Safe Rate Rankings

Best FHA Mortgage Lenders in Des Moines

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders81

Total Loans10,578

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$463Fees	0.241%Below	1,317
2	Fidelity BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,411Fees	0.237%Above	210
3	HOMESERVICES LENDING, LLCIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,467Fees	0.265%Above	419
4	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,336Fees	0.066%Below	393
5	Fortress BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,652Fees	0.300%Above	362
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,659Fees	0.081%Above	262
7	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$859Fees	0.119%Above	222
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,426Fees	0.443%Above	56
9	Lincoln Savings BankBank	Strong	Strong	Sound	Strong	Strong	$1,626Fees	0.011%Below	131
10	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,671Fees	0.293%Above	82
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,308Fees	0.025%Below	55
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,625Fees	0.374%Above	368
13	Northwest BankBank	Strong	Sound	Sound	Strong	Exceptional	$1,006Fees	0.055%Below	316
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,133Fees	0.489%Above	122
15	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,319Fees	0.495%Above	45
16	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$1,649Fees	0.393%Above	41
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,695Fees	0.296%Above	28
18	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,260Fees	0.282%Above	237
19	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,866Fees	0.511%Above	150
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,473Fees	0.423%Above	140
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,531Fees	0.414%Above	126
22	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,400Fees	0.596%Above	97
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,828Fees	0.478%Above	94
24	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,063Fees	0.276%Above	81
25	FRONTIER FINANCIAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$2,595Fees	0.338%Above	67
26	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,335Fees	0.351%Above	63
27	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,003Fees	0.302%Above	55
28	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,104Fees	0.657%Above	137
29	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,241Fees	0.416%Above	127
30	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,540Fees	0.352%Above	54
31	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,019Fees	0.844%Above	51
32	COMPASS MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,575Fees	0.397%Above	50
33	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,977Fees	0.560%Above	41
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Sound	Exceptional	$2,401Fees	0.435%Above	521
35	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,764Fees	0.397%Above	33
36	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,331Fees	0.161%Above	27
37	LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,662Fees	0.273%Above	64
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,005Fees	0.026%Above	43

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.