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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Ames
Updated February 6, 2026
Market Overview
28
Total Lenders
1,003
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | $865 | -0.092% | 219 | |
2 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Strong | $524 | -0.173% | 69 | |
3 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $272 | -0.329% | 31 | |
4 | GREATER IOWA CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $279 | +0.165% | 47 | |
5 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Strong | $1,089 | -0.315% | 30 | |
6 | Luana Savings Bank | Exceptional | Exceptional | Strong | Strong | -$879 | -0.188% | 24 | |
7 | Bankers Trust Company | Exceptional | Exceptional | Sound | Strong | $399 | -0.532% | 26 | |
8 | Northwest Bank | Strong | Strong | Strong | Strong | $812 | -0.060% | 39 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $605 | +0.212% | 38 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,294 | -0.058% | 51 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,665 | +0.416% | 105 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,625 | +0.301% | 47 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,560 | +0.482% | 41 | |
14 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,714 | +0.442% | 28 | |
15 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $1,990 | +0.562% | 21 | |
16 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Sound | Strong | $2,807 | +0.263% | 26 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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