Top Picks · Springfield
Best Mortgage Brokers in Springfield, MO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Springfield, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is USA Mortgage with a 4.9-star rating from 445 Google reviews and an RNM Score of 87/100. Also in the top tier: Gershman Mortgage Springfield, MO and Flat Branch Home Loans. The average rating across all listed mortgage brokers in Springfield is 5 stars from 146 reviews per business on average.
Mortgage brokers in Springfield: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
1st Team Mortgage, LLC
Recognized as a top-ranked broker in Springfield for its strong reputation, personalized service, and competitive loan options.
Most Reviewed
Flat Branch Home Loans
A high number of reviews often reflects broad customer experience and trust, helping buyers gauge reliability and service quality.
Compare multiple brokers for rates, fees, and responsiveness. Local experts like these can offer tailored advice for Springfield's housing market and closing timelines.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
146
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Highly rated Springfield mortgage broker with a 4.9-star average from 445 reviews.
3100 S National Ave #101, Springfield, MO 65807, USARated 4.9 stars from 247 Google reviews, a top choice for local mortgage needs.
1557 E Primrose St #100, Springfield, MO 65804, USATrusted by hundreds of local clients, this broker holds a near-perfect 4.9-star rating.
4350 S National Ave a100, Springfield, MO 65810, USAMortgage Brokers Rankings in Springfield, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | USA Mortgage3100 S National Ave #101, Springfield, MO 65807, USA | 4.9★ | 445 |
| #2 | Gershman Mortgage Springfield, MO1557 E Primrose St #100, Springfield, MO 65804, USA | 4.9★ | 247 |
| #3 | Flat Branch Home Loans4350 S National Ave a100, Springfield, MO 65810, USA | 4.9★ | 426 |
| #4 | USA Mortgage | Christi Bukaty3100 S National Ave #100, Springfield, MO 65804, USA | 5.0★ | 43 |
| #5 | Summit Lending- Khokhlan Mortgage Team, Mortgage Lender1638 E Republic Rd Ste B, Springfield, MO 65804, USA | 5.0★ | 36 |
| #6 | Adam Swenka Team, Mortgage Lender NMLS #9329594350 S National Ave, Springfield, MO 65810, USA | 5.0★ | 253 |
| #7 | PrimeLending - Andrew Semple | Sr. Loan Advisor3000 E Chestnut Expressway Ste B, Springfield, MO 65802, USA | 4.9★ | 168 |
| #8 | Express Mortgage1701 S Enterprise Ave Suite 103, Springfield, MO 65804, USA | 5.0★ | 143 |
| #9 | PrimeLending, A PlainsCapital Company - Springfield3000 E Chestnut Expressway B, Springfield, MO 65802, USA | 5.0★ | 116 |
| #10 | Cross Country Mortgage Andy Heffner1911 S National Ave Suite 104, Springfield, MO 65804, USA | 5.0★ | 102 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Springfield
Springfield’s top-rated mortgage broker with a flawless 5.0★ from 43 reviews.
3100 S National Ave #100, Springfield, MO 65804, USA
Trusted by clients with a perfect 5.0-star rating from 36 Google reviews.
1638 E Republic Rd Ste B, Springfield, MO 65804, USA
Hundreds of reviews contribute to a perfect 5.0-star rating for this Springfield mortgage broker.
4350 S National Ave, Springfield, MO 65810, USA
Trusted Springfield mortgage broker with a 4.9★ average from 168 reviews.
3000 E Chestnut Expressway Ste B, Springfield, MO 65802, USA
Hundreds of reviews average a perfect 5.0-star rating for this Springfield mortgage broker.
1701 S Enterprise Ave Suite 103, Springfield, MO 65804, USA
Earning a perfect 5.0-star rating from over 115 local reviews.
3000 E Chestnut Expressway B, Springfield, MO 65802, USA
Earning a perfect 5.0-star rating from over 100 local reviews.
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Top-rated Springfield mortgage broker with a perfect 5.0★ score from 52 reviews.
4350 S National Ave, Springfield, MO 65810, USA
Rated 4.8 stars from 47 Google reviews, this Springfield mortgage broker is highly trusted.
4200 S Quail Creek Ave, Springfield, MO 65810, USA
Springfield's top-rated mortgage broker with a perfect 5.0★ from 34 reviews.
1525 E Republic Rd Suite 120, Springfield, MO 65804, USA
5.0 stars from 3 Google reviews for a Springfield mortgage broker.
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Springfield's top-rated mortgage broker with a flawless 5.0★ rating from over 100 reviews.
1557 E Primrose St, Springfield, MO 65804, USA
Springfield’s top-rated mortgage broker with a perfect 5.0★ from 87 Google reviews.
1342 E Battlefield Rd, Springfield, MO 65804, USA
Rated 5.0 stars from 78 Google reviews, trusted by Springfield homeowners.
3100 S National Ave #101, Springfield, MO 65807, USA
5.0 stars from 14 reviews, reflecting exceptional local client satisfaction.
2412 E Madrid St, Springfield, MO 65804, USA
Springfield's top-rated mortgage broker with 4.9 stars from nearly 400 reviews.
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Top-rated Springfield mortgage broker with 5.0 stars from 126 Google reviews.
1465 E Primrose St Suite B, Springfield, MO 65804, USA
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Mortgage Brokers in Springfield, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | USA Mortgage | 87/100 | 4.9 ★ | 445 |
| 2 | Gershman Mortgage Springfield, MO | 90/100 | 4.9 ★ | 247 |
| 3 | Flat Branch Home Loans | 87/100 | 4.9 ★ | 426 |
| 4 | USA Mortgage | Christi Bukaty | 79/100 | 5.0 ★ | 43 |
| 5 | Summit Lending- Khokhlan Mortgage Team, Mortgage Lender | 78/100 | 5.0 ★ | 36 |
| 6 | Adam Swenka Team, Mortgage Lender NMLS #932959 | 88/100 | 5.0 ★ | 253 |
| 7 | PrimeLending - Andrew Semple | Sr. Loan Advisor | 84/100 | 4.9 ★ | 168 |
| 8 | Express Mortgage | 85/100 | 5.0 ★ | 143 |
| 9 | PrimeLending, A PlainsCapital Company - Springfield | 84/100 | 5.0 ★ | 116 |
| 10 | Cross Country Mortgage Andy Heffner | 83/100 | 5.0 ★ | 102 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Springfield
What does a mortgage broker do differently than going directly to a bank in Springfield?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Springfield?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MO?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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