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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 Conventional Mortgage Lenders in Cedar Rapids
Updated February 5, 2026
Market Overview
33
Total Lenders
3,315
Total Loans
0.12%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $623 | -0.295% | 953 | |
2 | Hills Bank and Trust Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $783 | -0.297% | 471 | |
3 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $415 | -0.240% | 204 | |
4 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $826 | -0.200% | 80 | |
5 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,657 | -0.217% | 77 | |
6 | Fidelity Bank & Trust | Exceptional | Exceptional | Strong | Exceptional | Sound | $758 | -0.629% | 17 | |
7 | LINN AREA | Exceptional | Exceptional | Sound | Strong | Strong | $592 | -0.050% | 100 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $430 | -0.746% | 20 | |
9 | Collins Community Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $771 | -0.117% | 152 | |
10 | RESIDENTIAL MORTGAGE NETWORK, INC. | Exceptional | Strong | Sound | Strong | Exceptional | $1,171 | -0.066% | 139 | |
11 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,936 | +0.280% | 120 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $585 | +0.202% | 55 | |
13 | Farmers State Bank | Strong | Strong | Sound | Strong | Strong | $947 | -0.608% | 90 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,619 | +0.248% | 31 | |
15 | MidWestOne Bank | Strong | Strong | Strong | Strong | Sound | $653 | -0.074% | 21 | |
16 | Bankers Trust Company | Strong | Exceptional | Sound | Sound | Sound | $18 | -0.813% | 14 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,471 | +0.622% | 197 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,452 | +0.440% | 122 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,504 | +0.213% | 22 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,036 | +0.660% | 107 | |
21 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,366 | +1.070% | 21 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,124 | +0.292% | 15 | |
23 | HOMESERVICES LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,277 | +0.213% | 16 | |
24 | Waterstone Mortgage Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $4,572 | +0.320% | 34 | |
25 | COMMUNITY 1ST CREDIT UNION | Sound | Mediocre | Sound | Sound | Sound | $268 | +0.361% | 25 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Cedar Rapids, IAConventional
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