Mortgage Lenders and Brokers in Earlham, 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
Earlham, Iowa mortgage lenders include Greenstate Credit UnionGreenstate Credit Union104 8th St SE, Altoona, IA 50009A5.0 ★Texas Ratio: 10.18%, Earlham Savings BankEarlham Savings Bank130 N Chestnut Ave, Earlham, IA 50072A+5.0 ★Texas Ratio: 5.57%, Community Choice Credit UnionCommunity Choice Credit Union818 8th st SW, Altoona, IA 50009A+5.0 ★Texas Ratio: 3.41%, Veridian Credit UnionVeridian Credit Union2510 SW State St, Ankeny, IA 50023A+5.0 ★Texas Ratio: 4.74%, Greater Iowa Credit UnionGreater Iowa Credit Union801 Lincoln Way, Ames, IA 50010A5.0 ★Texas Ratio: 8.43%, Luana Savings BankLuana Savings Bank16390 Holcomb Ct, Clive, IA 50325A+5.0 ★Texas Ratio: 1.00%, Premier Credit UnionPremier Credit Union520 Grand Ave, Ames, IA 50010A5.0 ★Texas Ratio: 10.53%, Northwest BankNorthwest Bank100 E Railroad St, Afton, IA 50830A+5.0 ★Texas Ratio: 1.69%, First State BankFirst State Bank129 E Main St, Agency, IA 52530, and American State BankAmerican State Bank801 E Main St, Lamoni, IA 50140A+5.0 ★Texas Ratio: 0.26%. 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 Earlham, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Earlham 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 Earlham, Iowa
Market share is the lender's share of all home loans closed in Earlham, 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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104 8th St SE, Altoona, IA 50009 A5.0 ★Texas Ratio: 10.18% |
Conventional, HELOC | 10 +9 HELOCs |
12.2% | 100% | $234,000 | View |
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130 N Chestnut Ave, Earlham, IA 50072 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 7 | 8.5% | 100% | $139,285 | View |
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818 8th st SW, Altoona, IA 50009 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 6 +8 HELOCs |
7.3% | 100% | $340,000 | View |
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2510 SW State St, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 4 +8 HELOCs |
4.9% | 80% | $360,000 | View |
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801 Lincoln Way, Ames, IA 50010 A5.0 ★Texas Ratio: 8.43% |
Conventional | 4 | 4.9% | 100% | $132,500 | View |
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16390 Holcomb Ct, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.00% |
Conventional, Jumbo | 3 | 3.7% | 100% | $718,333 | View |
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520 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 10.53% |
Conventional | 2 | 2.4% | 100% | $50,000 | View |
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100 E Railroad St, Afton, IA 50830 A+5.0 ★Texas Ratio: 1.69% |
Conventional, Jumbo | 2 | 2.4% | 100% | $585,000 | View |
First State Bank
129 E Main St, Agency, IA 52530 |
Conventional | 2 | 2.4% | 100% | $20,000 | |
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801 E Main St, Lamoni, IA 50140 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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111 8th St Se, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.2% | 100% | $765,000 | View |
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3820 8th St Sw, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.48% |
Conventional | 1 | 1.2% | 100% | $785,000 | View |
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2805 N Ankeny Blvd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 1.2% | 100% | $805,000 | View |
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1400 2nd Ave, Des Moines, IA 50314 3403 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 1.2% | 100% | $35,000 | View |
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640 Lincoln Way, Ames, IA 50010 A5.0 ★Texas Ratio: 9.76% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
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1009 Court St, Adel, IA 50003 A5.0 ★Texas Ratio: 6.14% |
Conventional | 1 | 1.2% | 100% | $655,000 | View |
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114 S Broad St, Orient, IA 50858 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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4303 Fleur Dr, Des Moines, IA 50321 2327 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 1.2% | 100% | $435,000 | View |
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205 Water St, Cambridge, IA 50046 A5.0 ★Texas Ratio: 7.99% |
Conventional | 1 | 1.2% | 100% | $325,000 | View |
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100 Ne Jacob St, Grimes, IA 50111 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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6410 Sw 9th St, Des Moines, IA 50315 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $15,000 | View |
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525 Main St, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 1.2% | 50% | $375,000 | View |
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2701 Stange Rd, Ames, IA 50010 A5.0 ★Texas Ratio: 7.43% |
Conventional, Jumbo | 1 | 1.2% | 100% | $555,000 | View |
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5908 Winterberry Dr, Cedar Falls, IA 50613 B4.6 ★Texas Ratio: 20.10% |
Conventional | 1 | 1.2% | 100% | $485,000 | View |
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160 E Garfield St, Truro, IA 50257 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 50% | $205,000 | View |
Ohnward Bank and Trust
4726 50th Ave, Baldwin, IA 52207 |
Conventional | 1 | 1.2% | 100% | $505,000 | |
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420 8th St Se, Altoona, IA 50009 A5.0 ★Texas Ratio: 12.73% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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5865 Saratoga Rd, Asbury, IA 52002 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Iowa Bankers Mortgage Corporation
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Conventional | 2 | 2.4% | 100% | $410,000 | |
549300K04Zgwyv7Ldx511190891
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Conventional | 1 | 1.2% | 100% | $155,000 | |
Homeservices Lending LLC
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Conventional | 1 | 1.2% | 100% | $145,000 | |
Midwestone Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 4 | 4.9% | 100% | $255,000 | View |
Rocket Mortgage
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Conventional | 2 | 2.4% | 60% | $180,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 7.16% |
Conventional | 1 | 1.2% | 100% | $225,000 | View |
United Wholesale Mortgage
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Conventional | 1 | 1.2% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.2% | 100% | $485,000 | |
Compeer Financial
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Conventional | 1 | 1.2% | 100% | $805,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.2% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 1.2% | 100% | $645,000 | View |
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A+5.0 ★Texas Ratio: 1.38% |
Conventional | 1 | 1.2% | 100% | $485,000 | View |
Mortgage Research Center
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FHA | 1 | 1.2% | 50% | $175,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.2% | 100% | $135,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 1.2% | 100% | $135,000 | |
21St Mortgage
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Conventional | 1 | 1.2% | 50% | $95,000 | |
First Technology Federal Credit Union
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Conventional | 1 | 1.2% | 100% | $95,000 | |
Gershman Investment Corp.
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Conventional | 1 | 1.2% | 100% | $475,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Earlham 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 Earlham, Iowa
Looking for mortgage lenders near me or mortgage brokers near me in Earlham? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Earlham in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Earlham, IA
Use these to narrow the list above. Each category shows how many Earlham, IA lenders fit and what that kind of lender is usually best for.
Who Lends in Earlham, IA
Independent mortgage companies closed 18.3 percent of home loans in Earlham, Iowa in 2025, banks 43.9 percent and credit unions 37.8 percent. Iowa Bankers Mortgage Corporation was the largest mortgage company, Earlham Savings Bank the largest bank and Greenstate Credit Union the largest credit union. Among lenders headquartered in Iowa, Greenstate Credit Union led with 10 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 Earlham, IA
By home loans closed in 2025, Greenstate Credit Union was the largest mortgage lender in Earlham, Iowa with 10 loans, about 12.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Earlham, Iowa in 2025, led by Mortgage Research Center with 1. 0 lenders closed VA 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.
Yes. 26 banks and 11 credit unions closed home loans in Earlham, Iowa in 2025, alongside 15 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 Earlham, 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 Earlham, 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 Earlham. 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.
