Ames, Iowa mortgage lenders include Greater Iowa Credit UnionGreater Iowa Credit Union801 Lincoln Way, Ames, IA 50010A5.0 ★Texas Ratio: 8.43%, First National Bank Ames IowaFirst National Bank Ames Iowa2406 Grand Ave, Ames, IA 50010A5.0 ★Texas Ratio: 8.87%, Bankers Trust CompanyBankers Trust Company3725 Stange Rd, Ames, IA 50010A+5.0 ★Texas Ratio: 2.48%, Wells Fargo Bank NAWells Fargo Bank NA3910 Lincoln Way, Ames, IA 50014A+5.0 ★Texas Ratio: 5.36%, Northwest BankNorthwest Bank100 S 16th St, Ames, IA 50010A+5.0 ★Texas Ratio: 1.69%, US Bank, N.A.US Bank, N.A.2546 Lincoln Way, Ames, IA 50014A+5.0 ★Texas Ratio: 2.85%, River Valley Credit UnionRiver Valley Credit Union2811 E 13th St, Ames, IA 50010A+5.0 ★Texas Ratio: 4.97%, Exchange State BankExchange State Bank823 Wheeler St, Ames, IA 50010A5.0 ★Texas Ratio: 7.82%, Availa BankAvaila Bank1530 S Duff Ave, Ames, IA 50010A+5.0 ★Texas Ratio: 1.89%, and VisionBank of IowaVisionBank of Iowa107 Main St, Ames, IA 50010A+5.0 ★Texas Ratio: 2.93%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ames, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ames are listed first, then lenders elsewhere in Iowa, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Market share is the lender's share of all home loans closed in Ames, Iowa. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
801 Lincoln Way, Ames, IA 50010 A5.0 ★Texas Ratio: 8.43% |
Conventional | 83 | 11.1% | 91.4% | $156,807 | View |
|
5 offices in Ames 2406 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 8.87% |
Conventional | 44 | 5.9% | 90.4% | $222,272 | View |
|
1 office in Ames 3725 Stange Rd, Ames, IA 50010 A+5.0 ★Texas Ratio: 2.48% |
Conventional, Jumbo, HELOC | 38 +4 HELOCs |
5.1% | 95% | $313,421 | View |
|
1 office in Ames 3910 Lincoln Way, Ames, IA 50014 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 28 | 3.7% | 96.6% | $337,500 | View |
|
1 office in Ames 100 S 16th St, Ames, IA 50010 A+5.0 ★Texas Ratio: 1.69% |
Conventional, Jumbo, HELOC | 27 +4 HELOCs |
3.6% | 96.6% | $353,888 | View |
|
2 offices in Ames 2546 Lincoln Way, Ames, IA 50014 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 20 +9 HELOCs |
2.7% | 87% | $219,000 | View |
|
2811 E 13th St, Ames, IA 50010 A+5.0 ★Texas Ratio: 4.97% |
Conventional | 14 | 1.9% | 100% | $109,285 | View |
|
823 Wheeler St, Ames, IA 50010 A5.0 ★Texas Ratio: 7.82% |
Conventional | 13 | 1.7% | 100% | $146,538 | View |
|
1 office in Ames 1530 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 1.89% |
Conventional | 9 | 1.2% | 90% | $258,333 | View |
|
2 offices in Ames 107 Main St, Ames, IA 50010 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 9 | 1.2% | 81.8% | $159,444 | View |
|
423 Main St, Ames, IA 50010 A5.0 ★Texas Ratio: 6.02% |
Conventional, HELOC | 6 +4 HELOCs |
0.8% | 100% | $126,666 | View |
|
1 office in Ames 435 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 0.5% | 100% | $440,000 | View |
|
1 office in Ames 2709 Northridge Pkwy, Ames, IA 50010 A5.0 ★Texas Ratio: 11.68% |
Conventional | 3 | 0.4% | 50% | $295,000 | View |
|
1 office in Ames 640 Lincoln Way, Ames, IA 50010 A5.0 ★Texas Ratio: 9.76% |
Conventional | 2 | 0.3% | 66.7% | $305,000 | View |
|
★ 1 stars, 1 review 1 office in Ames 316 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 1 +7 HELOCs |
0.1% | 100% | $195,000 | View |
|
1 office in Ames 402 Lincoln Way, Ames, IA 50010 C3.4 ★Texas Ratio: 21.58% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
|
1 office in Ames 525 Main St, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
104 8th St SE, Altoona, IA 50009 A5.0 ★Texas Ratio: 10.18% |
Conventional, VA, Jumbo, HELOC | 34 +2 HELOCs |
4.5% | 92.3% | $222,058 | View |
|
212 E Lincoln Way, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 18 +12 HELOCs |
2.4% | 90% | $261,666 | View |
|
2510 SW State St, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 4.74% |
Conventional, Jumbo, HELOC | 17 +17 HELOCs |
2.3% | 100% | $270,294 | View |
|
2701 Stange Rd, Ames, IA 50010 A5.0 ★Texas Ratio: 7.43% |
Conventional, Jumbo | 9 | 1.2% | 100% | $397,222 | View |
|
520 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 10.53% |
