Top Mortgage Lenders in Des Moines, IA

Which mortgage lender in the Des Moines, IA area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Des Moines, IA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Des Moines, IA area in terms of interest rate is Veridian Credit Union, with an average “Rate Difference” of -0.25%. This means that, comparing similar borrowers, Veridian Credit Union provided a -0.25% lower interest rate for its customers than other lenders in the area. Veridian Credit Union has a market share of 6.0%. On the other hand, the most popular lender in the Des Moines, IA area is Iowa Bankers Mortgage Corporation, with a larger market share of 10.4%. Iowa Bankers Mortgage Corporation is also a relatively cheap lender, with a “Rate Difference” of -0.13% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Des Moines, IA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Des Moines, IA is Veridian Credit Union. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Bankers Trust. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Fidelity Bank Iowa. The cheapest VA mortgage provider is Veridian Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Des Moines, IA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.25%(5.0)5.98%
Luana Savings Bank-0.19%(4.5)5.81%
DHI Mortgage Company Limited-0.18%(4.5)0.49%
Collins Community Credit Union-0.16%(4.5)2.04%
Community Choice Credit Union-0.15%(4.0)1.69%
Iowa Bankers Mortgage Corporation-0.13%(4.0)10.37%
Home Point Financial Corporation-0.09%(4.0)0.43%
GreenState Credit Union-0.08%(4.0)8.39%
Fidelity Bank Iowa-0.05%(4.0)5.17%
Navy Federal Credit Union-0.04%(3.5)0.19%
MidWestOne Bank-0.03%(3.5)0.27%
Premier Credit Union-0.02%(3.5)0.49%
Bank Iowa-0.01%(3.5)0.62%
Financial Plus Credit Union – Iowa-0.01%(3.5)0.37%
Gershman Mortgage-0.00%(3.5)3.07%
Northwest Bank IA0.00%(3.5)1.65%
Chickasaw Community Bank0.00%(3.5)0.82%
Great Southern Bank0.00%(3.5)0.22%
Movement Mortgage0.01%(3.5)0.31%
Land Home Financial Services0.01%(3.5)2.95%
Central Bank0.01%(3.5)0.52%
Lincoln Savings Bank0.02%(3.5)4.53%
Deere Employees Credit Union0.02%(3.5)0.25%
Amerisave Mortgage Corporation0.02%(3.5)0.18%
Carrington Mortgage Services0.02%(3.5)0.37%
SunTrust Bank0.03%(3.5)0.38%
Caliber Home Loans0.03%(3.5)0.29%
Greater Iowa Credit Union0.03%(3.5)0.68%
CMG Financial0.04%(3.5)0.56%
Bank of America0.04%(3.5)0.41%
Flagstar Bank0.05%(3.0)1.02%
HomeServices Lending0.05%(3.0)6.03%
PennyMac Loan Services0.06%(3.0)0.20%
American Pacific Mortgage0.07%(3.0)0.43%
Bankers Trust0.08%(3.0)3.39%
Guild Mortgage Company0.09%(3.0)0.82%
JPMorgan Chase Bank0.09%(3.0)0.22%
Panorama Mortgage Group0.10%(3.0)0.69%
New American Funding0.10%(3.0)0.37%
Great Western Bank0.11%(3.0)0.56%
Inlanta Mortgage0.11%(3.0)1.21%
Freedom Mortgage Corporation0.11%(3.0)0.77%
US Bank0.11%(3.0)4.33%
Wells Fargo Bank0.12%(3.0)6.50%
Homeside Financial0.12%(3.0)0.99%
