Mortgage Lenders and Brokers in Sac City, Iowa
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Sac City, Iowa mortgage lenders include United Bank of IowaUnited Bank of Iowa400 Morningside Dr, Sac City, IA 50583A+5.0 ★Texas Ratio: 1.70%, Westside State BankWestside State Bank1012 N Us Highway 71, Carroll, IA 51401A-5.0 ★Texas Ratio: 15.31%, US Bank, N.A.US Bank, N.A.111 8th St Se, Altoona, IA 50009A+5.0 ★Texas Ratio: 2.85%, Central BankCentral Bank2805 N Ankeny Blvd, Ankeny, IA 50023A+5.0 ★Texas Ratio: 2.72%, Lincoln Savings BankLincoln Savings Bank312 Nile Kinnick Drive South, Adel, IA 50003D3.5 ★Texas Ratio: 33.42%, Northwest BankNorthwest Bank100 E Railroad St, Afton, IA 50830A+5.0 ★Texas Ratio: 1.69%, Veridian Credit UnionVeridian Credit Union2510 SW State St, Ankeny, IA 50023A+5.0 ★Texas Ratio: 4.74%, MEMBERS1st Community Credit UnionMEMBERS1st Community Credit Union423 Main St, Ames, IA 50010A5.0 ★Texas Ratio: 6.02%, First National Bank of OmahaFirst National Bank of Omaha2421 W Broadway, Council Bluffs, IA 51501A+5.0 ★Texas Ratio: 4.82%, and Dupaco Community Credit UnionDupaco Community Credit Union5865 Saratoga Rd, Asbury, IA 52002A+5.0 ★Texas Ratio: 3.87%. 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 Sac City, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sac 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 Sac City, Iowa
Market share is the lender's share of all home loans closed in Sac 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 |
|---|---|---|---|---|---|---|
|
1 office in Sac City 400 Morningside Dr, Sac City, IA 50583 A+5.0 ★Texas Ratio: 1.70% |
Conventional | 4 | 12.1% | 80% | $107,500 | View |
|
1012 N Us Highway 71, Carroll, IA 51401 A-5.0 ★Texas Ratio: 15.31% |
Conventional | 2 | 6.1% | 100% | $110,000 | View |
|
111 8th St Se, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 3% | 100% | $135,000 | View |
|
2805 N Ankeny Blvd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 3% | 100% | $105,000 | View |
|
312 Nile Kinnick Drive South, Adel, IA 50003 D3.5 ★Texas Ratio: 33.42% |
Conventional | 1 | 3% | 100% | $85,000 | View |
|
100 E Railroad St, Afton, IA 50830 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 3% | 100% | $275,000 | View |
|
2510 SW State St, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 3% | 100% | $165,000 | View |
|
423 Main St, Ames, IA 50010 A5.0 ★Texas Ratio: 6.02% |
Conventional | 1 | 3% | 100% | $55,000 | View |
|
2421 W Broadway, Council Bluffs, IA 51501 A+5.0 ★Texas Ratio: 4.82% |
FHA | 1 | 3% | 100% | $175,000 | View |
|
5865 Saratoga Rd, Asbury, IA 52002 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Iowa Bankers Mortgage Corporation
|
Conventional, USDA | 2 | 6.1% | 66.7% | $70,000 | |
Rocket Mortgage
|
Conventional, FHA | 5 | 15.2% | 71.4% | $115,000 | |
Cardinal Financial Company, Li
|
Conventional, FHA | 2 | 6.1% | 100% | $70,000 | |
Mortgage Research Center
|
VA | 2 | 6.1% | 100% | $110,000 | |
Lower, LLC
|
Conventional, FHA | 2 | 6.1% | 100% | $165,000 | |
Farm Credit Mid-America, Aca
|
Conventional | 2 | 6.1% | 100% | $425,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA | 2 | 6.1% | 100% | $45,000 | |
Endeavor Capital, LLC
|
FHA | 1 | 3% | 100% | $325,000 | |
Navy Federal Credit Union
|
VA | 1 | 3% | 100% | $75,000 | |
|
A4.7 ★Texas Ratio: 2.58% |
FHA | 1 | 3% | 100% | $95,000 | View |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Sac 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 Sac City, Iowa
Looking for mortgage lenders near me or mortgage brokers near me in Sac City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sac City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sac City, IA
Use these to narrow the list above. Each category shows how many Sac City, IA lenders fit and what that kind of lender is usually best for.
Who Lends in Sac City, IA
Independent mortgage companies closed 54.5 percent of home loans in Sac City, Iowa in 2025, banks 36.4 percent and credit unions 9.1 percent. Iowa Bankers Mortgage Corporation was the largest mortgage company, United Bank of Iowa the largest bank and Veridian Credit Union the largest credit union. Among lenders headquartered in Iowa, United Bank of Iowa led with 4 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 Sac City, IA
By home loans closed in 2025, United Bank of Iowa was the largest mortgage lender in Sac City, Iowa with 4 loans, about 12.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Sac City, Iowa in 2025, led by Rocket Mortgage with 4. 2 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.
Yes. 8 banks and 4 credit unions closed home loans in Sac City, Iowa in 2025, alongside 9 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 Sac 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 Sac 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 Sac 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.
