# Best Mortgage Lenders for USDA Loans in Iowa - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top USDA mortgage lenders in Iowa across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Iowa
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 162
- **Total Loan Volume:** 34,766
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [RESIDENTIAL MORTGAGE NETWORK, INC.](https://saferate.com/lenders/residential-mortgage-network) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [GREENSTATE Credit Union](https://saferate.com/lenders/greenstate-credit-union) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [Central Bank](https://saferate.com/lenders/central-bank-ia) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [GERSHMAN INVESTMENT CORP.](https://saferate.com/lenders/gershman-investment) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [IOWA BANKERS MORTGAGE CORPORATION](https://saferate.com/lenders/iowa-bankers-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 8 | [Northwest Bank](https://saferate.com/lenders/northwest-bank-ia) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 9 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 10 | [Fortress Bank](https://saferate.com/lenders/fortress-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 11 | [Barrington Bank & Trust Company, National Association](https://saferate.com/lenders/barrington-bank-trust-company-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 12 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 13 | [V.I.P. MORTGAGE, INC.](https://saferate.com/lenders/vip-mortgage) | Independent Mortgage Company | Strong 😀 | Strong 😀 | Strong 😀 |
| 14 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 15 | [Lincoln Savings Bank](https://saferate.com/lenders/lincoln-savings-bank) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 16 | [Bank Iowa](https://saferate.com/lenders/bank-iowa) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 17 | [Fidelity Bank](https://saferate.com/lenders/fidelity-bank-il) | Bank | Strong 😀 | Strong 😀 | Strong 😀 |
| 18 | [Great Southern Bank](https://saferate.com/lenders/great-southern-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 19 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 20 | [STOCKTON MORTGAGE CORPORATION](https://saferate.com/lenders/stockton-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 21 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 22 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 23 | [Flanagan State Bank](https://saferate.com/lenders/flanagan-state-bank) | Bank | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 24 | [Waterstone Mortgage Corporation](https://saferate.com/lenders/waterstone-mortgage) | Independent Mortgage Company | Sound ☺️ | Mediocre 😐 | Strong 😀 |
| 25 | [United Bank of Iowa](https://saferate.com/lenders/united-bank-of-iowa) | Bank | Sound ☺️ | Mediocre 😐 | Sound ☺️ |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/iowa/best-mortgage-lenders/usda-loans)