Mortgage Rates Iowa (IA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Iowa. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Iowa as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Farmers State Bank Waterloo, IAFarmers State Bank Waterloo, IA1306 5th St, Cedar Falls, IA, 50266A+5.0 ★Texas Ratio: 4.41% at 5.50%, Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA, 50613 2831A+5.0 ★Texas Ratio: 3.75% at 5.62%, Hills Bank and Trust CompanyHills Bank and Trust Company1009 2nd St, Cedar Rapids, IA, 52235A5.0 ★Texas Ratio: 7.52% at 5.75%, Midwest Heritage BankMidwest Heritage Bank1025 Braden Ave, Ames, IA, 50010A+5.0 ★Texas Ratio: 0.99% at 5.75%, and Luana Savings BankLuana Savings Bank100 Harvest Dr, Clive, IA, 50211A+5.0 ★Texas Ratio: 0.11% at 5.88%.
Mortgage rates in Iowa (IA) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Iowa borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Iowa Mortgage Rate Trends
Compare local Iowa mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — IA Avg
6.216%
▲ 0.131 from last week
For buyers in Iowa, the broader Iowa 30-year fixed average mortgage rate rose 0.131 points this week to 6.216%, according to MonitorBankRates trend data.
15-Year Fixed — IA Avg
5.636%
▼ 2.135 from last week
For buyers in Iowa, the broader Iowa 15-year fixed average mortgage rate fell 2.135 points this week to 5.636%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Iowa
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1306 5th St, Cedar Falls, IA, 50266
30 Year Fixed Rate Mortgage
5.50%
5.54%
▼
Rate5.50%
APR5.54%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
30-Year Fixed
30
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 16, 2026
Details
As Low As
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 30 Day Lock*
5.75%
5.77%
▼
Rate5.75%
APR5.77%
Points0.000
UpdatedMar 20, 2026
Details
$300,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 30 Day Lock*
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 20, 2026
Details
$200,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 30 Day Lock*
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 20, 2026
Details
$100,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 60 Day Lock
360
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 20, 2026
Details
$100,000
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1025 Braden Ave, Ames, IA, 50010
30 Year Fixed
30 Year
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 60 Day Lock
360
5.88%
5.90%
▼
Rate5.88%
APR5.90%
Points0.000
UpdatedMar 20, 2026
Details
$300,000
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA, 50211
30-Year Fixed Rate Purchase
30
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 20, 2026
Details
Loan Amount: $300,000
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
30-Year Fixed
360
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
30 Year Fixed Rate Loan 60 Day Lock
360
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 20, 2026
Details
$200,000
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 13, 2026
Details
Purchase: 30-Year Fixed Conventional $832750 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
5.95%
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 13, 2026
Details
Purchase: 30-Year Fixed Conventional $200000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details
$200000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional or less
30-Year
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details
$200000
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
1161 16TH AVENUE CT SE, Bettendorf, IA, 52001
30 Year Fixed
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
30 Year Fixed
5.88%
6.01%
▼
Rate5.88%
APR6.01%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Purchase: 30-Year Fixed Conventional
30-Year
5.88%
6.01%
▼
Rate5.88%
APR6.01%
Points0.000
UpdatedMar 13, 2026
Details
Purchase: 30-Year Fixed Conventional $100000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 13, 2026
Details
$100000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional or less
30-Year
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 13, 2026
Details
$100000
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 13, 2026
Details
$832750 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 13, 2026
Details
$832750
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA, 52722
Fixed Rate Mortgage - 30 Year Fixed Rate
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Purchase: 30-Year Fixed Conventional
30-Year
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 13, 2026
Details
Purchase: 30-Year Fixed Conventional $300000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional
30-Year
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 13, 2026
Details
$300000 or less
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 30-Year Fixed Conventional or less
30-Year
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 13, 2026
Details
$300000
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA, 52001
30-year Fixed
30
5.99%
6.08%
▼
Rate5.99%
APR6.08%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA, 50211
30-Year Fixed Rate Purchase
30
6.12%
6.17%
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
Loan Amount: $200,000
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1111 W 5th St, Bettendorf, IA, 52722
30 Year Fixed
30 Year
6.00%
6.19%
▼
Rate6.00%
APR6.19%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
30 Year Fixed
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 N Washington Ave, Adel, IA, 50003
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1306 5th St, Cedar Falls, IA, 50266
30 Year Mortgage
30 Year
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 20, 2026
Details
The rates shown are for the purchase of a primary residence with no points paid.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
30 Year Fixed 100%
7.62%
7.77%
▼
Rate7.62%
APR7.77%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA, 52761
15-Year Fixed
15 Years
5.25%
5.22%
▼
Rate5.25%
APR5.22%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
15-Year Fixed
15
5.12%
5.30%
▼
Rate5.12%
APR5.30%
Points0.000
UpdatedMar 16, 2026
Details
As Low As
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 20, 2026
Details
$200,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 60 Day Lock
180
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 20, 2026
Details
$200,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 20, 2026
Details
$100,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 60 Day Lock
180
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 20, 2026
Details
$100,000
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
1161 16TH AVENUE CT SE, Bettendorf, IA, 52001
15 Year Fixed
5.25%
5.40%
▼
Rate5.25%
APR5.40%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 30 Day Lock*
5.38%
5.41%
▼
Rate5.38%
APR5.41%
Points0.000
UpdatedMar 20, 2026
Details
$300,000
Hills Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1009 2nd St, Cedar Rapids, IA, 52235
15 Year Fixed Rate Loan 60 Day Lock
180
5.38%
5.41%
▼
Rate5.38%
APR5.41%
Points0.000
UpdatedMar 20, 2026
Details
$300,000
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA, 50211
15-Year Fixed Rate Purchase
15
5.38%
5.43%
▼
Rate5.38%
APR5.43%
Points0.000
UpdatedMar 20, 2026
Details
Loan Amount: $300,000
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1025 Braden Ave, Ames, IA, 50010
15 Year Fixed
15 Year
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
15 Year Fixed
5.38%
5.54%
▼
Rate5.38%
APR5.54%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1306 5th St, Cedar Falls, IA, 50266
15 Year Fixed Rate Mortgage
5.50%
5.58%
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
15 Year Fixed
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.875
UpdatedMar 11, 2026
Details
No additional details available.
