☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Iowa / Des Moines

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Des Moines, Iowa

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Des Moines, Iowa mortgage lenders include Bankers Trust CompanyBankers Trust Company717 7th St, Des Moines, IA 50309A+5.0 ★Texas Ratio: 2.48%, US Bank, N.A.US Bank, N.A.115 E Euclid Ave, Des Moines, IA 50313A+5.0 ★Texas Ratio: 2.85%, Central BankCentral Bank3455 Ingersoll Ave, Des Moines, IA 50312A+5.0 ★Texas Ratio: 2.72%, Wells Fargo Bank NAWells Fargo Bank NA115 7th Street, Des Moines, IA 50309A+5.0 ★Texas Ratio: 5.36%, Community State BankCommunity State Bank1401 E Euclid Ave, Des Moines, IA 50316A+5.0 ★Texas Ratio: 1.22%, Premier Credit UnionPremier Credit Union800 9th St, Des Moines, IA 50309A5.0 ★Texas Ratio: 10.53%, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA 50314 3403A+5.0 ★Texas Ratio: 3.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3101 Ingersoll Ave, Des Moines, IA 50312A+5.0 ★Texas Ratio: 3.68%, Iowa State BankIowa State Bank6410 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 0.00%, and Midwest Heritage Bank FSBMidwest Heritage Bank FSB4605 Fleur Dr, Des Moines, IA 50321A5.0 ★Texas Ratio: 9.76%. 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 Des Moines, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Des Moines 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 Des Moines, Iowa

