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Mortgage Lenders and Brokers in Ames, Iowa

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.

Mortgage Lenders and Brokers in Ames, Iowa

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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
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
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Ames, Iowa

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.

Types of Mortgage Lenders in Ames, IA

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.

Who Lends in Ames, IA

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.

33.3%
Mortgage companies
39.9%
Banks
26.8%
Credit unions
4%
FHA loans
5%
VA loans

How to Read This List

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.

More Iowa Mortgage Lender Pages

Frequently Asked Questions About Mortgage Lenders in Ames, IA

Who is the largest mortgage lender in Ames, IA?

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.

Which mortgage lenders in Ames, IA have the highest approval rates?

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.

Which Ames, IA mortgage lenders offer FHA, VA and USDA loans?

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.

Are credit unions and local banks included in this Ames, IA lender list?

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.

How are mortgage lenders in Ames, IA ranked on this page?

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.

Methodology and Sources

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.