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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 VA 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 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $374 | -0.238% | 703 | |
3 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,098 | -0.271% | 448 | |
4 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,172 | -0.155% | 500 | |
5 | HOMESERVICES LENDING, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,467 | +0.265% | 419 | |
6 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,336 | -0.066% | 393 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,659 | +0.081% | 262 | |
8 | Northwest Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,006 | -0.055% | 316 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $859 | +0.119% | 222 | |
10 | Fidelity Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,411 | +0.237% | 210 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,531 | +0.414% | 126 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $667 | -0.764% | 30 | |
13 | Fortress Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,652 | +0.300% | 362 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,828 | +0.478% | 94 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,063 | +0.276% | 81 | |
16 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,426 | +0.443% | 56 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,308 | -0.025% | 55 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625 | +0.374% | 368 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,817 | +0.034% | 174 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,003 | +0.302% | 55 | |
21 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,319 | +0.495% | 45 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,695 | +0.296% | 28 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,331 | +0.161% | 27 | |
24 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,866 | +0.511% | 150 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,473 | +0.423% | 140 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,241 | +0.416% | 127 | |
27 | LAND HOME FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,662 | +0.273% | 64 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,401 | +0.435% | 521 | |
29 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Strong | $2,260 | +0.282% | 237 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,104 | +0.657% | 137 |
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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