Mortgage lending in Springfield, MO
12,977 mortgages were originated in the Springfield, MO area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 12,977
- Median rate
- 6.670%
- Median lender fees
- $3,923
- Median loan amount
- $195,000
- Median spread over APOR
- 0.320
- Paid discount points
- 29.4%
- Received lender credits
- 19.8%
- Purchases / refinances
- 54.4% / 29.7%
- Conventional / FHA / VA
- 74.9% / 14.3% / 9.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Springfield, MO area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 847 | $3,925 | 6.500% |
| Rocket Mortgage, LLC | 712 | $4,856 | 6.625% |
| The Central Trust Bank | 569 | $3,844 | 6.490% |
| Arvest Bank | 465 | $3,842 | 7.000% |
| BluCurrent Credit Union | 444 | $2,508 | 7.000% |
| Great Southern Bank | 443 | $3,015 | 6.625% |
| GERSHMAN INVESTMENT CORP. | 438 | $3,529 | 6.500% |
| Oakstar Bank | 373 | $2,853 | 7.250% |
| PENNYMAC LOAN SERVICES, LLC | 369 | $4,088 | 6.490% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 366 | $5,070 | 6.500% |