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

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.

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