Barrington Bank & Trust0.13%(3.0)0.30%
Mid America Mortgage0.14%(3.0)0.36%
The Federal Savings Bank0.14%(3.0)0.18%
Bank in San Ramon0.15%(3.0)0.56%
Finance of America Mortgage0.16%(2.5)0.60%
Waterstone Mortgage Corporation0.16%(2.5)0.22%
Fairway Independent Mortgage Corporation0.16%(2.5)2.03%
First Community Mortgage0.17%(2.5)1.36%
Stearns Home Loans0.18%(2.5)0.76%
Mr. Cooper0.29%(2.0)0.51%
Quicken Loans0.32%(2.0)4.93%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.25%(4.5)6.01%
DHI Mortgage Company Limited-0.19%(4.5)0.83%
Community Choice Credit Union-0.16%(4.5)0.98%
Home Point Financial Corporation-0.12%(4.0)0.59%
Collins Community Credit Union-0.10%(4.0)1.99%
Fidelity Bank Iowa-0.09%(4.0)6.38%
Luana Savings Bank-0.07%(4.0)3.05%
Iowa Bankers Mortgage Corporation-0.06%(4.0)8.64%
Navy Federal Credit Union-0.06%(4.0)0.27%
GreenState Credit Union-0.06%(4.0)7.19%
Bank of America-0.05%(4.0)0.34%
MidWestOne Bank-0.03%(3.5)0.32%
SunTrust Bank-0.03%(3.5)0.31%
Bank Iowa-0.02%(3.5)0.56%
Great Southern Bank-0.02%(3.5)0.20%
PennyMac Loan Services-0.01%(3.5)0.07%
Central Bank-0.01%(3.5)0.54%
Chickasaw Community Bank-0.00%(3.5)0.93%
Gershman Mortgage-0.00%(3.5)3.62%
Movement Mortgage0.00%(3.5)0.47%
Premier Credit Union0.00%(3.5)0.17%
Great Western Bank0.01%(3.5)0.55%
Wells Fargo Bank0.01%(3.5)7.00%
Northwest Bank IA0.01%(3.5)1.42%
Greater Iowa Credit Union0.01%(3.5)0.57%
US Bank0.01%(3.5)4.66%
Financial Plus Credit Union – Iowa0.02%(3.5)0.20%
The Federal Savings Bank0.02%(3.5)0.01%
Lincoln Savings Bank0.02%(3.5)5.77%
Caliber Home Loans0.02%(3.5)0.12%
Amerisave Mortgage Corporation0.02%(3.5)0.01%
Flagstar Bank0.03%(3.5)1.31%
CMG Financial0.03%(3.5)0.82%
Deere Employees Credit Union0.04%(3.5)0.30%
Carrington Mortgage Services0.05%(3.5)0.02%
Land Home Financial Services0.05%(3.0)3.73%
HomeServices Lending0.05%(3.0)8.62%
JPMorgan Chase Bank0.06%(3.0)0.23%
Mr. Cooper0.07%(3.0)0.10%
Freedom Mortgage Corporation0.07%(3.0)0.74%
Bank in San Ramon0.08%(3.0)0.49%
Panorama Mortgage Group0.08%(3.0)0.79%
Bankers Trust0.10%(3.0)4.24%
American Pacific Mortgage0.10%(3.0)0.47%
New American Funding0.11%(3.0)0.51%
Guild Mortgage Company0.11%(3.0)0.91%
Inlanta Mortgage0.12%(3.0)1.62%
Homeside Financial0.13%(3.0)1.46%
Mid America Mortgage0.14%(3.0)0.54%
First Community Mortgage0.15%(2.5)1.46%
Barrington Bank & Trust0.16%(2.5)0.41%
Waterstone Mortgage Corporation0.16%(2.5)0.31%
Fairway Independent Mortgage Corporation0.18%(2.5)2.75%
Finance of America Mortgage0.19%(2.5)0.68%
Stearns Home Loans0.20%(2.5)1.05%
Quicken Loans0.21%(2.5)2.06%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.26%(5.0)5.93%
Collins Community Credit Union-0.24%(4.5)2.11%
Luana Savings Bank-0.24%(4.5)9.60%
Iowa Bankers Mortgage Corporation-0.19%(4.5)12.74%
Community Choice Credit Union-0.14%(4.0)2.67%
GreenState Credit Union-0.10%(4.0)10.03%
Land Home Financial Services-0.09%(4.0)1.87%
