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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 Bank Lenders in Des Moines
Updated February 5, 2026
Market Overview
20
Total Lenders
10,578
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Northwest Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,006 | -0.055% | 316 | |
2 | Luana Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$776 | -0.191% | 294 | |
3 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $853 | -0.187% | 36 | |
4 | Fortress Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,652 | +0.300% | 362 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $859 | +0.119% | 222 | |
6 | Central Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,086 | -0.332% | 128 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $3,684 | +0.159% | 95 | |
8 | Farmers State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $729 | -0.168% | 48 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,817 | +0.034% | 174 | |
10 | Bankers Trust Company | Exceptional | Exceptional | Sound | Sound | Strong | $596 | -0.124% | 70 | |
11 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,260 | +0.282% | 237 | |
12 | Fidelity Bank | Strong | Strong | Sound | Sound | Exceptional | $1,411 | +0.237% | 210 | |
13 | Lincoln Savings Bank | Strong | Strong | Sound | Strong | Strong | $1,626 | -0.011% | 131 | |
14 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,671 | +0.293% | 82 | |
15 | Great Southern Bank | Strong | Strong | Strong | Strong | Sound | $1,707 | +0.107% | 26 | |
16 | Bank Iowa | Strong | Strong | Sound | Sound | Strong | $1,528 | +0.063% | 108 | |
17 | BANK | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,248 | -0.868% | 47 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,192 | -0.086% | 37 | |
19 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,319 | +0.495% | 45 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,649 | +0.393% | 41 |
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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