Mortgage Lenders and Brokers in Mason City, 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
Mason City, Iowa mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA10 N Washington Ave, Mason City, IA 50401A+5.0 ★Texas Ratio: 5.36%, US Bank, N.A.US Bank, N.A.124 N Washington Ave, Mason City, IA 50401A+5.0 ★Texas Ratio: 2.85%, Manufacturers Bank & Trust CoManufacturers Bank & Trust Co300 1st Ave N, Clear Lake, IA 50428A+5.0 ★Texas Ratio: 5.80%, Bank IowaBank Iowa420 8th St Se, Altoona, IA 50009A5.0 ★Texas Ratio: 12.73%, Veridian Credit UnionVeridian Credit Union2510 SW State St, Ankeny, IA 50023A+5.0 ★Texas Ratio: 4.74%, Greenstate Credit UnionGreenstate Credit Union104 8th St SE, Altoona, IA 50009A5.0 ★Texas Ratio: 10.18%, Gnb BankGnb Bank650 Main St, Ackley, IA 50601A+5.0 ★Texas Ratio: 3.49%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA435 S Duff Ave, Ames, IA 50010A+5.0 ★Texas Ratio: 3.68%, Reliance State BankReliance State Bank175 E 3rd St, Garner, IA 50438B4.6 ★Texas Ratio: 19.85%, and Farmers State BankFarmers State Bank515 Main St, Cedar Falls, IA 50613A+5.0 ★Texas Ratio: 0.10%. 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 Mason City, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mason City 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 Mason City, Iowa
Market share is the lender's share of all home loans closed in Mason City, 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 Mason City 10 N Washington Ave, Mason City, IA 50401 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 25 | 10% | 73.5% | $147,800 | View |
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1 office in Mason City 124 N Washington Ave, Mason City, IA 50401 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 21 +6 HELOCs |
8.4% | 77.8% | $149,285 | View |
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300 1st Ave N, Clear Lake, IA 50428 A+5.0 ★Texas Ratio: 5.80% |
Conventional | 8 | 3.2% | 100% | $126,250 | View |
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420 8th St Se, Altoona, IA 50009 A5.0 ★Texas Ratio: 12.73% |
Conventional, HELOC | 6 +4 HELOCs |
2.4% | 100% | $175,000 | View |
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2510 SW State St, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 6 +1 HELOCs |
2.4% | 100% | $86,666 | View |
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104 8th St SE, Altoona, IA 50009 A5.0 ★Texas Ratio: 10.18% |
Conventional | 6 | 2.4% | 85.7% | $200,000 | View |
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650 Main St, Ackley, IA 50601 A+5.0 ★Texas Ratio: 3.49% |
Conventional | 3 | 1.2% | 100% | $58,333 | View |
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435 S Duff Ave, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $130,000 | View |
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175 E 3rd St, Garner, IA 50438 B4.6 ★Texas Ratio: 19.85% |
Conventional | 2 | 0.8% | 66.7% | $135,000 | View |
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515 Main St, Cedar Falls, IA 50613 A+5.0 ★Texas Ratio: 0.10% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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801 Lincoln Way, Ames, IA 50010 A5.0 ★Texas Ratio: 8.43% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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205 Water St, Cambridge, IA 50046 A5.0 ★Texas Ratio: 7.99% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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100 E Railroad St, Afton, IA 50830 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.4% | 100% | $135,000 | 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 | |
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525 Main St, Ames, IA 50010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Iowa Bankers Mortgage Corporation
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Conventional | 5 | 2% | 100% | $177,000 | |
Midwestone Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 30 | 12% | 96.8% | $128,333 | View |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 10.8% | 78.4% | $146,851 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 15 | 6% | 100% | $138,333 | |
Mortgage Research Center
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FHA, VA | 12 | 4.8% | 75% | $205,833 | |
Servion
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Conventional, FHA | 7 | 2.8% | 77.8% | $135,000 | |
United Wholesale Mortgage
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FHA, VA | 6 | 2.4% | 87.5% | $240,000 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 2.4% | 85.7% | $105,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 2% | 100% | $49,000 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 1.6% | 100% | $200,000 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1.2% | 60% | $171,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.2% | 100% | $188,333 | |
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A4.7 ★Texas Ratio: 2.58% |
FHA | 3 | 1.2% | 100% | $121,666 | View |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.8% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.8% | 100% | $135,000 | View |
Towne Mortgage Company
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Conventional, FHA | 2 | 0.8% | 100% | $240,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.8% | 66.7% | $155,000 | |
Navy Federal Credit Union
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VA | 2 | 0.8% | 100% | $255,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.8% | 50% | $45,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.4% | 100% | $145,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.4% | 100% | $95,000 | View |
Newrez LLC
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Conventional | 1 | 0.4% | 25% | $95,000 | |
Nbkc Bank
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FHA | 1 | 0.4% | 100% | $235,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.4% | 100% | $155,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.4% | 7.7% | $295,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.4% | 100% | $195,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.4% | 100% | $185,000 | |
Weichert Financial Services
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Conventional | 1 | 0.4% | 100% | $385,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 100% | $265,000 | View |
Transportation Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.4% | 100% | $195,000 | |
Altra Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $345,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 0.4% | 100% | $285,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $95,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 50% | $465,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 50% | $55,000 | View |
Tradition Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 50% | $95,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 50% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Better Mortgage Corporation
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HELOC | 0 +2 HELOCs |
0% | 0% |
Mason City 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 Mason City, Iowa
Looking for mortgage lenders near me or mortgage brokers near me in Mason City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mason City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mason City, IA
Use these to narrow the list above. Each category shows how many Mason City, IA lenders fit and what that kind of lender is usually best for.
Who Lends in Mason City, IA
Independent mortgage companies closed 47.8 percent of home loans in Mason City, Iowa in 2025, banks 45 percent and credit unions 7.2 percent. Iowa Bankers Mortgage Corporation was the largest mortgage company, Wells Fargo Bank NA the largest bank and Veridian Credit Union the largest credit union. Among lenders headquartered in Iowa, Manufacturers Bank & Trust Co led with 8 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 Mason City, IA
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Mason City, Iowa with 25 loans, about 10 percent of the market. The largest lender headquartered in Iowa was Manufacturers Bank & Trust Co with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Mason City, Iowa in 2025, led by Plains Commerce Bank with 12. 15 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. 24 banks and 8 credit unions closed home loans in Mason City, Iowa in 2025, alongside 35 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 Mason City, 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 Mason City, 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 Mason City. 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.
