Springfield
Metropolitan Statistical Area · MSA Code 44220
According to CFPB HMDA 2024 application volume among tracked metros, Springfield ranks #308 of 418.
Mortgage lending activity in the Springfield metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Springfield Metropolitan Statistical Area (MSA code 44220) financed its book at an average note rate of 7.42%. 20 major lenders are tracked for this metro - Wright Patt Credit Union Inc, Crosscountry Mortgage, LLC, Huntington National Bank lead by origination volume. Among the 418 metros tracked, Springfield sits in the 38th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Springfield denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 17.4% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $152,505 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Springfield
In Springfield, lead originator Wright Patt Credit Union Inc funded 15.7% of 2,956 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 30.8% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Springfield's 17.4% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Springfield's 5,435 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Springfield's $152,505 average loan (deduped against denial and volume peers).
Lenders active in the Springfield metro
Wright Patt Credit Union Inc funded 465 of the 2,956 loans originated here, 15.7% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Wright Patt Credit Union Inc | 465 | 717 | $103,940 | 15.7% |
| 2 | Crosscountry Mortgage, LLC | 224 | 280 | $193,786 | 7.6% |
| 3 | Huntington National Bank | 220 | 386 | $109,041 | 7.4% |
| 4 | Rocket Mortgage | 197 | 264 | $166,553 | 6.7% |
| 5 | The Park National Bank | 135 | 201 | $107,736 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Springfield metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Springfield borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.