MidWestOne Bank-0.04%(3.5)0.20%
Deere Employees Credit Union-0.03%(3.5)0.20%
Premier Credit Union-0.02%(3.5)0.93%
Financial Plus Credit Union – Iowa-0.01%(3.5)0.60%
Gershman Mortgage-0.01%(3.5)2.32%
Northwest Bank IA0.00%(3.5)1.95%
Bank Iowa0.00%(3.5)0.71%
American Pacific Mortgage0.00%(3.5)0.38%
Home Point Financial Corporation0.01%(3.5)0.20%
Lincoln Savings Bank0.01%(3.5)2.82%
Chickasaw Community Bank0.01%(3.5)0.67%
Bankers Trust0.01%(3.5)2.24%
Fidelity Bank Iowa0.02%(3.5)3.51%
DHI Mortgage Company Limited0.03%(3.5)0.01%
Amerisave Mortgage Corporation0.03%(3.5)0.42%
Carrington Mortgage Services0.03%(3.5)0.85%
Navy Federal Credit Union0.03%(3.5)0.09%
Great Southern Bank0.03%(3.5)0.24%
Caliber Home Loans0.03%(3.5)0.51%
Barrington Bank & Trust0.03%(3.5)0.14%
HomeServices Lending0.04%(3.5)2.48%
CMG Financial0.04%(3.5)0.20%
Movement Mortgage0.04%(3.5)0.10%
Guild Mortgage Company0.05%(3.5)0.69%
Central Bank0.05%(3.5)0.50%
New American Funding0.05%(3.5)0.18%
Greater Iowa Credit Union0.05%(3.0)0.83%
Mid America Mortgage0.06%(3.0)0.12%
Inlanta Mortgage0.06%(3.0)0.65%
SunTrust Bank0.07%(3.0)0.47%
PennyMac Loan Services0.08%(3.0)0.39%
Homeside Financial0.09%(3.0)0.35%
Fairway Independent Mortgage Corporation0.10%(3.0)1.05%
Finance of America Mortgage0.10%(3.0)0.50%
Waterstone Mortgage Corporation0.11%(3.0)0.08%
Stearns Home Loans0.11%(3.0)0.35%
Flagstar Bank0.12%(3.0)0.63%
Panorama Mortgage Group0.12%(3.0)0.55%
Bank of America0.12%(3.0)0.50%
JPMorgan Chase Bank0.14%(3.0)0.21%
The Federal Savings Bank0.15%(2.5)0.41%
Freedom Mortgage Corporation0.16%(2.5)0.81%
First Community Mortgage0.20%(2.5)1.23%
Bank in San Ramon0.22%(2.5)0.65%
Great Western Bank0.24%(2.5)0.56%
US Bank0.28%(2.0)3.88%
Wells Fargo Bank0.31%(2.0)5.80%
Mr. Cooper0.32%(2.0)1.07%
Quicken Loans0.36%(1.5)8.87%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.25%(5.0)6.81%
DHI Mortgage Company Limited-0.21%(4.5)0.50%
Luana Savings Bank-0.19%(4.5)7.17%
Collins Community Credit Union-0.16%(4.5)2.44%
Community Choice Credit Union-0.14%(4.0)2.08%
Iowa Bankers Mortgage Corporation-0.13%(4.0)12.53%
GreenState Credit Union-0.07%(4.0)9.87%
Land Home Financial Services-0.05%(4.0)2.12%
MidWestOne Bank-0.03%(3.5)0.33%
Premier Credit Union-0.01%(3.5)0.61%
Bank Iowa-0.01%(3.5)0.77%
Financial Plus Credit Union – Iowa-0.00%(3.5)0.46%
Carrington Mortgage Services0.00%(3.5)0.15%
Fidelity Bank Iowa0.01%(3.5)4.31%
Northwest Bank IA0.01%(3.5)1.90%
Great Southern Bank0.01%(3.5)0.23%
Central Bank0.02%(3.5)0.65%
Deere Employees Credit Union0.02%(3.5)0.31%
Amerisave Mortgage Corporation0.02%(3.5)0.15%
The Federal Savings Bank0.03%(3.5)0.02%
SunTrust Bank0.03%(3.5)0.45%
Home Point Financial Corporation0.03%(3.5)0.01%
Gershman Mortgage0.03%(3.5)2.30%
Lincoln Savings Bank0.03%(3.5)3.97%
Greater Iowa Credit Union0.03%(3.5)0.83%
Bank of America0.04%(3.5)0.45%
Caliber Home Loans0.04%(3.5)0.12%
HomeServices Lending0.04%(3.5)5.69%
