# Best VA Mortgage Lenders in Des Moines

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Des Moines. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/des-moines/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 81
- **Total Loans:** 10,578
- **Median Rate Spread:** 0.1877974683544304%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | GREENSTATE Credit Union | 100 | 90 | 86 | 1,317 | Credit Union |
| 2 | VERIDIAN CREDIT UNION | 95 | 94 | 80 | 703 | Credit Union |
| 3 | Community Choice Credit Union | 95 | 89 | 91 | 448 | Credit Union |
| 4 | IOWA BANKERS MORTGAGE CORPORATION | 89 | 80 | 65 | 500 | Independent Mortgage Company |
| 5 | HOMESERVICES LENDING, LLC | 89 | 74 | 87 | 419 | Independent Mortgage Company |
| 6 | GERSHMAN INVESTMENT CORP. | 89 | 65 | 77 | 393 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 262 | Independent Mortgage Company |
| 8 | Northwest Bank | 85 | 79 | 63 | 316 | Bank |
| 9 | U.S. Bank National Association | 85 | 71 | 65 | 222 | Bank |
| 10 | Fidelity Bank | 85 | 63 | 69 | 210 | Bank |
| 11 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 126 | Independent Mortgage Company |
| 12 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 94 | Independent Mortgage Company |
| 13 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 81 | Independent Mortgage Company |
| 14 | Fortress Bank | 79 | 65 | 78 | 362 | Bank |
| 15 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 56 | Independent Mortgage Company |
| 16 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 55 | Independent Mortgage Company |
| 17 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 30 | Credit Union |
| 18 | ROCKET MORTGAGE, LLC | 75 | 29 | 81 | 368 | Independent Mortgage Company |
| 19 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 174 | Bank |
| 20 | NEWREZ LLC | 73 | 47 | 63 | 55 | Independent Mortgage Company |
| 21 | Plains Commerce Bank | 73 | 46 | 66 | 45 | Bank |
| 22 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 28 | Independent Mortgage Company |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 27 | Independent Mortgage Company |
| 24 | LOWER, LLC | 71 | 25 | 63 | 150 | Independent Mortgage Company |
| 25 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 140 | Independent Mortgage Company |
| 26 | Mortgage Research Center, LLC | 71 | 34 | 61 | 127 | Independent Mortgage Company |
| 27 | LAND HOME FINANCIAL SERVICES, INC. | 67 | 33 | 72 | 64 | Independent Mortgage Company |
| 28 | Barrington Bank & Trust Company, National Association | 60 | 14 | 65 | 237 | Bank |
| 29 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 10 | 79 | 137 | Independent Mortgage Company |
| 30 | NEW AMERICAN FUNDING, LLC | 59 | 19 | 58 | 521 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Des Moines.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.