Safe Rate Rankings

Best Conventional Mortgage Lenders in Davenport

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders54

Total Loans4,062

Median Rate Spread0.41%

Davenport Market Insights

Greenstate Credit Union is Safe Rate's top-ranked Conventional lender in Davenport, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Davenport, Du Trac Community Credit Union and I H Mississippi Valley Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #10 in Davenport, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Davenport: Rocket Mortgage (#5) and I H Mississippi Valley Credit Union (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Davenport

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By Institution Type

Banks Credit Unions Mortgage Companies

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★ Davenport Exclusive Offer ★

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GREENSTATE Credit Union Credit UnionDirect	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$684Fees	0.280%Below	503
2	I. H. MISSISSIPPI VALLEY CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$1,242Fees	0.377%Below	454
3	RUHL MORTGAGE, LLC Independent Mortgage CompanyDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$927Fees	0.057%Below	331
4	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,254Fees	0.298%Above	79
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,210Fees	0.551%Above	204
6	Empeople Credit Union Credit UnionDirect	Strong	Strong	Strong	Sound	Exceptional	$828Fees	0.110%Below	192
7	Du Trac Community Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	Strong	$1,085Fees	0.171%Below	80
8	Old National Bank BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$1,073Fees	0.042%Above	33
9	American Bank and Trust Company, National Association BankDirect	Strong	Exceptional	Sound	Strong	Exceptional	$1,199Fees	0.021%Above	116
10	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,464Fees	0.104%Above	64
11	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$45Fees	0.469%Below	19
12	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$1,602Fees	0.427%Above	16
13	ASCENTRA Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Sound	Exceptional	$615Fees	0.041%Below	132
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,224Fees	0.843%Above	69
15	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$1,525Fees	0.655%Above	264
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,926Fees	0.790%Above	100
17	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,548Fees	0.533%Above	307
18	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,822Fees	0.201%Above	39
19	Great Southern Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$1,356Fees	0.188%Below	19
20	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,745Fees	0.235%Above	19
21	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,608Fees	0.773%Above	122
22	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$1,955Fees	0.411%Above	37
23	Fortress Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$776Fees	0.009%Above	30
24	CBI Bank & Trust BankDirect	Strong	Sound	Sound	Strong	Strong	$874Fees	0.369%Above	86
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,270Fees	0.464%Above	27
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,307Fees	0.185%Above	14
27	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,564Fees	0.307%Above	51
28	COMMUNITY BANC MORTGAGE CORPORATION Independent Mortgage CompanyWholesale	Strong	Strong*	Strong	Sound	Sound	$1,510Fees	0.164%Above	18
29	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Acceptable	$1,026Fees	0.140%Above	10
30	Servion, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Sound	$835Fees	0.425%Above	10
31	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,234Fees	0.876%Above	20
32	R.I.A. Federal Credit Union Credit UnionDirect	Sound	—	Sound	Sound	Strong	$662Fees	0.117%Below	78
33	MICHIGAN MUTUAL, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Strong	$1,144Fees	0.287%Above	44
34	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$1,540Fees	0.698%Above	95
35	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,081Fees	0.207%Above	16
36	Flanagan State Bank BankDirect	Sound	Acceptable	Strong	Sound	Strong	$1,873Fees	0.505%Above	40
37	CALCON MUTUAL MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$2,221Fees	0.741%Above	38
38	THE FAMILY Credit UnionDirect	Sound	—	Acceptable	Strong	Strong	—	—	24
39	Luminate Home Loans, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$3,564Fees	0.545%Above	11
40	SUCCESS MORTGAGE PARTNERS, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$4,664Fees	1.048%Above	23
41	AXIA FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Mediocre*	Strong	Strong	Sound	$2,981Fees	0.857%Above	22
42	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$2,945Fees	0.990%Above	12
43	MARINE CREDIT UNION Credit UnionDirect	Sound	Mediocre	Strong	Sound	Sound	$2,280Fees	1.582%Above	20
44	COMPEER FINANCIAL, FLCA Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$1,754Fees	0.995%Above	17

❓ Frequently Asked Questions

How are mortgage lenders ranked in Davenport?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Davenport), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Davenport?+

Based on 2024 HMDA data, 54 lenders originated a combined 4,062 loans in Davenport. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Davenport?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Davenport is 0.41%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Davenport's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.