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