Market share is the lender's share of all home loans closed in Des Moines, 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
Bankers Trust Company 8 offices in Des Moines 717 7th St, Des Moines, IA 50309 A+5.0 ★Texas Ratio: 2.48%	Conventional, Jumbo, HELOC	85 +33 HELOCs	2%	91.6%	$247,588	View
US Bank, N.A. 6 offices in Des Moines 115 E Euclid Ave, Des Moines, IA 50313 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	63 +37 HELOCs	1.5%	68.8%	$183,730	View
Central Bank 2 offices in Des Moines 3455 Ingersoll Ave, Des Moines, IA 50312 A+5.0 ★Texas Ratio: 2.72%	Conventional, FHA, VA, HELOC	57 +8 HELOCs	1.3%	93.4%	$210,087	View
Wells Fargo Bank NA 4 offices in Des Moines 115 7th Street, Des Moines, IA 50309 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	50	1.2%	75.8%	$150,800	View
Community State Bank 3 offices in Des Moines 1401 E Euclid Ave, Des Moines, IA 50316 A+5.0 ★Texas Ratio: 1.22%	Conventional	36	0.8%	100%	$95,277	View
Premier Credit Union 800 9th St, Des Moines, IA 50309 A5.0 ★Texas Ratio: 10.53%	Conventional, HELOC	32 +69 HELOCs	0.7%	100%	$116,875	View
Journey Credit Union 1400 2nd Ave, Des Moines, IA 50314 3403 A+5.0 ★Texas Ratio: 3.72%	Conventional	29	0.7%	93.5%	$72,241	View
JPMorgan Chase Bank, NA 3 offices in Des Moines 3101 Ingersoll Ave, Des Moines, IA 50312 A+5.0 ★Texas Ratio: 3.68%	Conventional	25	0.6%	92.9%	$213,400	View
Iowa State Bank 2 offices in Des Moines 6410 Sw 9th St, Des Moines, IA 50315 A+5.0 ★Texas Ratio: 0.00%	Conventional	23	0.5%	92%	$151,521	View
Midwest Heritage Bank FSB 1 office in Des Moines 4605 Fleur Dr, Des Moines, IA 50321 A5.0 ★Texas Ratio: 9.76%	Conventional	10	0.2%	66.7%	$191,000	View
BMO Harris Bank NA 2 offices in Des Moines 2596 Hubbell Ave, Des Moines, IA 50317 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, VA, HELOC	9 +26 HELOCs	0.2%	52.9%	$199,444	View
Bank of America NA 2 offices in Des Moines 2650 University Ave, Des Moines, IA 50311 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	9 +18 HELOCs	0.2%	90%	$168,333	View
Serve Credit Union 423 E Court Ave, Des Moines, IA 50309 2010 A+5.0 ★Texas Ratio: 3.05%	Conventional, HELOC	4 +3 HELOCs	0.1%	100%	$45,000	View
First Interstate Bank ★ 1 stars, 1 review 1 office in Des Moines 1347 E Euclid Ave, Des Moines, IA 50316 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	4 +2 HELOCs	0.1%	80%	$177,500	View
Twin Cedars Bank 1 office in Des Moines 2222 Grand Avenue, Des Moines, IA 50312 D3.5 ★Texas Ratio: 32.68%	Conventional	4	0.1%	100%	$140,000	View
Lincoln Savings Bank 1 office in Des Moines 1922 Ingersoll Ave, Des Moines, IA 50309 D3.5 ★Texas Ratio: 33.42%	Conventional	1	0%	100%	$455,000	View
Greenstate Credit Union 2805 Beaver Ave, Des Moines, IA 50310 4039 A5.0 ★Texas Ratio: 10.18%	Conventional, FHA, VA, HELOC	512 +104 HELOCs	11.9%	90.1%	$169,707	View
Veridian Credit Union 3221 SE 14th St, Des Moines, IA 50320 A+5.0 ★Texas Ratio: 4.74%	Conventional, VA, HELOC	313 +283 HELOCs	7.3%	84.4%	$145,223	View
Community Choice Credit Union 700 Lyon st, Des Moines, IA 50309 5457 A+5.0 ★Texas Ratio: 3.41%	Conventional, FHA, VA, HELOC	184 +143 HELOCs	4.3%	91.5%	$196,630	View
Greater Iowa Credit Union 600 E 30th St, Des Moines, IA 50317 2406 A5.0 ★Texas Ratio: 8.43%	Conventional	128	3%	66.8%	$85,546	View
Fidelity Bank 205 Water St, Cambridge, IA 50046 A5.0 ★Texas Ratio: 7.99%	Conventional, FHA, VA	69	1.6%	97.3%	$181,666	View
Financial Plus Credit Union 4303 Fleur Dr, Des Moines, IA 50321 2327 A+5.0 ★Texas Ratio: 4.80%	Conventional, HELOC	66 +1 HELOCs	1.5%	91.8%	$74,393	View
Northwest Bank 100 E Railroad St, Afton, IA 50830 A+5.0 ★Texas Ratio: 1.69%	Conventional, FHA, VA, HELOC	53 +11 HELOCs	1.2%	96.5%	$241,603	View
Raccoon Valley Bank 1009 Court St, Adel, IA 50003 A5.0 ★Texas Ratio: 6.14%	Conventional	39	0.9%	93.3%	$128,846	View
Collins Community Credit Union 601 E Court Ave, Des Moines, IA 50309 B4.6 ★Texas Ratio: 20.10%	Conventional, HELOC	33 +14 HELOCs	0.8%	58.9%	$116,515	View