Navy Federal Credit Union0.06%(3.0)0.04%
Movement Mortgage0.08%(3.0)0.18%
American Pacific Mortgage0.08%(3.0)0.33%
Chickasaw Community Bank0.09%(3.0)0.16%
CMG Financial0.09%(3.0)0.37%
Bankers Trust0.10%(3.0)3.72%
JPMorgan Chase Bank0.10%(3.0)0.27%
New American Funding0.11%(3.0)0.20%
Great Western Bank0.12%(3.0)0.63%
Inlanta Mortgage0.13%(3.0)0.96%
US Bank0.13%(3.0)4.76%
Wells Fargo Bank0.13%(3.0)7.62%
Flagstar Bank0.13%(3.0)0.78%
Guild Mortgage Company0.14%(3.0)0.48%
PennyMac Loan Services0.14%(3.0)0.09%
Panorama Mortgage Group0.14%(3.0)0.46%
Homeside Financial0.15%(2.5)0.86%
Finance of America Mortgage0.15%(2.5)0.46%
Fairway Independent Mortgage Corporation0.17%(2.5)1.73%
Barrington Bank & Trust0.17%(2.5)0.27%
Waterstone Mortgage Corporation0.17%(2.5)0.12%
Mid America Mortgage0.18%(2.5)0.20%
Bank in San Ramon0.18%(2.5)0.56%
First Community Mortgage0.19%(2.5)1.49%
Stearns Home Loans0.19%(2.5)0.70%
Freedom Mortgage Corporation0.20%(2.5)0.44%
Quicken Loans0.44%(1.5)3.97%
Mr. Cooper0.49%(1.0)0.31%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.24%(4.5)7.16%
DHI Mortgage Company Limited-0.22%(4.5)0.89%
Community Choice Credit Union-0.16%(4.5)1.27%
Collins Community Credit Union-0.10%(4.0)2.45%
Luana Savings Bank-0.07%(4.0)3.94%
Bank of America-0.06%(4.0)0.38%
Iowa Bankers Mortgage Corporation-0.06%(4.0)10.76%
GreenState Credit Union-0.05%(4.0)8.78%
Land Home Financial Services-0.03%(3.5)2.82%
SunTrust Bank-0.03%(3.5)0.37%
MidWestOne Bank-0.03%(3.5)0.42%
Bank Iowa-0.02%(3.5)0.73%
Great Southern Bank-0.02%(3.5)0.21%
Fidelity Bank Iowa-0.02%(3.5)4.96%
Central Bank-0.00%(3.5)0.70%
Premier Credit Union0.01%(3.5)0.22%
Wells Fargo Bank0.01%(3.5)8.43%
Northwest Bank IA0.01%(3.5)1.67%
Great Western Bank0.01%(3.5)0.63%
Greater Iowa Credit Union0.01%(3.5)0.73%
PennyMac Loan Services0.01%(3.5)0.01%
US Bank0.02%(3.5)5.32%
Financial Plus Credit Union – Iowa0.02%(3.5)0.26%
The Federal Savings Bank0.02%(3.5)0.01%
Home Point Financial Corporation0.03%(3.5)0.01%
Amerisave Mortgage Corporation0.03%(3.5)0.01%
Lincoln Savings Bank0.04%(3.5)5.04%
Deere Employees Credit Union0.04%(3.5)0.38%
HomeServices Lending0.04%(3.5)8.32%
Caliber Home Loans0.04%(3.5)0.02%
Gershman Mortgage0.05%(3.0)2.63%
Navy Federal Credit Union0.06%(3.0)0.04%
Mr. Cooper0.06%(3.0)0.04%
JPMorgan Chase Bank0.07%(3.0)0.28%
Chickasaw Community Bank0.07%(3.0)0.18%
Movement Mortgage0.07%(3.0)0.27%
CMG Financial0.09%(3.0)0.53%
American Pacific Mortgage0.11%(3.0)0.41%
Bank in San Ramon0.11%(3.0)0.49%
New American Funding0.11%(3.0)0.31%
Flagstar Bank0.12%(3.0)0.96%
Bankers Trust0.12%(3.0)4.88%
Panorama Mortgage Group0.13%(3.0)0.47%
Inlanta Mortgage0.13%(3.0)1.33%
Homeside Financial0.16%(2.5)1.28%
Guild Mortgage Company0.16%(2.5)0.57%
First Community Mortgage0.18%(2.5)1.60%
Finance of America Mortgage0.18%(2.5)0.46%
Freedom Mortgage Corporation0.19%(2.5)0.44%
Waterstone Mortgage Corporation0.19%(2.5)0.16%
