000 $1,650,000 -38.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,510,000 $1,585,000 5.0% 0.0%
NBH Bank $145,000 $1,550,000 969.0% 0.0%
Third Federal Savings and Loan Association of Cleveland $345,000 $1,520,000 340.6% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,955,000 $1,510,000 -22.8% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,395,000 $1,485,000 -38.0% 0.0%
Mid-Continent Funding, Inc. $1,515,000 $1,460,000 -3.6% 0.0%
Truist Bank $2,025,000 $1,450,000 -28.4% 0.0%
Hometown Equity Mortgage, LLC $1,405,000 $1,425,000 1.4% 0.0%
21ST MORTGAGE CORPORATION $1,080,000 $1,415,000 31.0% 0.0%
Baxter Credit Union $810,000 $1,375,000 69.8% 0.0%
KS StateBank $815,000 $1,370,000 68.1% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $4,630,000 $1,355,000 -70.7% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $480,000 $1,320,000 175.0% 0.0%
Colonial Savings, F.A. $515,000 $1,240,000 140.8% 0.0%
Mid America Bank $1,240,000 n/a 0.0%
SUMMIT FUNDING, INC. $175,000 $1,210,000 591.4% 0.0%
Figure Lending LLC $430,000 $1,150,000 167.4% 0.0%
Colten Mortgage, LLC $1,145,000 n/a 0.0%
Members Mortgage Services, L.L.C. $795,000 $1,140,000 43.4% 0.0%
Central National Bank $1,805,000 $1,130,000 -37.4% 0.0%
CHERRY CREEK MORTGAGE, LLC $1,110,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $790,000 $1,080,000 36.7% 0.0%
EMBRACE HOME LOANS, INC. $1,500,000 $1,075,000 -28.3% 0.0%
SIRVA MORTGAGE, INC. $1,910,000 $1,075,000 -43.7% 0.0%
ALLIANT CREDIT UNION $185,000 $1,070,000 478.4% 0.0%
First Federal Bank $225,000 $1,040,000 362.2% 0.0%
Triumph Bank $540,000 $1,035,000 91.7% 0.0%
First Federal Bank of Kansas City $625,000 $1,020,000 63.2% 0.0%
Charles Schwab Bank, SSB $1,085,000 $1,000,000 -7.8% 0.0%
TRIAD FINANCIAL SERVICES, INC. $585,000 $995,000 70.1% 0.0%
First Financial Bank $965,000 n/a 0.0%
ACCESS CAPITAL FUNDING, L.L.C. $950,000 n/a 0.0%
First National Bank of Omaha $145,000 $950,000 555.2% 0.0%
First Mortgage Solutions, LLC $1,075,000 $925,000 -14.0% 0.0%
Morgan Stanley Private Bank $920,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $245,000 $900,000 267.3% 0.0%
GUARANTEED RATE AFFINITY, LLC $900,000 n/a 0.0%
First Savings Bank $1,645,000 $870,000 -47.1% 0.0%
BTC BANK $255,000 $865,000 239.2% 0.0%
RUOFF MORTGAGE COMPANY, INC. $780,000 $840,000 7.7% 0.0%
Capital Bank $145,000 $825,000 469.0% 0.0%
STEARNS LENDING, LLC $1,915,000 $805,000 -58.0% 0.0%
Community Bank and Trust $335,000 $760,000 126.9% 0.0%
LENDINGONE, LLC $760,000 n/a 0.0%
FirstBank $235,000 $750,000 219.1% 0.0%
People's Bank of Seneca $1,375,000 $750,000 -45.5% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $400,000 $745,000 86.3% 0.0%
Mortgage Investment Services Corporation $1,825,000 $745,000 -59.2% 0.0%
FAMILY FINANCE MORTGAGE, LLC $185,000 $725,000 291.9% 0.0%
FirstTrust Home Loans, Inc. $725,000 n/a 0.0%
Fifth Third Bank $250,000 $720,000 188.0% 0.0%
Pinnacle Bank $1,610,000 $720,000 -55.3% 0.0%
Eagle Bank and Trust Company $540,000 $715,000 32.4% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $715,000 n/a 0.0%
TCF National Bank $465,000 $715,000 53.8% 0.0%
THRIVE MORTGAGE, LLC $265,000 $700,000 164.2% 0.0%
Republic Bank & Trust Company $610,000 $690,000 13.1% 0.0%
PREMIA MORTGAGE, LLC $895,000 $675,000 -24.6% 0.0%
S1L, Inc. $670,000 $675,000 0.7% 0.0%
MISSOURI Credit Union $900,000 $660,000 -26.7% 0.0%
BMO Harris Bank $650,000 n/a 0.0%
BAY EQUITY LLC $335,000 $640,000 91.0% 0.0%
First Bank $995,000 $640,000 -35.7% 0.0%
Midwest BankCentre $460,000 $640,000 39.1% 0.0%