Luana Savings Bank 16390 Holcomb Ct, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.00%	Conventional	32	0.7%	97%	$208,437	View
Peoples Bank 804 Greenwood Hills Dr, Adel, IA 50003 A+5.0 ★Texas Ratio: 1.17%	Conventional	23	0.5%	88.5%	$238,913	View
Bank Iowa 420 8th St Se, Altoona, IA 50009 A5.0 ★Texas Ratio: 12.73%	Conventional, HELOC	19 +3 HELOCs	0.4%	100%	$227,105	View
Bank 1403 S Rooselvelt, Burlington, IA 52601 A+5.0 ★Texas Ratio: 5.26%	Conventional	19	0.4%	86.4%	$193,947	View
First State Bank 129 E Main St, Agency, IA 52530 A+5.0 ★Texas Ratio: 1.47%	Conventional	18	0.4%	100%	$123,333	View
Availa Bank 1530 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 1.89%	Conventional	11	0.3%	100%	$143,181	View
Earlham Savings Bank 1107 Keosauqua Way, Des Moines, IA 50309 A+5.0 ★Texas Ratio: 5.57%	Conventional	11	0.3%	75%	$215,909	View
VisionBank of Iowa 502 8th St Sw, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.93%	Conventional	11	0.3%	84.6%	$187,727	View
City State Bank 100 Ne Jacob St, Grimes, IA 50111 A+5.0 ★Texas Ratio: 2.18%	Conventional	10	0.2%	100%	$131,000	View
State Savings Bank 201 207 Main Street, Baxter, IA 50028 A5.0 ★Texas Ratio: 9.50%	Conventional	10	0.2%	90.9%	$174,000	View
Dupaco Community Credit Union 5865 Saratoga Rd, Asbury, IA 52002 A+5.0 ★Texas Ratio: 3.87%	Conventional, HELOC	8 +8 HELOCs	0.2%	88.9%	$240,000	View
Central State Bank 2709 Northridge Pkwy, Ames, IA 50010 A5.0 ★Texas Ratio: 11.68%	Conventional, Jumbo	8	0.2%	100%	$283,750	View
First National Bank Ames Iowa 2406 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 8.87%	Conventional	8	0.2%	88.9%	$162,500	View
Union State Bank 160 E Garfield St, Truro, IA 50257 A+5.0 ★Texas Ratio: 0.00%	Conventional	7	0.2%	100%	$137,857	View
Hills Bank and Trust Company 240 3rd Ave Se, Cedar Rapids, IA 52401 A+5.0 ★Texas Ratio: 2.40%	Conventional, HELOC	5 +1 HELOCs	0.1%	100%	$199,000	View
South Story Bank & Trust 2701 Stange Rd, Ames, IA 50010 A5.0 ★Texas Ratio: 7.43%	Conventional	5	0.1%	100%	$239,000	View
Home State Bank 1370 Nw 18th St Ste 101, Ankeny, IA 50023 B4.5 ★Texas Ratio: 21.01%	Conventional	4	0.1%	80%	$157,500	View
Grinnell State Bank 814 4th Ave, Grinnell, IA 50112 A-5.0 ★Texas Ratio: 14.50%	Conventional	4	0.1%	100%	$72,500	View
Farmers State Bank 515 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 0.10%	Conventional	3	0.1%	100%	$168,333	View
Peoples Savings Bank 2720 Gateway Dr, Carlisle, IA 50047 A5.0 ★Texas Ratio: 7.57%	Conventional, Jumbo	3	0.1%	100%	$391,666	View
American State Bank 801 E Main St, Lamoni, IA 50140 A+5.0 ★Texas Ratio: 0.26%	Conventional	2	0%	100%	$155,000	View
The Security National Bank of Sioux City, Iowa 251 Reed St, Akron, IA 51001 A+5.0 ★Texas Ratio: 1.49%	Conventional	2	0%	100%	$165,000	View
Charter Bank 2905 Sw Oralabor Rd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0%	100%	$130,000	View
Great Southern Bank 2701 Stange Rd, Ames, IA 50010 A+5.0 ★Texas Ratio: 1.55%	Conventional, FHA	2	0%	66.7%	$135,000	View
Washington State Bank 134 Main St, Columbus Junction, IA 52738 A+5.0 ★Texas Ratio: 5.66%	Conventional	2	0%	100%	$130,000	View
First Bank 602 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 3.43%	Conventional	2	0%	100%	$225,000	View
Keystone Savings Bank 807 Rosedale Dr, Center Point, IA 52213 A5.0 ★Texas Ratio: 8.70%	Conventional	2	0%	100%	$80,000	View
Cedar Falls Community Credit Union 123 W 4th St, Cedar Falls, IA 50613 2831 A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0%	100%	$115,000	View
First National Bank of Omaha 2421 W Broadway, Council Bluffs, IA 51501 A+5.0 ★Texas Ratio: 4.82%	Conventional	2	0%	100%	$160,000	View
Regions Bank 4417 University Ave, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	1 +6 HELOCs	0%	66.7%	$195,000	View
Community 1st Credit Union 1420 S Clinton St, Albia, IA 52531 2636 B4.4 ★Texas Ratio: 22.12%	Conventional, HELOC	1 +2 HELOCs	0%	40%	$135,000	View