Conventional, HELOC | 8 +9 HELOCs |
1.1% | 100% | $123,750 | View |
|
16390 Holcomb Ct, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 6 | 0.8% | 100% | $270,000 | View |
|
804 Greenwood Hills Dr, Adel, IA 50003 A+5.0 ★Texas Ratio: 1.17% |
Conventional | 5 | 0.7% | 100% | $201,000 | View |
|
1370 Nw 18th St Ste 101, Ankeny, IA 50023 B4.5 ★Texas Ratio: 21.01% |
Conventional | 5 | 0.7% | 100% | $335,000 | View |
|
218 Main St, Beaman, IA 50609 A+5.0 ★Texas Ratio: 2.65% |
Conventional | 4 | 0.5% | 100% | $230,000 | View |
|
515 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 3 | 0.4% | 100% | $245,000 | View |
|
251 Reed St, Akron, IA 51001 A+5.0 ★Texas Ratio: 1.49% |
Conventional | 3 | 0.4% | 100% | $301,666 | View |
|
650 Main St, Ackley, IA 50601 A+5.0 ★Texas Ratio: 3.49% |
Conventional | 3 | 0.4% | 100% | $318,333 | View |
|
123 W 4th St, Cedar Falls, IA 50613 2831 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 3 | 0.4% | 100% | $181,666 | View |
|
602 Main St, Cedar Falls, IA 50613 A5.0 ★Texas Ratio: 8.81% |
Conventional | 2 | 0.3% | 100% | $245,000 | View |
|
205 Water St, Cambridge, IA 50046 A5.0 ★Texas Ratio: 7.99% |
Conventional | 2 | 0.3% | 100% | $330,000 | View |
|
419 Sherman Ave, Ackley, IA 50601 A+5.0 ★Texas Ratio: 0.33% |
Conventional | 2 | 0.3% | 100% | $320,000 | View |
|
420 8th St Se, Altoona, IA 50009 A5.0 ★Texas Ratio: 12.73% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $165,000 | View |
|
5908 Winterberry Dr, Cedar Falls, IA 50613 B4.6 ★Texas Ratio: 20.10% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $35,000 | View |
|
801 E Main St, Lamoni, IA 50140 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
|
2805 N Ankeny Blvd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 2.72% |
VA | 1 | 0.1% | 100% | $345,000 | View |
|
1012 N Us Highway 71, Carroll, IA 51401 A-5.0 ★Texas Ratio: 15.31% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
|
100 S Main St, George, IA 51237 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
|
4303 Fleur Dr, Des Moines, IA 50321 2327 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
|
2701 Stange Rd, Ames, IA 50010 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
|
200 8th St Se, Altoona, IA 50009 A+5.0 ★Texas Ratio: 1.22% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
|
134 Main St, Columbus Junction, IA 52738 A+5.0 ★Texas Ratio: 5.66% |
Conventional | 1 | 0.1% | 100% | $755,000 | View |
|
337 N Roosevelt Ave, Burlington, IA 52601 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
|
240 3rd Ave Se, Cedar Rapids, IA 52401 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
|
100 Ne Jacob St, Grimes, IA 50111 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
|
2720 Gateway Dr, Carlisle, IA 50047 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
|
602 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
|
807 Rosedale Dr, Center Point, IA 52213 A5.0 ★Texas Ratio: 8.70% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
|
502 Broad St, Adair, IA 50002 A+5.0 ★Texas Ratio: 1.79% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
|
6804 University Ave, Cedar Falls, IA 50613 A5.0 ★Texas Ratio: 6.18% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
|
303 W Main St, Marshalltown, IA 50158 A+5.0 ★Texas Ratio: 3.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
2650 University Ave, Des Moines, IA 50311 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Iowa Bankers Mortgage Corporation
|
Conventional | 60 | 8% | 87.3% | $278,166 | |
Homeservices Lending LLC
|
Conventional | 3 | 0.4% | 100% | $231,666 | |
Midwestone Bank
|
Conventional | 2 | 0.3% | 100% | $265,000 | |
Contract Exchange Corporation
|
Conventional | 1 | 0.1% | 100% | $105,000 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 40 | 5.3% | 100% | $261,000 | |
American Pacific Mortgage Corporation
|
Conventional, FHA, VA | 27 | 3.6% | 100% | $246,111 | |
Rocket Mortgage
|
Conventional, FHA, VA | 23 | 3.1% | 95.8% | $228,913 | |
|
A+5.0 ★Texas Ratio: 1.69% |
Conventional | 21 | 2.8% | 95.5% | $327,380 | View |
New American Funding, LLC.
