Verified · Springfield
Trusted Mortgage Brokers in Springfield, MO
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Springfield have earned it through hundreds of verified reviews.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Springfield, MO by verified customer ratings and review volume. The highest-rated is USA Mortgage with a 4.9-star rating from 445 verified reviews. 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 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
USA Mortgage
3100 S National Ave #101, Springfield, MO 65807, USA
Gershman Mortgage Springfield, MO
1557 E Primrose St #100, Springfield, MO 65804, USA
Flat Branch Home Loans
4350 S National Ave a100, Springfield, MO 65810, USA
Mortgage 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 | 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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