Safe Rate Rankings

Best FHA Mortgage Bank Lenders in Iowa

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders16

Total Loans34,766

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Great Southern BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,486Fees	0.018%Above	129
2	CHARTER WEST BANKBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,517Fees	0.415%Above	122
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$965Fees	0.210%Above	838
4	Fortress BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,548Fees	0.271%Above	452
5	Fidelity BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,403Fees	0.225%Above	238
6	First National Bank of OmahaBank	Exceptional	Strong	Strong	Strong	Strong	$1,846Fees	0.280%Above	113
7	Central BankBank	Strong	Strong	Sound	Sound	Exceptional	$2,067Fees	0.094%Below	495
8	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,138Fees	0.448%Above	264
9	Lincoln Savings BankBank	Strong	Strong	Sound	Strong	Strong	$1,459Fees	0.112%Above	263
10	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,713Fees	0.309%Above	102
11	Northwest BankBank	Strong	Sound	Sound	Strong	Exceptional	$1,074Fees	0.073%Above	900
12	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$1,873Fees	0.394%Above	121
13	Wells Fargo Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,696Fees	0.120%Above	516
14	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,332Fees	0.325%Above	315
15	Flanagan State BankBank	Strong	Acceptable	Strong	Strong	Strong	$2,578Fees	0.606%Above	157
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,581Fees	0.098%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.