Mid America Mortgage0.19%(2.5)0.30%
Fairway Independent Mortgage Corporation0.19%(2.5)2.33%
Stearns Home Loans0.21%(2.5)0.97%
Barrington Bank & Trust0.21%(2.5)0.36%
Quicken Loans0.26%(2.0)1.59%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.26%(5.0)6.36%
Collins Community Credit Union-0.24%(4.5)2.42%
Luana Savings Bank-0.23%(4.5)11.15%
Iowa Bankers Mortgage Corporation-0.19%(4.5)14.71%
Land Home Financial Services-0.14%(4.0)1.26%
Community Choice Credit Union-0.13%(4.0)3.09%
GreenState Credit Union-0.09%(4.0)11.23%
MidWestOne Bank-0.03%(3.5)0.23%
Deere Employees Credit Union-0.02%(3.5)0.23%
Premier Credit Union-0.01%(3.5)1.08%
Financial Plus Credit Union – Iowa-0.01%(3.5)0.70%
Gershman Mortgage-0.00%(3.5)1.89%
Northwest Bank IA0.00%(3.5)2.18%
Bank Iowa0.01%(3.5)0.82%
Carrington Mortgage Services0.01%(3.5)0.33%
Lincoln Savings Bank0.02%(3.5)2.66%
Bankers Trust0.02%(3.5)2.28%
Amerisave Mortgage Corporation0.03%(3.5)0.32%
American Pacific Mortgage0.03%(3.5)0.24%
DHI Mortgage Company Limited0.03%(3.5)0.02%
The Federal Savings Bank0.03%(3.5)0.03%
Great Southern Bank0.03%(3.5)0.26%
Fidelity Bank Iowa0.04%(3.5)3.51%
Barrington Bank & Trust0.04%(3.5)0.15%
HomeServices Lending0.05%(3.5)2.43%
CMG Financial0.05%(3.5)0.17%
Central Bank0.05%(3.0)0.58%
Caliber Home Loans0.05%(3.0)0.23%
Greater Iowa Credit Union0.06%(3.0)0.96%
Navy Federal Credit Union0.06%(3.0)0.05%
Movement Mortgage0.06%(3.0)0.06%
New American Funding0.06%(3.0)0.08%
SunTrust Bank0.08%(3.0)0.55%
Inlanta Mortgage0.09%(3.0)0.50%
Guild Mortgage Company0.09%(3.0)0.37%
Mid America Mortgage0.09%(3.0)0.08%
Fairway Independent Mortgage Corporation0.10%(3.0)0.99%
Chickasaw Community Bank0.10%(3.0)0.14%
Homeside Financial0.11%(3.0)0.33%
Finance of America Mortgage0.12%(3.0)0.46%
Stearns Home Loans0.12%(3.0)0.37%
Waterstone Mortgage Corporation0.13%(3.0)0.08%
Bank of America0.13%(3.0)0.53%
JPMorgan Chase Bank0.15%(3.0)0.24%
Panorama Mortgage Group0.15%(2.5)0.44%
Flagstar Bank0.16%(2.5)0.55%
PennyMac Loan Services0.16%(2.5)0.18%
First Community Mortgage0.21%(2.5)1.35%
Freedom Mortgage Corporation0.23%(2.5)0.43%
Bank in San Ramon0.25%(2.0)0.65%
Great Western Bank0.26%(2.0)0.62%
US Bank0.31%(2.0)4.06%
Wells Fargo Bank0.32%(2.0)6.62%
Quicken Loans0.49%(1.0)6.92%
Mr. Cooper0.52%(1.0)0.65%
Lender NameRate DifferenceRate RatingMarket Share
Fidelity Bank Iowa-0.21%(4.5)12.48%
Bankers Trust-0.16%(4.5)1.05%
Flagstar Bank-0.11%(4.0)2.19%
Home Point Financial Corporation-0.11%(4.0)1.67%
Gershman Mortgage-0.10%(4.0)6.15%
Movement Mortgage-0.05%(4.0)1.43%
Great Western Bank-0.05%(3.5)0.19%
Lincoln Savings Bank-0.05%(3.5)7.62%
CMG Financial-0.04%(3.5)1.91%
Chickasaw Community Bank-0.04%(3.5)4.48%
US Bank-0.03%(3.5)1.24%
Iowa Bankers Mortgage Corporation-0.03%(3.5)0.52%
Northwest Bank IA-0.03%(3.5)0.57%
Bank in San Ramon-0.03%(3.5)0.48%
PennyMac Loan Services-0.01%(3.5)0.57%
