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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 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GREENSTATE Credit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$497	-0.256%	4,661
2	RUHL MORTGAGE, LLC	Exceptional	Exceptional	Strong	Exceptional	Strong	$832	-0.039%	344
3	RESIDENTIAL MORTGAGE NETWORK, INC.	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,199	-0.017%	424
4	Great Southern Bank	Exceptional	Exceptional	Strong	Strong	Strong	$1,486	+0.018%	129
5	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,367	+0.684%	170
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,069	+0.452%	155
7	CHARTER WEST BANK	Exceptional	Strong	Exceptional	Strong	Strong	$1,517	+0.415%	122
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$965	+0.210%	838
9	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,183	+0.292%	717
10	HOMESERVICES LENDING, LLC	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,443	+0.278%	504
11	Fortress Bank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,548	+0.271%	452
12	Fidelity Bank	Exceptional	Strong	Strong	Strong	Strong	$1,403	+0.225%	238
13	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,922	+0.355%	229
14	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,005	+0.100%	175
15	First National Bank of Omaha	Exceptional	Strong	Strong	Strong	Strong	$1,846	+0.280%	113
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,334	+0.508%	1,620
17	Central Bank	Strong	Strong	Sound	Sound	Exceptional	$2,067	-0.094%	495
18	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$1,334	-0.037%	466
19	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,138	+0.448%	264
20	Lincoln Savings Bank	Strong	Strong	Sound	Strong	Strong	$1,459	+0.112%	263
21	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,419	+0.475%	164
22	The Central Trust Bank	Strong	Sound	Exceptional	Strong	Strong	$1,713	+0.309%	102
23	IOWA BANKERS MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$1,157	-0.056%	2,020
24	Northwest Bank	Strong	Sound	Sound	Strong	Exceptional	$1,074	+0.073%	900
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,353	+0.633%	269
26	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,114	+0.297%	153
27	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$1,873	+0.394%	121
28	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,696	+0.120%	516
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,443	+0.464%	431
30	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,719	+0.571%	427
31	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$2,332	+0.325%	315
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,939	+0.458%	245
33	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,797	+0.390%	222
34	FRONTIER FINANCIAL, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$2,311	+0.418%	184
35	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,644	+0.431%	173
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,834	+0.993%	157
37	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,337	+0.637%	131
38	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,375	+0.386%	99
39	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,630	+0.399%	94
40	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,022	+0.557%	686
41	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,470	+0.606%	315
42	Flanagan State Bank	Strong	Acceptable	Strong	Strong	Strong	$2,578	+0.606%	157
43	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Sound	$1,581	+0.098%	111
44	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,427	+0.522%	101
45	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Sound	$2,756	+0.497%	83
46	Servion, Inc.	Strong	Sound	Strong	Sound	Sound	$1,025	+0.326%	73
47	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Sound	Exceptional	$2,805	+0.529%	1,138
48	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,834	+0.416%	139
49	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$1,494	+0.314%	72
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,986	+0.692%	71

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.

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