Bank of Springfield: 2025 mortgage rates, costs & approvals
How Bank of Springfield priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Bank of Springfield · LEI 549300XAJENHWRM32Z86
In 2025, Bank of Springfield originated 604 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 23 states — 655th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.55% (all lenders: 6.625%); its median rate spread was 7 basis points above the national median. Median conventional loan costs were $2,160, 61% lower than the national median ($5,570).
It denied 5.9% of completed home-purchase applications (all lenders: 8.5%).
How Bank of Springfield priced home-purchase loans
| Purchase loans, 2025 | Bank of Springfield | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.550% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.975% | 5.875% |
| Rate spread vs. APOR · conventional | +0.20 pts | +0.13 pts |
| Total loan costs · conventional | $2,160 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $470 | $1,860 |
| Borrowers paying discount points | 5.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.18% | 0.87% |
| Borrowers receiving lender credits | 17.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Bank of Springfield denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Bank of Springfield lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 472 | 503 | 4.8% | 6.525% | $2,020 |
| Missouri | 94 | 110 | 12.5% | 6.625% | $3,340 |
| Florida | 7 | 7 | — | — | — |
| Nebraska | 4 | 4 | — | — | — |
| Arizona | 3 | 3 | — | — | — |
| Kentucky | 3 | 3 | — | — | — |
| Texas | 2 | 3 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Michigan | 2 | 2 | — | — | — |
| New Jersey | 2 | 2 | — | — | — |
| Indiana | 1 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| California | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Montana | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Bank of Springfield's page for that state.
Counties where Bank of Springfield is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sangamon County, IL | 2 | 299 | 11.4% |
| Menard County, IL | 7 | 7 | 3.7% |
| Scott County, IL | 15 | 1 | 3.1% |
| Adams County, IL | 9 | 13 | 2.4% |
| Morgan County, IL | 12 | 6 | 2.3% |
| Cass County, IL | 12 | 2 | 2.1% |
| Champaign County, IL | 14 | 43 | 2.1% |
| Christian County, IL | 16 | 7 | 1.9% |
| Mason County, IL | 23 | 2 | 1.2% |
| Bond County, IL | 25 | 2 | 1.1% |
| Piatt County, IL | 25 | 3 | 1.0% |
Check Bank of Springfield yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300XAJENHWRM32Z86.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Bank of Springfield with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology