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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 Conventional Mortgage Bank Lenders in Iowa
Updated February 6, 2026
Market Overview
31
Total Lenders
34,766
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Hills Bank and Trust Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $739 | -0.300% | 1,211 | |
2 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,060 | -0.088% | 248 | |
3 | Northwest Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,074 | +0.073% | 900 | |
4 | Luana Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$697 | -0.193% | 436 | |
5 | Fidelity Bank & Trust | Exceptional | Exceptional | Strong | Exceptional | Strong | $745 | -0.586% | 211 | |
6 | Central Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,067 | -0.094% | 495 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $965 | +0.210% | 838 | |
8 | Fortress Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,548 | +0.271% | 452 | |
9 | Farmers State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $896 | -0.043% | 169 | |
10 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $1,846 | +0.280% | 113 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,696 | +0.120% | 516 | |
12 | MidWestOne Bank | Exceptional | Strong | Strong | Strong | Strong | $839 | -0.010% | 288 | |
13 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Strong | $1,486 | +0.018% | 129 | |
14 | Bankers Trust Company | Exceptional | Exceptional | Sound | Sound | Strong | $440 | -0.296% | 121 | |
15 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $3,406 | +0.195% | 110 | |
16 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,332 | +0.325% | 315 | |
17 | Lincoln Savings Bank | Strong | Strong | Sound | Strong | Strong | $1,459 | +0.112% | 263 | |
18 | Farmers State Bank | Strong | Strong | Sound | Strong | Strong | $1,001 | -0.533% | 106 | |
19 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,713 | +0.309% | 102 | |
20 | Bank Iowa | Strong | Strong | Sound | Sound | Strong | $1,407 | +0.124% | 240 | |
21 | Fidelity Bank | Strong | Strong | Sound | Sound | Strong | $1,403 | +0.225% | 238 | |
22 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Strong | $1,517 | +0.415% | 122 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,581 | +0.098% | 111 | |
24 | BANK | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,138 | -0.522% | 107 | |
25 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,138 | +0.448% | 264 | |
26 | CBI Bank & Trust | Strong | Sound | Sound | Strong | Strong | $954 | +0.319% | 118 | |
27 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,873 | +0.394% | 121 | |
28 | Flanagan State Bank | Strong | Acceptable | Strong | Sound | Strong | $2,578 | +0.606% | 157 | |
29 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,313 | -0.101% | 102 | |
30 | United Bank of Iowa | Sound | Acceptable | Sound | Acceptable | Strong | $1,366 | +0.334% | 172 | |
31 | Two Rivers Bank & Trust | Sound | Mediocre | Acceptable | Acceptable | Strong | $284 | +0.439% | 79 |
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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