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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 Bank Lenders in Iowa
Updated February 6, 2026
Market Overview
16
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 | Great Southern Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,486 | +0.018% | 129 | |
2 | CHARTER WEST BANK | Exceptional | Strong | Exceptional | Strong | Strong | $1,517 | +0.415% | 122 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $965 | +0.210% | 838 | |
4 | Fortress Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,548 | +0.271% | 452 | |
5 | Fidelity Bank | Exceptional | Strong | Strong | Strong | Strong | $1,403 | +0.225% | 238 | |
6 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $1,846 | +0.280% | 113 | |
7 | Central Bank | Strong | Strong | Sound | Sound | Exceptional | $2,067 | -0.094% | 495 | |
8 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,138 | +0.448% | 264 | |
9 | Lincoln Savings Bank | Strong | Strong | Sound | Strong | Strong | $1,459 | +0.112% | 263 | |
10 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,713 | +0.309% | 102 | |
11 | Northwest Bank | Strong | Sound | Sound | Strong | Exceptional | $1,074 | +0.073% | 900 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,873 | +0.394% | 121 | |
13 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,696 | +0.120% | 516 | |
14 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,332 | +0.325% | 315 | |
15 | Flanagan State Bank | Strong | Acceptable | Strong | Strong | Strong | $2,578 | +0.606% | 157 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,581 | +0.098% | 111 |
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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