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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 Company Lenders in Des Moines

Updated February 5, 2026

Market Overview

Total Lenders

4,898

Total Loans

0.37%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	IOWA BANKERS MORTGAGE CORPORATION	Exceptional	Exceptional	Exceptional	Exceptional	$1,172	-0.155%	500
2	GERSHMAN INVESTMENT CORP.	Strong	Sound	Strong	Exceptional	$1,336	-0.066%	393
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	$2,659	+0.081%	262
4	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,531	+0.414%	126
5	HOMESERVICES LENDING, LLC	Strong	Acceptable	Strong	Exceptional	$2,467	+0.265%	419
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$3,625	+0.374%	368
7	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$2,473	+0.423%	140
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,133	+0.489%	122
9	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,828	+0.478%	94
10	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,063	+0.276%	81
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$2,426	+0.443%	56
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Sound	$2,308	-0.025%	55
13	COMPASS MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,575	+0.397%	50
14	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Sound	$3,695	+0.296%	28
15	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Sound	Exceptional	$2,401	+0.435%	521
16	LOWER, LLC	Strong	Acceptable	Strong	Strong	$1,866	+0.511%	150
17	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$1,241	+0.416%	127
18	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	$3,400	+0.596%	97
19	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$2,335	+0.351%	63
20	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$4,019	+0.844%	51
21	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Sound	$2,977	+0.560%	41
22	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$1,331	+0.161%	27
23	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$4,104	+0.657%	137
24	FRONTIER FINANCIAL, INC.	Sound	Acceptable	Sound	Strong	$2,595	+0.338%	67
25	PLAZA HOME MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	$1,540	+0.352%	54
26	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,005	+0.026%	43
27	NEWREZ LLC	Sound	Acceptable	Sound	Sound	$2,003	+0.302%	55
28	ENVOY MORTGAGE, LTD	Sound	Acceptable	Sound	Sound	$1,764	+0.397%	33
29	LAND HOME FINANCIAL SERVICES, INC.	Sound	Mediocre	Sound	Strong	$3,662	+0.273%	64

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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