Mount Vernon Bank and Trust Company 116 Third Avenue South, Mount Vernon, IA 52314 A+5.0 ★Texas Ratio: 1.29%	Conventional	1	0%	100%	$15,000	View
Iowa Trust & Savings Bank 12035 University Ave Ste 202, Clive, IA 50325 A+5.0 ★Texas Ratio: 5.69%	Conventional	1	0%	100%	$355,000	View
Community Savings Bank 100 1st Ave Ne, Cedar Rapids, IA 52401 A5.0 ★Texas Ratio: 6.98%	Conventional	1	0%	100%	$5,000	View
Houghton State Bank 103 Main St, Cumberland, IA 50843 A5.0 ★Texas Ratio: 8.40%	Conventional	1	0%	100%	$115,000	View
Advantage Credit Union 121 W 3rd St N, Newton, IA 50208 3040 A5.0 ★Texas Ratio: 8.08%	Conventional	1	0%	100%	$165,000	View
Northeast Security Bank 106 E Main St, Decorah, IA 52101 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$305,000	View
Leighton State Bank 209 S Lincoln St, Knoxville, IA 50138 A+5.0 ★Texas Ratio: 5.11%	Conventional	1	0%	100%	$155,000	View
American State Bank 208 10th St, Alton, IA 51003 A+5.0 ★Texas Ratio: 5.50%	Conventional	1	0%	100%	$275,000	View
Farmers & Merchants State Bank 114 S Broad St, Orient, IA 50858 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$125,000	View
Farmers & Merchants Savings Bank 220 W Main St, Anamosa, IA 52205 A5.0 ★Texas Ratio: 9.19%	Conventional	1	0%	100%	$215,000	View
Cedar Rapids Bank and Trust 2322 W 1st St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 2.24%	Conventional	1	0%	100%	$95,000	View
Fidelity Bank & Trust 107 S Garnavillo St, Anamosa, IA 52205 A5.0 ★Texas Ratio: 12.05%	Conventional	1	0%	100%	$125,000	View
Kerndt Brothers Savings Bank 600 Boyson Rd Ne, Cedar Rapids, IA 52402 A+5.0 ★Texas Ratio: 3.50%	Conventional	1	0%	100%	$115,000	View
Gnb Bank 650 Main St, Ackley, IA 50601 A+5.0 ★Texas Ratio: 3.49%	Conventional	1	0%	100%	$205,000	View
Ascentra Credit Union 2019 Grant St, Bettendorf, IA 52722 A+5.0 ★Texas Ratio: 4.68%	Conventional	1	0%	100%	$35,000	View
AIM Credit Union 337 N Roosevelt Ave, Burlington, IA 52601 A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0%	100%	$95,000	View
Exchange State Bank 823 Wheeler St, Ames, IA 50010 A5.0 ★Texas Ratio: 7.82%	Conventional	1	0%	100%	$145,000	View
Shelby County State Bank 155 S Elm St, Avoca, IA 51521	Conventional	1	0%	100%	$125,000
MEMBERS1st Community Credit Union 423 Main St, Ames, IA 50010 A5.0 ★Texas Ratio: 6.02%	Conventional	1	0%	100%	$75,000	View
Farmers State Bank 117 N Main Ave, Alburnett, IA 52202 A+5.0 ★Texas Ratio: 1.19%	Conventional	1	0%	100%	$205,000	View
First State Bank 129 E Main St, Agency, IA 52530	Conventional	1	0%	100%	$165,000
Corda Credit Union 3330 Mount Vernon Rd SE, Cedar Rapids, IA 52402 A+5.0 ★Texas Ratio: 5.64%	Conventional	1	0%	100%	$25,000	View
Homeservices Lending LLC	Conventional, FHA, VA	103	2.4%	97.2%	$210,825
Iowa Bankers Mortgage Corporation	Conventional, FHA, VA	78	1.8%	90.7%	$206,025
549300K04Zgwyv7Ldx511190891	Conventional, HELOC	17 +9 HELOCs	0.4%	54.8%	$82,058
Contract Exchange Corporation	Conventional	11	0.3%	100%	$149,545
Midwestone Bank	Conventional, HELOC	6 +4 HELOCs	0.1%	100%	$205,000
Residential Mortgage Network, Inc.	Conventional	3	0.1%	100%	$181,666
Two Rivers Bank & Trust	Conventional	2	0%	66.7%	$125,000
Rocket Mortgage	Conventional, FHA, VA	193	4.5%	74.6%	$154,792
New American Funding, LLC.	Conventional, FHA, VA, HELOC	187 +2 HELOCs	4.3%	91.7%	$146,818
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	129 +3 HELOCs	3%	88.4%	$160,116
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	121	2.8%	86.2%	$227,066
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, VA	84	1.9%	82.5%	$199,285	View
Gershman Investment Corp.	Conventional, FHA, VA	65	1.5%	91.5%	$206,230
American Pacific Mortgage Corporation	Conventional, FHA	64	1.5%	75.3%	$139,062
Land Home Financial Services,	Conventional, FHA, VA	62	1.4%	93.2%	$197,258
Compass Mortgage, Inc.	Conventional, FHA	54	1.3%	98.2%	$200,555
