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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $497 | -0.256% | 4,661 | |
2 | VERIDIAN CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $379 | -0.212% | 2,150 | |
3 | Community Choice Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,105 | -0.264% | 527 | |
4 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,157 | -0.056% | 2,020 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,183 | +0.292% | 717 | |
6 | HOMESERVICES LENDING, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,443 | +0.278% | 504 | |
7 | RESIDENTIAL MORTGAGE NETWORK, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199 | -0.017% | 424 | |
8 | Northwest Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,074 | +0.073% | 900 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $965 | +0.210% | 838 | |
10 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,334 | -0.037% | 466 | |
11 | RUHL MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $832 | -0.039% | 344 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,939 | +0.458% | 245 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,005 | +0.100% | 175 | |
14 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,367 | +0.684% | 170 | |
15 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $648 | -0.573% | 135 | |
16 | Fortress Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,548 | +0.271% | 452 | |
17 | Fidelity Bank | Exceptional | Strong | Strong | Strong | Strong | $1,403 | +0.225% | 238 | |
18 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,797 | +0.390% | 222 | |
19 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,644 | +0.431% | 173 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069 | +0.452% | 155 | |
21 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Strong | $1,486 | +0.018% | 129 | |
22 | CHARTER WEST BANK | Exceptional | Strong | Strong | Strong | Strong | $1,517 | +0.415% | 122 | |
23 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $1,846 | +0.280% | 113 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334 | +0.508% | 1,620 | |
25 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,138 | +0.448% | 264 | |
26 | Lincoln Savings Bank | Strong | Strong | — | Strong | Strong | $1,459 | +0.112% | 263 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,419 | +0.475% | 164 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,114 | +0.297% | 153 | |
29 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,313 | -0.101% | 102 | |
30 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,696 | +0.120% | 516 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,353 | +0.633% | 269 | |
32 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,922 | +0.355% | 229 | |
33 | Flanagan State Bank | Strong | Sound | Strong | Strong | Strong | $2,578 | +0.606% | 157 | |
34 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,873 | +0.394% | 121 | |
35 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $1,713 | +0.309% | 102 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,427 | +0.522% | 101 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,494 | +0.314% | 72 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,022 | +0.557% | 686 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,443 | +0.464% | 431 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,719 | +0.571% | 427 | |
41 | FRONTIER FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $2,311 | +0.418% | 184 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,834 | +0.993% | 157 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,834 | +0.416% | 139 | |
44 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,375 | +0.386% | 99 | |
45 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $1,025 | +0.326% | 73 | |
46 | LAND HOME FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,430 | +0.276% | 119 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,530 | +0.680% | 110 | |
48 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,630 | +0.399% | 94 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,470 | +0.606% | 315 | |
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)
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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