|
Conventional, FHA, VA | 16 | 2.1% | 100% | $225,625 | |
Mortgage Research Center
|
VA | 7 | 0.9% | 87.5% | $335,000 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
0.8% | 100% | $195,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 5 | 0.7% | 100% | $407,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 5 | 0.7% | 75% | $339,000 | |
Fairway Independent Mort Corp
|
Conventional | 5 | 0.7% | 100% | $337,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.5% | 100% | $355,000 | View |
Lower, LLC
|
Conventional, FHA | 4 | 0.5% | 80% | $235,000 | |
Navy Federal Credit Union
|
Conventional, VA | 4 | 0.5% | 83.3% | $200,000 | |
|
A5.0 ★Texas Ratio: 7.16% |
Conventional | 3 | 0.4% | 100% | $385,000 | View |
Newrez LLC
|
Conventional, FHA | 3 | 0.4% | 75% | $291,666 | |
Cardinal Financial Company, Li
|
Conventional, FHA | 3 | 0.4% | 100% | $255,000 | |
Land Home Financial Services,
|
Conventional, FHA | 3 | 0.4% | 100% | $241,666 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 3 | 0.4% | 100% | $225,000 | |
I H Mississippi Valley Credit Union
|
Conventional | 3 | 0.4% | 100% | $315,000 | |
Plaza Home Mortgage, Inc
|
Conventional, FHA | 3 | 0.4% | 100% | $211,666 | |
Envoy Mortgage, Ltd
|
FHA, VA | 2 | 0.3% | 100% | $250,000 | |
CrossCountry Mortgage, LLC
|
FHA, VA | 2 | 0.3% | 100% | $215,000 | |
loanDepot.com LLC
|
Conventional | 2 | 0.3% | 50% | $260,000 | |
Movement Mortgage, LLC
|
Conventional, VA | 2 | 0.3% | 100% | $265,000 | |
Amerisave Mortgage Company
|
FHA, VA | 2 | 0.3% | 28.6% | $245,000 | |
Baxter Credit Union
|
Conventional | 2 | 0.3% | 100% | $295,000 | |
Nationstar Mortgage
|
Conventional, FHA | 2 | 0.3% | 66.7% | $215,000 | |
|
A+5.0 ★Texas Ratio: 5.75% |
Conventional | 2 | 0.3% | 100% | $275,000 | |
|
C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 0.3% | 66.7% | $55,000 | View |
Tomo Mortgage LLC
|
Conventional | 2 | 0.3% | 100% | $270,000 | |
Cmg Mortgage Inc
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $185,000 | |
Arc Home LLC
|
Conventional | 1 | 0.1% | 100% | $195,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $595,000 | View |
Royal United Mortgage LLC
|
Conventional | 1 | 0.1% | 100% | $65,000 | |
Equity Prime Mortgage LLC
|
VA | 1 | 0.1% | 100% | $385,000 | |
Norwich Commercial Group Inc
|
VA | 1 | 0.1% | 100% | $295,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 100% | $255,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $185,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.1% | 100% | $85,000 | |
|
A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
First State Bank of St Charles
|
Conventional | 1 | 0.1% | 100% | $405,000 | |
|
A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
Frontier Financial, Inc. DBA Frontier Mortgage
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
Chevron Federal Credit Union
|
Conventional | 1 | 0.1% | 100% | $415,000 | |
Securityplus FCU
|
Conventional | 1 | 0.1% | 100% | $275,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $205,000 | |
|
A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
Homebank
|
Conventional | 1 | 0.1% | 100% | $175,000 | |
Stockton Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $155,000 | |
|
A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.1% | 50% | $165,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.1% | 100% | $195,000 | |
|
A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
|
★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Compass Mortgage, Inc.
|
FHA | 1 | 0.1% | 100% | $355,000 | |
21St Mortgage
|
Conventional | 1 | 0.1% | 20% | $45,000 | |
Tradition Mortgage, LLC
|
VA | 1 | 0.1% | 100% | $225,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 100% | $355,000 | View |
Spring Eq, LLC
|
Conventional | 1 | 0.1% | 50% | $95,000 | |
Gershman Investment Corp.
|
Conventional | 1 | 0.1% | 50% | $185,000 | |
|
A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
Figure Lending LLC
|
HELOC | 0 +6 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Daily average mortgage rates for Iowa compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Ames? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ames in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Ames, IA lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 33.3 percent of home loans in Ames, Iowa in 2025, banks 39.9 percent and credit unions 26.8 percent. Iowa Bankers Mortgage Corporation was the largest mortgage company, First National Bank Ames Iowa the largest bank and Greater Iowa Credit Union the largest credit union. Among lenders headquartered in Iowa, Greater Iowa Credit Union led with 83 loans.
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Iowa. State real estate transfer tax of $1.60 per $1,000 of consideration above the first $500, paid by the seller; no mortgage recording tax.
By home loans closed in 2025, Greater Iowa Credit Union was the largest mortgage lender in Ames, Iowa with 83 loans, about 11.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ames, Iowa, Greater Iowa Credit Union approved the highest share of completed applications in 2025 at 91.4 percent, against a 92 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Ames, Iowa in 2025, led by American Pacific Mortgage Corporation with 5. 20 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 59 banks and 18 credit unions closed home loans in Ames, Iowa in 2025, alongside 47 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ames, Iowa during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ames, Iowa for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ames. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.