Fairway Independent Mort Corp	Conventional, FHA, VA	54	1.3%	100%	$184,814
Pennymac Loan Services LLC	Conventional, FHA, VA	53	1.2%	78.3%	$158,396
Plaza Home Mortgage, Inc	Conventional, FHA, VA	50	1.2%	82%	$192,200
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	48 +1 HELOCs	1.1%	94.6%	$137,500
Guild Mortgage Company	Conventional, FHA, VA	48	1.1%	98.2%	$196,666
Mortgage Research Center	Conventional, FHA, VA	47	1.1%	82.8%	$220,106
Lower, LLC	Conventional, FHA, VA	42	1%	91.5%	$222,857
DHI Mortgage Company, LTD.	Conventional, FHA, VA	41	0.9%	71.9%	$323,048
Marine Credit Union	Conventional, HELOC	39 +4 HELOCs	0.9%	56.1%	$121,923
Frontier Financial, Inc. DBA Frontier Mortgage	Conventional, FHA	39	0.9%	100%	$193,974
Freedom Mortgage Corporation A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	38	0.9%	82%	$196,578	View
Newrez LLC	Conventional, FHA, VA	37	0.9%	57.4%	$191,486
Nationstar Mortgage	Conventional, FHA	35	0.8%	79.5%	$133,000
First Community Mortgage, Inc. A5.0 ★Texas Ratio: 7.16%	Conventional, FHA, VA	31	0.7%	97%	$206,290	View
Movement Mortgage, LLC	Conventional, FHA, HELOC	27 +1 HELOCs	0.6%	85.7%	$127,592
Stockton Mortgage Corporation	Conventional, FHA, VA	26	0.6%	96.3%	$196,538
loanDepot.com LLC	Conventional, FHA, VA, HELOC	25 +6 HELOCs	0.6%	60.5%	$140,600
Envoy Mortgage, Ltd	Conventional, FHA, VA	23	0.5%	95.8%	$212,826
Amerisave Mortgage Company	Conventional, FHA	16	0.4%	20.7%	$89,375
Cardinal Financial Company, Li	Conventional, FHA	16	0.4%	100%	$145,000
West Gate Bank A+5.0 ★Texas Ratio: 1.69%	Conventional	15	0.3%	100%	$226,333	View
Charter West Bank A+5.0 ★Texas Ratio: 2.29%	Conventional, FHA, VA	15	0.3%	88.2%	$203,666	View
21St Mortgage	Conventional	14	0.3%	25.8%	$61,428
Empeople Credit Union A+5.0 ★Texas Ratio: 5.75%	Conventional, HELOC	13 +8 HELOCs	0.3%	72.2%	$174,230
Carrington Mortgage Services LLC	Conventional, FHA, VA	12	0.3%	53.8%	$153,333
New Day Financial, LLC.	VA	11	0.3%	42.3%	$178,636
Zillow Home Loans, LLC	Conventional, FHA	10	0.2%	83.3%	$175,000
Navy Federal Credit Union	Conventional, VA, HELOC	9 +1 HELOCs	0.2%	56.2%	$231,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	9	0.2%	90%	$142,777	View
Royal United Mortgage LLC	Conventional, FHA	8	0.2%	100%	$138,750
AmeriHome Mortgage Company, LLC	Conventional, FHA	8	0.2%	88.9%	$245,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	8	0.2%	60%	$160,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	8	0.2%	100%	$277,500	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	8	0.2%	100%	$183,750	View
Click n' Close, Inc.	Conventional, FHA	7	0.2%	100%	$107,857
Endeavor Capital, LLC	Conventional, FHA	7	0.2%	100%	$185,000
Spring Eq, LLC	Conventional, HELOC	6 +2 HELOCs	0.1%	37.5%	$85,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	6	0.1%	100%	$210,000
Kind Lending, LLC	Conventional, FHA	5	0.1%	100%	$209,000
Cornerstone First Mortgage, LLC	Conventional	4	0.1%	100%	$265,000
American Financial Resources LLC	Conventional, FHA, VA	4	0.1%	100%	$210,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	4	0.1%	100%	$227,500	View
AdvantageFirst Lending Inc	FHA, VA	4	0.1%	57.1%	$265,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.1%	62.5%	$180,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA	4	0.1%	100%	$232,500	View
Paramount Residential Mortgage	Conventional, FHA	4	0.1%	100%	$202,500
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	3	0.1%	100%	$298,333	View
Zippy Loans, LLC	Conventional	3	0.1%	60%	$61,666
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	3	0.1%	100%	$281,666	View
Equity Prime Mortgage LLC	FHA, VA	3	0.1%	50%	$198,333
Michigan Mutual, Inc	Conventional, FHA	3	0.1%	75%	$285,000
Transportation Federal Credit Union	Conventional	3	0.1%	100%	$71,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.1%	75%	$291,666	View
Village Capital & Investment	VA	3	0.1%	66.7%	$215,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0%	40%	$120,000
