Mortgage Lenders and Brokers in Cedar Falls, Iowa
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cedar Falls, Iowa mortgage lenders include Farmers State BankFarmers State Bank515 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 0.10%, Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA 50613 2831A+5.0 ★Texas Ratio: 3.82%, First BankFirst Bank602 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 3.43%, BankiowaBankiowa6804 University Ave, Cedar Falls, IA 50613A5.0 ★Texas Ratio: 6.18%, US Bank, N.A.US Bank, N.A.222 Washington St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA6609 University Ave, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 5.36%, Regions BankRegions Bank4417 University Ave, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 4.37%, First Interstate BankFirst Interstate Bank205 W 2nd St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 4.72%, Cedar Rapids Bank and TrustCedar Rapids Bank and Trust2322 W 1st St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 2.24%, and Lincoln Savings BankLincoln Savings Bank225 Viking Rd, Cedar Falls, IA 50613D3.5 ★Texas Ratio: 33.42%. 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 Cedar Falls, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cedar Falls 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 Cedar Falls, Iowa
Market share is the lender's share of all home loans closed in Cedar Falls, 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 |
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1 office in Cedar Falls 515 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 49 | 5.6% | 96.7% | $225,408 | View |
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123 W 4th St, Cedar Falls, IA 50613 2831 A+5.0 ★Texas Ratio: 3.82% |
Conventional, HELOC | 46 +2 HELOCs |
5.2% | 95.8% | $94,130 | View |
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1 office in Cedar Falls 602 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 3.43% |
Conventional, Jumbo | 36 | 4.1% | 100% | $208,333 | View |
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1 office in Cedar Falls 6804 University Ave, Cedar Falls, IA 50613 A5.0 ★Texas Ratio: 6.18% |
Conventional | 9 | 1% | 100% | $172,777 | View |
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1 office in Cedar Falls 222 Washington St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 7 +8 HELOCs |
0.8% | 77.8% | $206,428 | View |
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1 office in Cedar Falls 6609 University Ave, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.6% | 100% | $219,000 | View |
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1 office in Cedar Falls 4417 University Ave, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $45,000 | View |
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★ 1 stars, 1 review 1 office in Cedar Falls 205 W 2nd St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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1 office in Cedar Falls 2322 W 1st St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 2.24% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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1 office in Cedar Falls 225 Viking Rd, Cedar Falls, IA 50613 D3.5 ★Texas Ratio: 33.42% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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6301 University Ave, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 4.74% |
Conventional, VA, Jumbo, HELOC | 278 +155 HELOCs |
31.7% | 96% | $224,640 | View |
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3409 Cedar Heights Dr, Cedar Falls, IA 50613 A5.0 ★Texas Ratio: 10.18% |
Conventional, FHA, VA, HELOC | 238 +53 HELOCs |
27.1% | 96.1% | $223,655 | View |
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1022 Skylar St, Denver, IA 50622 A+5.0 ★Texas Ratio: 0.67% |
Conventional | 16 | 1.8% | 100% | $216,250 | View |
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126 Brandilynn Blvd, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 10 +12 HELOCs |
1.1% | 100% | $245,000 | View |
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107 S Garnavillo St, Anamosa, IA 52205 A5.0 ★Texas Ratio: 12.05% |
Conventional | 6 | 0.7% | 100% | $278,333 | View |
Peoples Savings Bank
33149 159th Street, Ackley, IA 50601 |
Conventional | 6 | 0.7% | 100% | $160,000 | |
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5908 Winterberry Dr, Cedar Falls, IA 50613 B4.6 ★Texas Ratio: 20.10% |
Conventional, HELOC | 5 +1 HELOCs |
0.6% | 100% | $171,000 | View |
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650 Main St, Ackley, IA 50601 A+5.0 ★Texas Ratio: 3.49% |
Conventional | 3 | 0.3% | 100% | $238,333 | View |
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1407 S Grand Ave, Charles City, IA 50616 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.2% | 100% | $105,000 | View |
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435 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $425,000 | View |
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300 1st Ave N, Clear Lake, IA 50428 A+5.0 ★Texas Ratio: 5.80% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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2805 N Ankeny Blvd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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251 Reed St, Akron, IA 51001 A+5.0 ★Texas Ratio: 1.49% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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520 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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202 S Main St, Alta, IA 51002 A+5.0 ★Texas Ratio: 1.70% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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4303 Fleur Dr, Des Moines, IA 50321 2327 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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134 Main St, Columbus Junction, IA 52738 A+5.0 ★Texas Ratio: 5.66% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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1420 S Clinton St, Albia, IA 52531 2636 B4.4 ★Texas Ratio: 22.12% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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240 3rd Ave Se, Cedar Rapids, IA 52401 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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2709 Northridge Pkwy, Ames, IA 50010 A5.0 ★Texas Ratio: 11.68% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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100 E Railroad St, Afton, IA 50830 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $415,000 | View |