DHI Mortgage Company Limited-0.01%(3.5)0.52%
Bank of America-0.01%(3.5)0.14%
Great Southern Bank-0.00%(3.5)0.14%
First Community Mortgage-0.00%(3.5)1.19%
Freedom Mortgage Corporation-0.00%(3.5)2.48%
Barrington Bank & Trust0.00%(3.5)0.33%
Navy Federal Credit Union0.01%(3.5)0.05%
JPMorgan Chase Bank0.01%(3.5)0.05%
Carrington Mortgage Services0.01%(3.5)1.57%
Wells Fargo Bank0.01%(3.5)0.19%
Caliber Home Loans0.02%(3.5)0.76%
Amerisave Mortgage Corporation0.02%(3.5)0.29%
Guild Mortgage Company0.03%(3.5)2.91%
Panorama Mortgage Group0.04%(3.5)2.48%
Homeside Financial0.04%(3.5)1.91%
Quicken Loans0.05%(3.0)10.43%
American Pacific Mortgage0.07%(3.0)0.91%
HomeServices Lending0.07%(3.0)6.96%
New American Funding0.08%(3.0)1.33%
Mr. Cooper0.08%(3.0)2.05%
Inlanta Mortgage0.10%(3.0)2.00%
Mid America Mortgage0.12%(3.0)1.43%
Land Home Financial Services0.13%(3.0)8.24%
Waterstone Mortgage Corporation0.14%(3.0)0.71%
Fairway Independent Mortgage Corporation0.15%(2.5)4.72%
Finance of America Mortgage0.19%(2.5)1.67%
Stearns Home Loans0.19%(2.5)1.05%
Lender NameRate DifferenceRate RatingMarket Share
Fidelity Bank Iowa-0.22%(4.5)14.62%
Bankers Trust-0.16%(4.5)1.33%
Home Point Financial Corporation-0.12%(4.0)1.84%
Flagstar Bank-0.12%(4.0)2.66%
Gershman Mortgage-0.11%(4.0)7.28%
Movement Mortgage-0.06%(4.0)1.71%
Northwest Bank IA-0.05%(4.0)0.57%
Great Western Bank-0.05%(3.5)0.25%
Lincoln Savings Bank-0.05%(3.5)9.18%
US Bank-0.04%(3.5)1.27%
Bank in San Ramon-0.04%(3.5)0.44%
CMG Financial-0.04%(3.5)2.47%
Iowa Bankers Mortgage Corporation-0.04%(3.5)0.57%
Freedom Mortgage Corporation-0.04%(3.5)2.09%
PennyMac Loan Services-0.03%(3.5)0.25%
Chickasaw Community Bank-0.03%(3.5)4.43%
DHI Mortgage Company Limited-0.01%(3.5)0.70%
Bank of America-0.01%(3.5)0.19%
Great Southern Bank-0.00%(3.5)0.19%
First Community Mortgage-0.00%(3.5)1.27%
Barrington Bank & Trust0.00%(3.5)0.44%
Navy Federal Credit Union0.01%(3.5)0.06%
JPMorgan Chase Bank0.01%(3.5)0.06%
Wells Fargo Bank0.01%(3.5)0.25%
Caliber Home Loans0.01%(3.5)0.13%
Panorama Mortgage Group0.04%(3.5)2.59%
Homeside Financial0.05%(3.5)2.34%
Guild Mortgage Company0.07%(3.0)2.41%
Mr. Cooper0.07%(3.0)0.51%
HomeServices Lending0.08%(3.0)8.92%
New American Funding0.10%(3.0)1.39%
American Pacific Mortgage0.11%(3.0)0.89%
Inlanta Mortgage0.11%(3.0)2.41%
Mid America Mortgage0.12%(3.0)1.84%
Waterstone Mortgage Corporation0.15%(2.5)0.89%
Quicken Loans0.16%(2.5)4.56%
Fairway Independent Mortgage Corporation0.16%(2.5)5.57%
Stearns Home Loans0.19%(2.5)1.39%
Land Home Financial Services0.20%(2.5)7.97%
Finance of America Mortgage0.22%(2.5)1.90%
Lender NameRate DifferenceRate RatingMarket Share
Fidelity Bank Iowa-0.07%(4.0)5.97%
Chickasaw Community Bank-0.06%(4.0)4.62%
Land Home Financial Services-0.05%(4.0)9.06%
Lincoln Savings Bank-0.05%(4.0)2.89%
American Pacific Mortgage-0.04%(3.5)0.96%
Home Point Financial Corporation-0.02%(3.5)1.16%
Guild Mortgage Company-0.02%(3.5)4.43%