Primelending	Conventional	2	0%	100%	$245,000
CrossCountry Mortgage, LLC	FHA, VA	2	0%	100%	$130,000
Loanunited.Com, LLC	FHA	2	0%	100%	$240,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0%	100%	$55,000
American Financing Corporation	FHA	2	0%	33.3%	$150,000
Flat Branch Mortgage, Inc.	Conventional, FHA	2	0%	100%	$270,000
Nfm, Inc	Conventional, FHA	2	0%	100%	$160,000
Planet Home Lending, LLC	FHA, VA	2	0%	66.7%	$335,000
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	2	0%	100%	$125,000	View
V.I.P. Mortgage, Inc. A+5.0 ★Texas Ratio: 4.99%	Conventional, FHA	2	0%	100%	$270,000	View
Right Start Mortgage, Inc	Conventional, FHA	2	0%	100%	$295,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0%	100%	$270,000	View
Nexera Holding LLC	Conventional	2	0%	100%	$155,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0%	100%	$195,000
The Loan Store, Inc	FHA, HELOC	1 +1 HELOCs	0%	100%	$215,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$165,000	View
Polaris Home Funding Corp.	FHA	1	0%	100%	$165,000
Everett Financial, Inc.	VA	1	0%	100%	$245,000
Lakeview Loan Servicing, LLC	FHA	1	0%	15.4%	$115,000
Nbkc Bank	VA	1	0%	100%	$245,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0%	50%	$165,000	View
Triad Financial Services, Inc.	Conventional	1	0%	28.6%	$95,000
PHH Mortgage Corporation	Conventional	1	0%	100%	$85,000
United Trust Bank	VA	1	0%	50%	$265,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	FHA	1	0%	100%	$245,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0%	50%	$265,000	View
HomeBridge Financial Services, Inc	VA	1	0%	50%	$305,000
Core Bank A+5.0 ★Texas Ratio: 0.26%	Conventional	1	0%	100%	$545,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$215,000
City 1st Mortgage Services, LC	FHA	1	0%	100%	$195,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$285,000	View
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 3.05%	FHA	1	0%	100%	$255,000	View
Total Mortgage Services, LLC	VA	1	0%	100%	$685,000
Chevron Federal Credit Union	Conventional	1	0%	100%	$685,000
Homeowners Financial Group, LLC	FHA	1	0%	100%	$165,000
Shoreham Bank	FHA	1	0%	100%	$25,000
Access Bank A+5.0 ★Texas Ratio: 3.62%	FHA	1	0%	100%	$235,000	View
Ruhl Mortgage LLC	Conventional	1	0%	100%	$295,000
Churchill Mortgage Corporation	FHA	1	0%	100%	$145,000
SouthStar Bank SSB ★ 5 stars, 1 review A5.0 ★Texas Ratio: 7.03%	Conventional	1	0%	100%	$65,000	View
Communityamerica Federal Credit Union	Conventional	1	0%	50%	$205,000
Beverly Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.57%	Conventional	1	0%	100%	$205,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$395,000	View
Andrews Federal Credit Union	Conventional	1	0%	100%	$175,000
Regional Missouri Bank A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0%	100%	$445,000	View
Mission Loans, LLC	Conventional	1	0%	100%	$55,000
Wings Financial Credit Union	Conventional	1	0%	100%	$165,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$155,000	View
Mortgage Solutions of Colorado	FHA	1	0%	100%	$225,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0%	100%	$315,000	View
I H Mississippi Valley Credit Union	Conventional	1	0%	100%	$375,000
Bankers' Bank A5.0 ★Texas Ratio: 7.37%	Conventional	1	0%	100%	$545,000	View
Mld Mortgage, Inc.Dba the Money Store	FHA	1	0%	100%	$175,000
First Option Bank A4.5 ★Texas Ratio: 2.64%	Conventional	1	0%	100%	$145,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0%	50%	$275,000
Texana Bank	Conventional	1	0%	100%	$175,000
Leaderone Financial Corp.	Conventional	1	0%	100%	$185,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +22 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +16 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +11 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +3 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +2 HELOCs	0%	0%
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Des Moines Mortgage Rate Trends

