🛡️

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 Des Moines

Updated February 5, 2026

Market Overview

Total Lenders

10,578

Total Loans

0.19%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$463	-0.241%	1,317
2	VERIDIAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$374	-0.238%	703
3	IOWA BANKERS MORTGAGE CORPORATION	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,172	-0.155%	500
4	Community Choice Credit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,098	-0.271%	448
5	Northwest Bank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,006	-0.055%	316
6	Luana Savings Bank	Exceptional	Exceptional	Strong	Strong	Exceptional	-$776	-0.191%	294
7	WEST GATE BANK	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$853	-0.187%	36
8	DUPACO COMMUNITY	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$1,488	-0.343%	33
9	Fortress Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,652	+0.300%	362
10	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$859	+0.119%	222
11	Central Bank	Exceptional	Strong	Strong	Exceptional	Strong	$1,086	-0.332%	128
12	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$3,684	+0.159%	95
13	GREATER IOWA CREDIT UNION	Exceptional	Exceptional	Sound	Strong	Strong	$234	+0.289%	69
14	Farmers State Bank	Exceptional	Exceptional	Sound	Strong	Strong	$729	-0.168%	48
15	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$667	-0.764%	30
16	GERSHMAN INVESTMENT CORP.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,336	-0.066%	393
17	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,817	+0.034%	174
18	Bankers Trust Company	Exceptional	Exceptional	Sound	Sound	Strong	$596	-0.124%	70
19	FINANCIAL PLUS CREDIT UNION	Exceptional	Exceptional	Acceptable	Strong	Strong	$762	-0.501%	48
20	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,260	+0.282%	237
21	Fidelity Bank	Strong	Strong	Sound	Sound	Exceptional	$1,411	+0.237%	210
22	Lincoln Savings Bank	Strong	Strong	Sound	Strong	Strong	$1,626	-0.011%	131
23	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,671	+0.293%	82
24	Empeople Credit Union	Strong	Strong	Strong	Sound	Strong	$596	-0.361%	77
25	Great Southern Bank	Strong	Strong	Strong	Strong	Sound	$1,707	+0.107%	26
26	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,625	+0.374%	368
27	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,659	+0.081%	262
28	Bank Iowa	Strong	Strong	Sound	Sound	Strong	$1,528	+0.063%	108
29	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$1,540	+0.352%	54
30	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$1,192	-0.086%	37
31	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,695	+0.296%	28
32	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,331	+0.161%	27
33	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,401	+0.435%	521
34	HOMESERVICES LENDING, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,467	+0.265%	419
35	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,866	+0.511%	150
36	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,473	+0.423%	140
37	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,531	+0.414%	126
38	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,133	+0.489%	122
39	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,400	+0.596%	97
40	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,828	+0.478%	94
41	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,063	+0.276%	81
42	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$2,308	-0.025%	55
43	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Sound	$2,977	+0.560%	41
44	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,335	+0.351%	63
45	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$2,426	+0.443%	56
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$4,019	+0.844%	51
47	COMPASS MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,575	+0.397%	50
48	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,319	+0.495%	45
49	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,005	+0.026%	43
50	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Des MoinesConventional

No credit impact

3-minute process

100% free