🛡️
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 Company Lenders in Iowa
Updated February 6, 2026
Market Overview
38
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 | RUHL MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | Strong | $832 | -0.039% | 344 | |
2 | RESIDENTIAL MORTGAGE NETWORK, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199 | -0.017% | 424 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,367 | +0.684% | 170 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,069 | +0.452% | 155 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,183 | +0.292% | 717 | |
6 | HOMESERVICES LENDING, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,443 | +0.278% | 504 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,922 | +0.355% | 229 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,005 | +0.100% | 175 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334 | +0.508% | 1,620 | |
10 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,334 | -0.037% | 466 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,419 | +0.475% | 164 | |
12 | IOWA BANKERS MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,157 | -0.056% | 2,020 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,353 | +0.633% | 269 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,114 | +0.297% | 153 | |
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 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,939 | +0.458% | 245 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,797 | +0.390% | 222 | |
19 | FRONTIER FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $2,311 | +0.418% | 184 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,644 | +0.431% | 173 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,834 | +0.993% | 157 | |
22 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,337 | +0.637% | 131 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,375 | +0.386% | 99 | |
24 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,630 | +0.399% | 94 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,022 | +0.557% | 686 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,470 | +0.606% | 315 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,427 | +0.522% | 101 | |
28 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Sound | $2,756 | +0.497% | 83 | |
29 | Servion, Inc. | Strong | Sound | Strong | Sound | Sound | $1,025 | +0.326% | 73 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,805 | +0.529% | 1,138 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,834 | +0.416% | 139 | |
32 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,835 | +0.289% | 84 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,494 | +0.314% | 72 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,986 | +0.692% | 71 | |
35 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,430 | +0.276% | 119 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,530 | +0.680% | 110 | |
37 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $2,354 | +0.834% | 77 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $1,649 | +1.081% | 81 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
IowaFHA
No credit impact
3-minute process
100% free