Daily average mortgage rates for Iowa compared with the national average, updated every evening.

30-Year Fixed IA Avg

7.478%

▲ 0.101 vs 7 days ago

15-Year Fixed IA Avg

6.987%

▲ 0.122 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Des Moines, Iowa

Looking for mortgage lenders near me or mortgage brokers near me in Des Moines? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Des Moines in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Des Moines, IA

Use these to narrow the list above. Each category shows how many Des Moines, IA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 86 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 100 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 79 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 50 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IA 75 lenders headquartered in Iowa, the closest thing to a mortgage lender near you

Who Lends in Des Moines, IA

Independent mortgage companies closed 44.3 percent of home loans in Des Moines, Iowa in 2025, banks 23.2 percent and credit unions 32.5 percent. Homeservices Lending LLC was the largest mortgage company, Bankers Trust Company the largest bank and Premier Credit Union the largest credit union. Among lenders headquartered in Iowa, Bankers Trust Company led with 85 loans.

44.3%

Mortgage companies

23.2%

Banks

32.5%

Credit unions

15%

FHA loans

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

All Iowa lenders 573 lenders Cedar Rapids 144 lenders Davenport 141 lenders Ankeny 150 lenders Council Bluffs 136 lenders Sioux City 105 lenders West Des Moines 139 lenders Waterloo 86 lenders Iowa City 92 lenders Urbandale 124 lenders Dubuque 85 lenders Bettendorf 114 lenders Marion 90 lenders

Frequently Asked Questions About Mortgage Lenders in Des Moines, IA

Who is the largest mortgage lender in Des Moines, IA?

By home loans closed in 2025, Bankers Trust Company was the largest mortgage lender in Des Moines, Iowa with 85 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Des Moines, Iowa, Fairway Independent Mort Corp approved the highest share of completed applications in 2025 at 100 percent, against a 82.8 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 Des Moines, IA mortgage lenders offer FHA, VA and USDA loans?

79 lenders closed FHA loans in Des Moines, Iowa in 2025, led by New American Funding, LLC. with 53. 50 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. 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 Des Moines, IA lender list?

Yes. 100 banks and 30 credit unions closed home loans in Des Moines, Iowa in 2025, alongside 86 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 Des Moines, IA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Des Moines, 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 Des Moines, 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 Des Moines. 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.