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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 Company Lenders in Iowa
Updated February 6, 2026
Market Overview
40
Total Lenders
14,709
Total Loans
0.53%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | $1,157 | -0.056% | 2,020 | |
2 | RUHL MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | $832 | -0.039% | 344 | |
3 | RESIDENTIAL MORTGAGE NETWORK, INC. | Exceptional | Strong | Exceptional | Exceptional | $1,199 | -0.017% | 424 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,183 | +0.292% | 717 | |
5 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,922 | +0.355% | 229 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $3,069 | +0.452% | 155 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,334 | +0.508% | 1,620 | |
8 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $1,334 | -0.037% | 466 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,939 | +0.458% | 245 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,005 | +0.100% | 175 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,367 | +0.684% | 170 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,419 | +0.475% | 164 | |
13 | HOMESERVICES LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,443 | +0.278% | 504 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,443 | +0.464% | 431 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,353 | +0.633% | 269 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,797 | +0.390% | 222 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,644 | +0.431% | 173 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,834 | +0.993% | 157 | |
19 | Servion, Inc. | Strong | Sound | Strong | Sound | $1,025 | +0.326% | 73 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,805 | +0.529% | 1,138 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,022 | +0.557% | 686 | |
22 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,719 | +0.571% | 427 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,834 | +0.416% | 139 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,337 | +0.637% | 131 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,375 | +0.386% | 99 | |
26 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,630 | +0.399% | 94 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $2,756 | +0.497% | 83 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,494 | +0.314% | 72 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,470 | +0.606% | 315 | |
30 | FRONTIER FINANCIAL, INC. | Sound | Acceptable | Sound | Strong | $2,311 | +0.418% | 184 | |
31 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,114 | +0.297% | 153 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,530 | +0.680% | 110 | |
33 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,427 | +0.522% | 101 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,986 | +0.692% | 71 | |
35 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Strong | $5,247 | +0.607% | 138 | |
36 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Sound | Strong | $3,430 | +0.276% | 119 | |
37 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Sound | $4,835 | +0.289% | 84 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $1,649 | +1.081% | 81 | |
39 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $2,354 | +0.834% | 77 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $3,964 | +1.201% | 90 |
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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