First Home Bank $215,000 $635,000 195.3% 0.0%
UIF CORPORATION $265,000 $630,000 137.7% 0.0%
First Internet Bank of Indiana $625,000 n/a 0.0%
MORTGAGE SOLUTIONS LLC $1,755,000 $625,000 -64.4% 0.0%
Boeing Employees Credit Union $105,000 $595,000 466.7% 0.0%
CELEBRITY HOME LOANS, LLC $1,185,000 $560,000 -52.7% 0.0%
River Region Credit Union $1,015,000 $535,000 -47.3% 0.0%
Nations Lending Corporation $615,000 $525,000 -14.6% 0.0%
Axos Bank $215,000 $515,000 139.5% 0.0%
Landmark National Bank $580,000 $515,000 -11.2% 0.0%
Farmers State Bank $510,000 n/a 0.0%
United Fidelity Funding Corp. $340,000 $510,000 50.0% 0.0%
Ameris Bank $870,000 $505,000 -42.0% 0.0%
Equity Prime Mortgage LLC $500,000 n/a 0.0%
COMMERCIAL TRUST COMPANY OF FAYETTE $215,000 $490,000 127.9% 0.0%
KeyBank $870,000 $490,000 -43.7% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $490,000 n/a 0.0%
Citizens Bank $85,000 $485,000 470.6% 0.0%
AmeriHome Mortgage Company, LLC $475,000 n/a 0.0%
Amarillo National Bank $470,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,015,000 $470,000 -53.7% 0.0%
TOP FLITE FINANCIAL, INC. $505,000 $455,000 -9.9% 0.0%
FOUR POINTS $390,000 $445,000 14.1% 0.0%
Citibank $365,000 $440,000 20.5% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $440,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $440,000 n/a 0.0%
VERIDIAN CREDIT UNION $440,000 n/a 0.0%
Exchange Bank of Missouri $155,000 $435,000 180.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $120,000 $425,000 254.2% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $410,000 n/a 0.0%
Mazuma Credit Union $630,000 $410,000 -34.9% 0.0%
CENTRAL MISSOURI COMMUNITY CREDIT UNION $405,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $415,000 $405,000 -2.4% 0.0%
First Western Trust Bank $405,000 n/a 0.0%
Goldwater Bank, N.A. $400,000 n/a 0.0%
SCOTT CREDIT UNION $205,000 $400,000 95.1% 0.0%
Farmers and Merchants Bank of St. Clair $375,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,655,000 $375,000 -77.3% 0.0%
GSF Mortgage Corporation $950,000 $365,000 -61.6% 0.0%
INLANTA MORTGAGE, INC. $365,000 n/a 0.0%
Montgomery Bank $365,000 n/a 0.0%
Sunflower Bank $515,000 $355,000 -31.1% 0.0%
TOWNE MORTGAGE COMPANY $220,000 $350,000 59.1% 0.0%
Legend Bank, N.A. $345,000 n/a 0.0%
Ixonia Bank $365,000 $335,000 -8.2% 0.0%
The Home Loan Expert LLC $195,000 $335,000 71.8% 0.0%
Midwest Heritage Bank FSB $470,000 $330,000 -29.8% 0.0%
HOMESTAR FINANCIAL CORPORATION $325,000 n/a 0.0%
The Union State Bank of Everest $325,000 n/a 0.0%
Amerifirst Financial, Inc. $2,950,000 $320,000 -89.2% 0.0%
Academy Bank $775,000 $315,000 -59.4% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $395,000 $315,000 -20.3% 0.0%
Community Bank of Marshall $310,000 n/a 0.0%
Alliant Bank $125,000 $305,000 144.0% 0.0%
INLAND BANK & TRUST $305,000 n/a 0.0%
Regional Missouri Bank $205,000 $305,000 48.8% 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $300,000 n/a 0.0%
BLUELEAF LENDING, LLC $295,000 n/a 0.0%
RCB Bank $295,000 n/a 0.0%
City National Bank $285,000 n/a 0.0%
Community National Bank & Trust $330,000 $285,000 -13.6% 0.0%
Renasant Bank $205,000 $285,000 39.0% 0.0%
Victorian Finance, LLC $285,000 n/a 0.0%
American Bank of Oklahoma $280,000 n/a 0.0%
STAR ONE CREDIT UNION $280,000 n/a 0.0%
UNITED $115,000 $280,000 143.5% 0.0%
BLACK HILLS FEDERAL CREDIT UNION $275,000 n/a 0.0%
Chambers Bank $275,000 n/a 0.0%
Generations Bank $265,000 $275,000 3.8% 0.0%
CITIZENS EQUITY FIRST $945,000 $270,000 -71.4% 0.0%
FIRST INTEGRITY MORTGAGE SERVICES, INC. $3,440,000 $270,000 -92.2% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $270,000 n/a 0.0%