Bankers Trust-0.02%(3.5)0.19%
First Community Mortgage-0.01%(3.5)0.96%
PennyMac Loan Services-0.01%(3.5)1.54%
Inlanta Mortgage-0.01%(3.5)0.77%
Homeside Financial-0.01%(3.5)0.58%
US Bank-0.01%(3.5)1.16%
Quicken Loans-0.01%(3.5)28.32%
Iowa Bankers Mortgage Corporation-0.00%(3.5)0.39%
HomeServices Lending0.00%(3.5)0.96%
Mid America Mortgage0.01%(3.5)0.19%
Carrington Mortgage Services0.01%(3.5)6.36%
CMG Financial0.01%(3.5)0.19%
Bank in San Ramon0.01%(3.5)0.58%
Movement Mortgage0.01%(3.5)0.58%
Flagstar Bank0.01%(3.5)0.77%
Gershman Mortgage0.02%(3.5)2.70%
Caliber Home Loans0.02%(3.5)2.70%
New American Funding0.02%(3.5)1.16%
Amerisave Mortgage Corporation0.02%(3.5)1.16%
Northwest Bank IA0.03%(3.5)0.58%
Waterstone Mortgage Corporation0.03%(3.5)0.19%
Finance of America Mortgage0.04%(3.5)0.96%
Panorama Mortgage Group0.05%(3.0)2.12%
Freedom Mortgage Corporation0.06%(3.0)3.66%
Mr. Cooper0.08%(3.0)6.74%
Fairway Independent Mortgage Corporation0.09%(3.0)2.12%
Lender NameRate DifferenceRate RatingMarket Share
Bankers Trust-0.03%(3.5)34.56%
US Bank-0.00%(3.5)20.59%
GreenState Credit Union0.02%(3.5)9.56%
SunTrust Bank0.02%(3.5)1.47%
Bank in San Ramon0.02%(3.5)2.21%
HomeServices Lending0.02%(3.5)3.68%
Wells Fargo Bank0.02%(3.5)14.71%
Fidelity Bank Iowa0.02%(3.5)0.74%
Quicken Loans0.03%(3.5)0.74%
Community Choice Credit Union0.03%(3.5)0.74%
Greater Iowa Credit Union0.03%(3.5)0.74%
American Pacific Mortgage0.03%(3.5)0.74%
Gershman Mortgage0.05%(3.5)0.74%
Bank of America0.05%(3.5)2.94%
Northwest Bank IA0.05%(3.0)2.94%
Stearns Home Loans0.05%(3.0)0.74%
Caliber Home Loans0.09%(3.0)1.47%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.05%(4.0)16.90%
Bankers Trust-0.03%(3.5)38.03%
Bank in San Ramon0.02%(3.5)2.82%
SunTrust Bank0.03%(3.5)2.82%
Wells Fargo Bank0.03%(3.5)19.72%
Fidelity Bank Iowa0.03%(3.5)1.41%
Bank of America0.03%(3.5)1.41%
Greater Iowa Credit Union0.04%(3.5)1.41%
HomeServices Lending0.04%(3.5)1.41%
GreenState Credit Union0.05%(3.5)5.63%
Stearns Home Loans0.06%(3.0)1.41%
Northwest Bank IA0.07%(3.0)4.23%
Caliber Home Loans0.10%(3.0)2.82%
Lender NameRate DifferenceRate RatingMarket Share
Bankers Trust-0.05%(3.5)30.77%
GreenState Credit Union-0.00%(3.5)13.85%
HomeServices Lending0.01%(3.5)6.15%
Wells Fargo Bank0.02%(3.5)9.23%
Quicken Loans0.02%(3.5)1.54%
Community Choice Credit Union0.02%(3.5)1.54%
Bank in San Ramon0.02%(3.5)1.54%
American Pacific Mortgage0.02%(3.5)1.54%
Northwest Bank IA0.03%(3.5)1.54%
US Bank0.03%(3.5)24.62%
Gershman Mortgage0.04%(3.5)1.54%
Bank of America0.04%(3.5)4.62%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.26%(5.0)7.00%
GreenState Credit Union-0.13%(4.0)4.73%
Home Point Financial Corporation-0.11%(4.0)3.46%
Navy Federal Credit Union-0.09%(4.0)2.36%
Iowa Bankers Mortgage Corporation-0.08%(4.0)2.19%
Collins Community Credit Union-0.05%(4.0)1.01%
Fidelity Bank Iowa-0.05%(3.5)3.38%
American Pacific Mortgage-0.04%(3.5)0.76%