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1370 Nw 18th St Ste 101, Ankeny, IA 50023 B4.5 ★Texas Ratio: 21.01% |
Conventional | 1 | 0.1% | 100% | $845,000 | View |
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328 Main St, Elma, IA 50628 A+5.0 ★Texas Ratio: 3.08% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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525 Main St, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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814 4th Ave, Grinnell, IA 50112 A-5.0 ★Texas Ratio: 14.50% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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16390 Holcomb Ct, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Ohnward Bank and Trust
4726 50th Ave, Baldwin, IA 52207 |
Conventional | 1 | 0.1% | 100% | $105,000 | |
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818 8th st SW, Altoona, IA 50009 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Iowa Bankers Mortgage Corporation
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Conventional | 5 | 0.6% | 100% | $353,000 | |
Midwestone Bank
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Conventional, HELOC | 2 +6 HELOCs |
0.2% | 100% | $380,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 23 +10 HELOCs |
2.6% | 95.8% | $265,869 | |
Guild Mortgage Company
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Conventional, FHA, VA | 12 | 1.4% | 100% | $280,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 10 | 1.1% | 71.4% | $242,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 9 | 1% | 100% | $288,333 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 0.9% | 90% | $163,750 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.8% | 100% | $245,000 | |
Mortgage Research Center
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VA | 7 | 0.8% | 77.8% | $277,857 | |
21St Mortgage
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Conventional | 5 | 0.6% | 16.1% | $41,000 | |
Spring Eq, LLC
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Conventional | 4 | 0.5% | 80% | $67,500 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $418,333 | |
Amerisave Mortgage Company
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Conventional | 3 | 0.3% | 100% | $41,666 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 0.3% | 100% | $138,333 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 0.3% | 75% | $141,666 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 0.2% | 66.7% | $235,000 | |
American Financing Corporation
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Conventional, FHA | 2 | 0.2% | 75% | $135,000 | |
Land Home Financial Services,
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Conventional, VA | 2 | 0.2% | 100% | $365,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.2% | 100% | $440,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.2% | 60% | $280,000 | |
Baxter Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $225,000 | |
Navy Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
Zippy Loans, LLC
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Conventional | 1 | 0.1% | 100% | $15,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.1% | 50% | $445,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $345,000 | |
Usalliance Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Valon Mortgage
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Justice Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $195,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 50% | $155,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 25% | $495,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.99% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 0.1% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
Lower, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Blaze Credit Union
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.1% | 100% | $155,000 | |
Thrivent Bank
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.1% | 100% | $325,000 | View |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cedar Falls Mortgage Rate Trends
Daily average mortgage rates for Iowa compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cedar Falls, Iowa
Looking for mortgage lenders near me or mortgage brokers near me in Cedar Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cedar Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cedar Falls, IA
Use these to narrow the list above. Each category shows how many Cedar Falls, IA lenders fit and what that kind of lender is usually best for.
Who Lends in Cedar Falls, IA
Independent mortgage companies closed 10.8 percent of home loans in Cedar Falls, Iowa in 2025, banks 19.9 percent and credit unions 69.2 percent. Iowa Bankers Mortgage Corporation was the largest mortgage company, Farmers State Bank the largest bank and Cedar Falls Community Credit Union the largest credit union. Among lenders headquartered in Iowa, Farmers State Bank led with 49 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 Cedar Falls, IA
By home loans closed in 2025, Farmers State Bank was the largest mortgage lender in Cedar Falls, Iowa with 49 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cedar Falls, Iowa, Greenstate Credit Union approved the highest share of completed applications in 2025 at 96.1 percent, against a 92.4 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.
14 lenders closed FHA loans in Cedar Falls, Iowa in 2025, led by Rocket Mortgage with 6. 12 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. 37 banks and 15 credit unions closed home loans in Cedar Falls, Iowa in 2025, alongside 34 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 Cedar Falls, 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 Cedar Falls, 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 Cedar Falls. 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.
