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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 Lenders in Iowa
Updated February 6, 2026
Market Overview
162
Total Lenders
34,766
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $497 | -0.256% | 4,661 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $379 | -0.212% | 2,150 | |
3 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | $1,157 | -0.056% | 2,020 | |
4 | Hills Bank and Trust Company | Exceptional | Exceptional | Exceptional | Exceptional | $739 | -0.300% | 1,211 | |
5 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Exceptional | $1,475 | -0.266% | 653 | |
6 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | $1,105 | -0.264% | 527 | |
7 | Luana Savings Bank | Exceptional | Exceptional | Strong | Exceptional | -$697 | -0.193% | 436 | |
8 | RUHL MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | $832 | -0.039% | 344 | |
9 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Strong | $1,060 | -0.088% | 248 | |
10 | I. H. MISSISSIPPI VALLEY CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $1,679 | -0.456% | 202 | |
11 | Central Bank | Exceptional | Strong | Exceptional | Exceptional | $2,067 | -0.094% | 495 | |
12 | RESIDENTIAL MORTGAGE NETWORK, INC. | Exceptional | Strong | Exceptional | Exceptional | $1,199 | -0.017% | 424 | |
13 | Fidelity Bank & Trust | Exceptional | Exceptional | Strong | Strong | $745 | -0.586% | 211 | |
14 | GREATER IOWA CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $243 | +0.252% | 144 | |
15 | Du Trac Community Credit Union | Exceptional | Exceptional | Strong | Strong | $1,028 | -0.162% | 132 | |
16 | LINN AREA | Exceptional | Exceptional | Strong | Strong | $586 | -0.046% | 116 | |
17 | Northwest Bank | Exceptional | Strong | Strong | Exceptional | $1,074 | +0.073% | 900 | |
18 | Fortress Bank | Exceptional | Strong | Strong | Exceptional | $1,548 | +0.271% | 452 | |
19 | MidWestOne Bank | Exceptional | Strong | Exceptional | Strong | $839 | -0.010% | 288 | |
20 | Farmers State Bank | Exceptional | Exceptional | Sound | Strong | $896 | -0.043% | 169 | |
21 | Bankers Trust Company | Exceptional | Exceptional | Sound | Strong | $440 | -0.296% | 121 | |
22 | ASCENTRA Credit Union | Exceptional | Exceptional | Sound | Strong | $600 | -0.031% | 111 | |
23 | BANK | Exceptional | Exceptional | Sound | Strong | $1,138 | -0.522% | 107 | |
24 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $965 | +0.210% | 838 | |
25 | Lincoln Savings Bank | Strong | Strong | Strong | Strong | $1,459 | +0.112% | 263 | |
26 | Fidelity Bank | Strong | Strong | Strong | Strong | $1,403 | +0.225% | 238 | |
27 | Collins Community Credit Union | Strong | Strong | Strong | Strong | $786 | -0.092% | 211 | |
28 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $648 | -0.573% | 135 | |
29 | Great Southern Bank | Strong | Strong | Strong | Strong | $1,486 | +0.018% | 129 | |
30 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $1,846 | +0.280% | 113 | |
31 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,183 | +0.292% | 717 | |
32 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,696 | +0.120% | 516 | |
33 | Empeople Credit Union | Strong | Strong | Sound | Strong | $732 | -0.241% | 273 | |
34 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,922 | +0.355% | 229 | |
35 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $3,069 | +0.452% | 155 | |
36 | Truist Bank | Strong | Strong | Strong | Sound | $3,406 | +0.195% | 110 | |
37 | Farmers State Bank | Strong | Strong | Sound | Strong | $1,001 | -0.533% | 106 | |
38 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,334 | +0.508% | 1,620 | |
39 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $1,334 | -0.037% | 466 | |
40 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,939 | +0.458% | 245 | |
41 | Bank Iowa | Strong | Sound | Strong | Strong | $1,407 | +0.124% | 240 | |
42 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,005 | +0.100% | 175 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,367 | +0.684% | 170 | |
44 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,419 | +0.475% | 164 | |
45 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | $1,517 | +0.415% | 122 | |
46 | CBI Bank & Trust | Strong | Sound | Strong | Strong | $954 | +0.319% | 118 | |
47 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,713 | +0.309% | 102 | |
48 | HOMESERVICES LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,443 | +0.278% | 504 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,443 | +0.464% | 431 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,353 | +0.633% | 269 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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