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA, 52722
Fixed Rate Mortgage - 15 Year Fixed Rate
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Purchase: 15-Year Fixed Conventional
15-Year
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 13, 2026
Details
Purchase: 15-Year Fixed Conventional
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
1000 Jackson St, Asbury, IA, 50111
Refinance: 15-Year Fixed Conventional
15-Year
5.50%
5.62%
▼
Rate5.50%
APR5.62%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
15-Year Fixed
180
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Clive, IA, 50211
15-Year Fixed Rate Purchase
15
5.62%
5.67%
▼
Rate5.62%
APR5.67%
Points0.000
UpdatedMar 20, 2026
Details
Loan Amount: $200,000
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Bettendorf, IA, 50220
15 Year Fixed Rate Mortgage Loans
15 Year
5.49%
5.69%
▼
Rate5.49%
APR5.69%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 N Washington Ave, Adel, IA, 50003
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA, 52001
15-year Fixed
15
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1111 W 5th St, Bettendorf, IA, 52722
15 Year Fixed
15 Year
5.50%
5.81%
▼
Rate5.50%
APR5.81%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
15 Year Fixed
5.62%
5.81%
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Iowa State Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
200 N Main St, Creston, IA, 50801
15-Year Fixed
5.96%
6.03%
▼
Rate5.96%
APR6.03%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA, 52001
3/1 Year ARM
5.00%
5.08%
▼
Rate5.00%
APR5.08%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA, 52001
5/1 Year ARM
5.38%
5.46%
▼
Rate5.38%
APR5.46%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA, 52722
5/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.25%
5.54%
▼
Rate5.25%
APR5.54%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1111 W 5th St, Bettendorf, IA, 52722
5 Year ARM*
5 Year
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1111 W 5th St, Bettendorf, IA, 52722
7 Year ARM*
7 Year
5.38%
5.56%
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Burlington, IA, 52001
7/1 Year ARM
5.50%
5.59%
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1116 S 14th St, Bettendorf, IA, 52722
10/1 Adjustable Rate Mortgage
15, 20 or 30 Years
5.50%
5.60%
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
7/1 ARM
5.75%
6.09%
▼
Rate5.75%
APR6.09%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
5/1 ARM
5.62%
6.11%
▼
Rate5.62%
APR6.11%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1008 W Bell Ave Ste 103, Albia, IA, 50022 1128
3/1 ARM
5.50%
6.16%
▼
Rate5.50%
APR6.16%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 N Washington Ave, Adel, IA, 50003
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Bettendorf, IA, 50220
Adjustable Rate Mortgage Loans
10/1 - 30 years
5.49%
6.85%
▼
Rate5.49%
APR6.85%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
7/1 ARM jumbo purchase program
5.25%
7.06%
▼
Rate5.25%
APR7.06%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
7/1 Jumbo Purchase
5.25%
7.06%
▼
Rate5.25%
APR7.06%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
7/1 ARM
5.25%
7.08%
▼
Rate5.25%
APR7.08%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
5/1 ARM
5.00%
7.16%
▼
Rate5.00%
APR7.16%
Points1.125
UpdatedMar 11, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
5/5 ARM jumbo purchase program
5.00%
7.19%
▼
Rate5.00%
APR7.19%
Points1.125
UpdatedMar 11, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
5/5 Jumbo Purchase
5.00%
7.19%
▼
Rate5.00%
APR7.19%
Points1.125
UpdatedMar 11, 2026
Details
No additional details available.
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Bettendorf, IA, 50220
Adjustable Rate Mortgage Loans
5/1 - 30 years
5.24%
7.56%
▼
Rate5.24%
APR7.56%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
7/1 ARM 100%
5.88%
7.67%
▼
Rate5.88%
APR7.67%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
FHA 30 Year Fixed
5.62%
5.91%
▼
Rate5.62%
APR5.91%
Points0.875
UpdatedMar 11, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
VA Loans
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
10 N Washington Ave, Adel, IA, 50003
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
VA Loan
360
5.75%
6.07%
▼
Rate5.75%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1100 8th Ave, Alburnett, IA, 52202
VA Loans
360
5.75%
6.07%
▼
Rate5.75%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
100 E Jackson St, Altoona, IA, 50009
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Iowa directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Iowa. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in IA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Iowa
How does my credit score affect my rate in Iowa?
Your credit score is a major factor. Generally, borrowers in Iowa with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Iowa because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Iowa?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Iowa, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Iowa, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Iowa?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Iowa, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Iowa?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Iowa offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Iowa?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Iowa?
- Farmers State Bank Waterloo, IA: 5.50% (30 Year Fixed Rate Mortgage)
- Cedar Falls Community Credit Union: 5.62% (30-Year Fixed)
- Hills Bank and Trust Company: 5.75% (30 Year Fixed Rate Loan 30 Day Lock*)
- Midwest Heritage Bank: 5.75% (30 Year Fixed)
- Luana Savings Bank: 5.88% (30-Year Fixed Rate Purchase)
Mortgage Rates reflect actual verified offers from lenders actively lending to Iowa borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Iowa Rates & Resources
Mortgage Rates by City in Iowa
