Mortgage Lenders and Brokers in St. Charles, 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
St. Charles, Iowa mortgage lenders include Farmers & Merchants State BankFarmers & Merchants State Bank114 S Broad St, Orient, IA 50858A+5.0 ★Texas Ratio: 0.00%, Greenstate Credit UnionGreenstate Credit Union104 8th St SE, Altoona, IA 50009A5.0 ★Texas Ratio: 10.18%, American State BankAmerican State Bank801 E Main St, Lamoni, IA 50140A+5.0 ★Texas Ratio: 0.26%, Union State BankUnion State Bank160 E Garfield St, Truro, IA 50257A+5.0 ★Texas Ratio: 0.00%, Veridian Credit UnionVeridian Credit Union2510 SW State St, Ankeny, IA 50023A+5.0 ★Texas Ratio: 4.74%, Community Choice Credit UnionCommunity Choice Credit Union818 8th st SW, Altoona, IA 50009A+5.0 ★Texas Ratio: 3.41%, US Bank, N.A.US Bank, N.A.111 8th St Se, Altoona, IA 50009A+5.0 ★Texas Ratio: 2.85%, Bank IowaBank Iowa420 8th St Se, Altoona, IA 50009A5.0 ★Texas Ratio: 12.73%, Earlham Savings BankEarlham Savings Bank203 W Highway 92, Bevington, IA 50033A+5.0 ★Texas Ratio: 5.57%, and Luana Savings BankLuana Savings Bank16390 Holcomb Ct, Clive, IA 50325A+5.0 ★Texas Ratio: 1.00%. 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 St. Charles, Iowa in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Charles 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 St. Charles, Iowa
Market share is the lender's share of all home loans closed in St. Charles, 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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114 S Broad St, Orient, IA 50858 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 11 | 11.7% | 100% | $228,636 | View |
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104 8th St SE, Altoona, IA 50009 A5.0 ★Texas Ratio: 10.18% |
Conventional, VA, HELOC | 6 +3 HELOCs |
6.4% | 100% | $378,333 | View |
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801 E Main St, Lamoni, IA 50140 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 3 | 3.2% | 100% | $135,000 | View |
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160 E Garfield St, Truro, IA 50257 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 3.2% | 60% | $351,666 | View |
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2510 SW State St, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 4.74% |
Conventional, HELOC | 2 +11 HELOCs |
2.1% | 100% | $240,000 | View |
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818 8th st SW, Altoona, IA 50009 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 2 +2 HELOCs |
2.1% | 100% | $345,000 | View |
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111 8th St Se, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
2.1% | 100% | $180,000 | View |
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420 8th St Se, Altoona, IA 50009 A5.0 ★Texas Ratio: 12.73% |
Conventional | 2 | 2.1% | 100% | $505,000 | View |
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203 W Highway 92, Bevington, IA 50033 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 2 | 2.1% | 100% | $220,000 | View |
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16390 Holcomb Ct, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 2 | 2.1% | 100% | $190,000 | View |
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100 1st Ave Ne, Cedar Rapids, IA 52401 A5.0 ★Texas Ratio: 6.98% |
Conventional, Jumbo | 1 | 1.1% | 100% | $655,000 | View |
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2905 Sw Oralabor Rd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.1% | 100% | $5,000 | View |
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804 Greenwood Hills Dr, Adel, IA 50003 A+5.0 ★Texas Ratio: 1.17% |
Conventional | 1 | 1.1% | 100% | $735,000 | View |
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312 Nile Kinnick Drive South, Adel, IA 50003 D3.5 ★Texas Ratio: 33.42% |
Conventional | 1 | 1.1% | 100% | $185,000 | View |
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502 8th St Sw, Altoona, IA 50009 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
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13101 University Ave, Clive, IA 50325 A+5.0 ★Texas Ratio: 1.78% |
Conventional, Jumbo | 1 | 1.1% | 100% | $3,525,000 | View |
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520 Grand Ave, Ames, IA 50010 A5.0 ★Texas Ratio: 10.53% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2805 N Ankeny Blvd, Ankeny, IA 50023 A+5.0 ★Texas Ratio: 2.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Homeservices Lending LLC
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Conventional, VA | 2 | 2.1% | 100% | $460,000 | |
Iowa Bankers Mortgage Corporation
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Conventional | 2 | 2.1% | 100% | $330,000 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 6.4% | 100% | $226,666 | |
United Wholesale Mortgage
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Conventional | 5 | 5.3% | 100% | $339,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 4 | 4.3% | 100% | $392,500 | |
Marine Credit Union
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Conventional | 4 | 4.3% | 80% | $235,000 | |
Cmg Mortgage Inc
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Conventional | 3 | 3.2% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 2 | 2.1% | 66.7% | $210,000 | View |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 2.1% | 100% | $445,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 2.1% | 100% | $120,000 | |
Newrez LLC
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FHA, VA, Jumbo | 2 | 2.1% | 100% | $600,000 | |
loanDepot.com LLC
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FHA, VA | 2 | 2.1% | 100% | $235,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 2.1% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 2.1% | 100% | $520,000 | View |
Primary Residential Mortgage, INC.
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VA | 1 | 1.1% | 100% | $685,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.1% | 100% | $545,000 | View |
New Day Financial, LLC.
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VA | 1 | 1.1% | 100% | $195,000 | |
Land Home Financial Services,
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VA | 1 | 1.1% | 100% | $555,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $275,000 | |
I H Mississippi Valley Credit Union
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Conventional | 1 | 1.1% | 100% | $305,000 | |
Lower, LLC
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Conventional | 1 | 1.1% | 100% | $285,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $75,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 1.1% | 100% | $265,000 | |
Geneva Financial LLC
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Conventional | 1 | 1.1% | 100% | $355,000 | |
Gershman Investment Corp.
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Conventional | 1 | 1.1% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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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 |
St. Charles 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 St. Charles, Iowa
Looking for mortgage lenders near me or mortgage brokers near me in St. Charles? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Charles in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Charles, IA
Use these to narrow the list above. Each category shows how many St. Charles, IA lenders fit and what that kind of lender is usually best for.
Who Lends in St. Charles, IA
Independent mortgage companies closed 46.8 percent of home loans in St. Charles, Iowa in 2025, banks 37.2 percent and credit unions 16 percent. Homeservices Lending LLC was the largest mortgage company, Farmers & Merchants State Bank the largest bank and Greenstate Credit Union the largest credit union. Among lenders headquartered in Iowa, Farmers & Merchants State Bank led with 11 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 St. Charles, IA
By home loans closed in 2025, Farmers & Merchants State Bank was the largest mortgage lender in St. Charles, Iowa with 11 loans, about 11.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in St. Charles, Iowa in 2025, led by Freedom Mortgage Corporation with 2. 8 lenders closed VA loans, led by Greenstate Credit Union. 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. 18 banks and 7 credit unions closed home loans in St. Charles, Iowa in 2025, alongside 23 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 St. Charles, 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 St. Charles, 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 St. Charles. 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.
