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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 Des Moines
Updated February 5, 2026
Market Overview
81
Total Lenders
10,578
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $463 | -0.241% | 1,317 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $374 | -0.238% | 703 | |
3 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | $1,172 | -0.155% | 500 | |
4 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | $1,098 | -0.271% | 448 | |
5 | Luana Savings Bank | Exceptional | Exceptional | Strong | Exceptional | -$776 | -0.191% | 294 | |
6 | GREATER IOWA CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $234 | +0.289% | 69 | |
7 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Sound | $853 | -0.187% | 36 | |
8 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Sound | $1,488 | -0.343% | 33 | |
9 | Fortress Bank | Exceptional | Strong | Strong | Exceptional | $1,652 | +0.300% | 362 | |
10 | Northwest Bank | Exceptional | Strong | Strong | Exceptional | $1,006 | -0.055% | 316 | |
11 | Fidelity Bank | Exceptional | Strong | Strong | Exceptional | $1,411 | +0.237% | 210 | |
12 | Central Bank | Exceptional | Strong | Exceptional | Strong | $1,086 | -0.332% | 128 | |
13 | Bankers Trust Company | Exceptional | Exceptional | Sound | Strong | $596 | -0.124% | 70 | |
14 | Farmers State Bank | Exceptional | Exceptional | Sound | Strong | $729 | -0.168% | 48 | |
15 | BANK | Exceptional | Exceptional | Sound | Strong | $1,248 | -0.868% | 47 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $859 | +0.119% | 222 | |
17 | Lincoln Savings Bank | Strong | Strong | Strong | Strong | $1,626 | -0.011% | 131 | |
18 | Truist Bank | Strong | Strong | Strong | Strong | $3,684 | +0.159% | 95 | |
19 | FINANCIAL PLUS CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $762 | -0.501% | 48 | |
20 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $667 | -0.764% | 30 | |
21 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,336 | -0.066% | 393 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,659 | +0.081% | 262 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,817 | +0.034% | 174 | |
24 | Empeople Credit Union | Strong | Strong | Sound | Strong | $596 | -0.361% | 77 | |
25 | Great Southern Bank | Strong | Strong | Strong | Sound | $1,707 | +0.107% | 26 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,531 | +0.414% | 126 | |
27 | Bank Iowa | Strong | Sound | Strong | Strong | $1,528 | +0.063% | 108 | |
28 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,671 | +0.293% | 82 | |
29 | HOMESERVICES LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,467 | +0.265% | 419 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,625 | +0.374% | 368 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,473 | +0.423% | 140 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,133 | +0.489% | 122 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,828 | +0.478% | 94 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,063 | +0.276% | 81 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,426 | +0.443% | 56 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,308 | -0.025% | 55 | |
37 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,575 | +0.397% | 50 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,192 | -0.086% | 37 | |
39 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,695 | +0.296% | 28 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,401 | +0.435% | 521 | |
41 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $2,260 | +0.282% | 237 | |
42 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,866 | +0.511% | 150 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,241 | +0.416% | 127 | |
44 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,400 | +0.596% | 97 | |
45 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,335 | +0.351% | 63 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,019 | +0.844% | 51 | |
47 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $2,977 | +0.560% | 41 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,331 | +0.161% | 27 | |
49 | FRONTIER FINANCIAL, INC. | Sound | Acceptable | Sound | Strong | $2,595 | +0.338% | 67 | |
50 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,540 | +0.352% | 54 |
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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