CapStar Bank $265,000 n/a 0.0%
The Union Bank Company $265,000 n/a 0.0%
American Airlines Federal Credit Union $255,000 n/a 0.0%
Grand Savings Bank $255,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $1,390,000 $250,000 -82.0% 0.0%
Citizens Community Bank $185,000 $245,000 32.4% 0.0%
Great Western Bank $245,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $3,635,000 $240,000 -93.4% 0.0%
FIRST FLORIDA Credit Union $240,000 n/a 0.0%
ACADEMY MORTGAGE CORPORATION $635,000 $235,000 -63.0% 0.0%
BARTLETT MORTGAGE, INC. $235,000 n/a 0.0%
Quontic Bank $165,000 $235,000 42.4% 0.0%
THRIVENT Federal Credit Union $205,000 $235,000 14.6% 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $225,000 $225,000 0.0% 0.0%
AFFINITY $220,000 n/a 0.0%
Cf Bank $215,000 n/a 0.0%
FIRST COMMUNITY $470,000 $215,000 -54.3% 0.0%
Peoples Bank of Kankakee County $215,000 n/a 0.0%
Raymond James Bank $1,140,000 $215,000 -81.1% 0.0%
PLAZA HOME MORTGAGE, INC. $495,000 $210,000 -57.6% 0.0%
American National Bank $205,000 n/a 0.0%
Armed Forces Bank $205,000 n/a 0.0%
Bell Bank $6,295,000 $205,000 -96.7% 0.0%
Farmers Bank & Trust $205,000 n/a 0.0%
First Midwest Bank of Poplar Bluff $580,000 $205,000 -64.7% 0.0%
First National Bank of Waterloo $205,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $205,000 n/a 0.0%
NUMARK CREDIT UNION $200,000 n/a 0.0%
Farmers Bank $195,000 n/a 0.0%
U S WIDE FINANCIAL LLC $575,000 $195,000 -66.1% 0.0%
INB $185,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $125,000 $175,000 40.0% 0.0%
OPEN MORTGAGE, LLC $175,000 n/a 0.0%
Peoples Bank $195,000 $175,000 -10.3% 0.0%
VANTAGE Credit Union $385,000 $170,000 -55.8% 0.0%
Community Mortgage Banc Corporation $390,000 $165,000 -57.7% 0.0%
OAKTREE FUNDING CORP. $165,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $155,000 n/a 0.0%
Fidelity Bank $780,000 $155,000 -80.1% 0.0%
Providence Bank $205,000 $155,000 -24.4% 0.0%
Anstaff Bank $210,000 $145,000 -31.0% 0.0%
FirstOak Bank $145,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $135,000 $145,000 7.4% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $855,000 $145,000 -83.0% 0.0%
TruHome Solutions, LLC $135,000 $145,000 7.4% 0.0%
F&B Acquisition Group LLC $135,000 n/a 0.0%
Great Plains National Bank $135,000 n/a 0.0%
Peoples Bank $195,000 $135,000 -30.8% 0.0%
SILVER HILL FUNDING, LLC $135,000 n/a 0.0%
The First National Bank of Fort Smith $135,000 n/a 0.0%
First Bank & Trust $125,000 n/a 0.0%
Paramount Bank $360,000 $125,000 -65.3% 0.0%
First National Bank $115,000 n/a 0.0%
TIAA, FSB $8,435,000 $115,000 -98.6% 0.0%
Carrollton Bank $215,000 $105,000 -51.2% 0.0%
First Mid Bank & Trust $105,000 n/a 0.0%
Lincoln Savings Bank $470,000 $105,000 -77.7% 0.0%
Santander Bank, N.A. $105,000 n/a 0.0%
Visio Financial Services Inc. $105,000 n/a 0.0%
EASTMAN $95,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $95,000 n/a 0.0%
Peoples National Bank , N.A. $95,000 n/a 0.0%
Southern Bancorp Bank $95,000 n/a 0.0%
1ST MIDAMERICA $85,000 n/a 0.0%
HOME BANK AND TRUST COMPANY $85,000 n/a 0.0%
KINECTA $85,000 n/a 0.0%
BancFirst $75,000 n/a 0.0%
People's Savings Bank of Rhineland $275,000 $75,000 -72.7% 0.0%
QUORUM FEDERAL CREDIT UNION $75,000 n/a 0.0%
GNBank $65,000 n/a 0.0%
Red River Bank $55,000 n/a 0.0%
TRUWEST Credit Union $55,000 n/a 0.0%
Transportation Federal Credit Union $50,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $45,000 n/a 0.0%
Glenwood State Bank $25,000 n/a 0.0%
TOWER $55,000 $15,000 -72.7% 0.0%

