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Emergency Mortgage Brokers in Springfield, MO — Available 24/7
When you can't wait, these mortgage brokers in Springfield offer emergency response. Call now — most respond within the hour.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Springfield, MO by verified customer ratings and review volume. The highest-rated is Gershman Mortgage Springfield, MO with a 4.9-star rating from 247 verified reviews. Also in the top tier: USA Mortgage 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
146
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Gershman Mortgage Springfield, MO
1557 E Primrose St #100, Springfield, MO 65804, USA
USA Mortgage
3100 S National Ave #101, Springfield, MO 65807, USA
Flat Branch Home Loans
4350 S National Ave a100, Springfield, MO 65810, USA
Mortgage Brokers Rankings in Springfield, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gershman Mortgage Springfield, MO1557 E Primrose St #100, Springfield, MO 65804, USA | 4.9★ | 247 |
| #2 | USA Mortgage3100 S National Ave #101, Springfield, MO 65807, USA | 4.9★ | 445 |
| #3 | Flat Branch Home Loans4350 S National Ave a100, Springfield, MO 65810, USA | 4.9★ | 426 |
| #4 | Adam Swenka Team, Mortgage Lender NMLS #9329594350 S National Ave, Springfield, MO 65810, USA | 5.0★ | 253 |
| #5 | PrimeLending - Andrew Semple | Sr. Loan Advisor3000 E Chestnut Expressway Ste B, Springfield, MO 65802, USA | 4.9★ | 168 |
| #6 | PrimeLending, A PlainsCapital Company - Springfield3000 E Chestnut Expressway B, Springfield, MO 65802, USA | 5.0★ | 116 |
| #7 | Alex Carriker | Highlands Residential Mortgage, Ltd.1465 E Primrose St Suite B, Springfield, MO 65804, USA | 5.0★ | 126 |
| #8 | Cross Country Mortgage Andy Heffner1911 S National Ave Suite 104, Springfield, MO 65804, USA | 5.0★ | 102 |
| #9 | Express Mortgage1701 S Enterprise Ave Suite 103, Springfield, MO 65804, USA | 5.0★ | 143 |
| #10 | USA Mortgage | Christi Bukaty3100 S National Ave #100, Springfield, MO 65804, USA | 5.0★ | 43 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Springfield
Adam Swenka Team, Mortgage Lender NMLS #932959
4350 S National Ave, Springfield, MO 65810, USA
PrimeLending - Andrew Semple | Sr. Loan Advisor
3000 E Chestnut Expressway Ste B, Springfield, MO 65802, USA
PrimeLending, A PlainsCapital Company - Springfield
3000 E Chestnut Expressway B, Springfield, MO 65802, USA
Alex Carriker | Highlands Residential Mortgage, Ltd.
1465 E Primrose St Suite B, Springfield, MO 65804, USA
Cross Country Mortgage Andy Heffner
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Express Mortgage
1701 S Enterprise Ave Suite 103, Springfield, MO 65804, USA
USA Mortgage | Christi Bukaty
3100 S National Ave #100, Springfield, MO 65804, USA
Summit Lending- Khokhlan Mortgage Team, Mortgage Lender
1638 E Republic Rd Ste B, Springfield, MO 65804, USA
The Chavez Team - Cross Country Mortgage
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Langley Mortgage Team
1557 E Primrose St, Springfield, MO 65804, USA
Bradley Farris - Farris Mortgage
2412 E Madrid St, Springfield, MO 65804, USA
Home Mortgage Group, INC
4200 S Quail Creek Ave, Springfield, MO 65810, USA
1st Team Mortgage, LLC
1525 E Republic Rd Suite 120, Springfield, MO 65804, USA
Cole Keeling-USA Mortgage
3100 S National Ave #101, Springfield, MO 65807, USA
Motto Mortgage Custom Advantage
1342 E Battlefield Rd, Springfield, MO 65804, USA
Cross Country Mortgage Duncan Bryan 2602468
1911 S National Ave Suite 104, Springfield, MO 65804, USA
Jeff Schiman Mortgage Lender with Flat Branch Home Loans
4350 S National Ave, Springfield, MO 65810, USA
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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 1, 2026.
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