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