SPRINGFIELD's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 8.2% market share. In second place, with 5.6%, is Oakstar Bank, having originated $243,970,000 in loans. In third place, with 5.6%, is The Central Trust Bank, having originated $243,535,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $225,730,000 in loans. In third place, with 3.8%, is GERSHMAN INVESTMENT CORP., having originated $163,025,000 in loans.


SPRINGFIELD, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 9,076 $2,009,490,000 $221,407
Refi 7,925 $1,488,665,000 $187,844
Cash Out Refi 3,655 $729,415,000 $199,566
Other 445 $46,845,000 $105,270
Home Improvement 423 $46,405,000 $109,704
NA 1 $135,000 $135,000

Springfield's most frequently cited loan purpose was Home Purchase, with 9,076 originations. The 2nd most popular reason was Refi, with 7,925 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 8,312 $1,642,450,000 $197,600
3-4% 7,888 $1,575,880,000 $199,782
<2.5% 3,293 $684,575,000 $207,888
4-5% 921 $131,505,000 $142,785
5-6% 132 $9,820,000 $74,394
Over 8% 47 $4,325,000 $92,021
6-7% 46 $2,520,000 $54,783
7-8% 36 $3,430,000 $95,278

During 2021, Springfield's most frequently originated rate bucket was 2.5-3%, with 8,312 originations.

Loan Sizing (SPRINGFIELD, MO MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 10,309 $1,517,435,000 $147,195
$200k-400k 6,200 $1,647,610,000 $265,744
$100,000 or less 3,931 $267,235,000 $67,981
$400k-600k 770 $363,860,000 $472,545
$600k-1000k 196 $148,920,000 $759,796
$Over $1MM 119 $375,895,000 $3,158,782

SPRINGFIELD's loan sizing saw the bucket of loans from $100k-200k with 10,309 originations, totaling $1,517,435,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 7,999 $1,730,875,000 $216,386
60-80% 7,181 $1,542,395,000 $214,788
40-60% 2,817 $477,605,000 $169,544
20-40% 1,145 $131,605,000 $114,939
Under 20% 608 $25,000,000 $41,118
Over 100% 219 $58,865,000 $268,790

SPRINGFIELD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 7,999 originations, totaling $1,730,875,000 in origination value.