DHI Mortgage Company Limited-0.04%(3.5)0.34%
Flagstar Bank-0.04%(3.5)2.11%
Caliber Home Loans-0.02%(3.5)1.43%
Gershman Mortgage-0.02%(3.5)7.43%
Great Western Bank-0.02%(3.5)0.42%
Northwest Bank IA-0.01%(3.5)0.25%
Mid America Mortgage-0.01%(3.5)0.59%
Great Southern Bank-0.01%(3.5)0.17%
Lincoln Savings Bank-0.00%(3.5)6.41%
Movement Mortgage-0.00%(3.5)0.08%
CMG Financial-0.00%(3.5)0.59%
Amerisave Mortgage Corporation0.00%(3.5)0.42%
Finance of America Mortgage0.00%(3.5)0.59%
Land Home Financial Services0.00%(3.5)4.14%
PennyMac Loan Services0.00%(3.5)1.01%
Chickasaw Community Bank0.01%(3.5)2.53%
Panorama Mortgage Group0.02%(3.5)0.51%
Bank in San Ramon0.02%(3.5)0.42%
Wells Fargo Bank0.02%(3.5)2.78%
US Bank0.03%(3.5)2.62%
Bank of America0.03%(3.5)0.08%
Guild Mortgage Company0.04%(3.5)1.43%
Fairway Independent Mortgage Corporation0.04%(3.5)1.27%
Barrington Bank & Trust0.04%(3.5)0.68%
First Community Mortgage0.04%(3.5)0.25%
Carrington Mortgage Services0.05%(3.5)1.01%
Inlanta Mortgage0.05%(3.5)3.12%
Stearns Home Loans0.05%(3.0)0.93%
New American Funding0.06%(3.0)0.76%
Mr. Cooper0.06%(3.0)0.34%
Freedom Mortgage Corporation0.07%(3.0)2.03%
Homeside Financial0.08%(3.0)1.18%
HomeServices Lending0.09%(3.0)8.86%
Waterstone Mortgage Corporation0.12%(3.0)0.51%
The Federal Savings Bank0.13%(3.0)2.45%
Quicken Loans0.18%(2.5)7.51%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.24%(4.5)6.80%
Home Point Financial Corporation-0.13%(4.0)4.53%
GreenState Credit Union-0.12%(4.0)5.24%
Navy Federal Credit Union-0.09%(4.0)3.40%
Iowa Bankers Mortgage Corporation-0.09%(4.0)3.12%
Collins Community Credit Union-0.05%(4.0)1.42%
Fidelity Bank Iowa-0.05%(4.0)4.82%
DHI Mortgage Company Limited-0.03%(3.5)0.57%
Flagstar Bank-0.03%(3.5)2.41%
Caliber Home Loans-0.01%(3.5)0.99%
Great Western Bank-0.01%(3.5)0.42%
Freedom Mortgage Corporation-0.01%(3.5)1.27%
Mid America Mortgage-0.01%(3.5)0.57%
PennyMac Loan Services-0.00%(3.5)0.28%
CMG Financial-0.00%(3.5)0.57%
Great Southern Bank0.00%(3.5)0.14%
American Pacific Mortgage0.01%(3.5)0.28%
Northwest Bank IA0.01%(3.5)0.14%
Chickasaw Community Bank0.01%(3.5)1.70%
Gershman Mortgage0.01%(3.5)7.08%
Finance of America Mortgage0.01%(3.5)0.57%
Bank in San Ramon0.02%(3.5)0.28%
Lincoln Savings Bank0.02%(3.5)7.22%
Panorama Mortgage Group0.02%(3.5)0.57%
Wells Fargo Bank0.03%(3.5)4.39%
Land Home Financial Services0.03%(3.5)5.10%
Carrington Mortgage Services0.03%(3.5)0.28%
Bank of America0.03%(3.5)0.14%
First Community Mortgage0.05%(3.5)0.42%
Fairway Independent Mortgage Corporation0.05%(3.5)1.56%
US Bank0.05%(3.5)3.40%
Barrington Bank & Trust0.05%(3.0)0.99%
Guild Mortgage Company0.05%(3.0)1.56%
Stearns Home Loans0.06%(3.0)1.13%
Quicken Loans0.07%(3.0)2.12%
New American Funding0.08%(3.0)0.85%
Inlanta Mortgage0.08%(3.0)3.40%
Homeside Financial0.09%(3.0)1.70%
Waterstone Mortgage Corporation0.12%(3.0)0.85%
HomeServices Lending0.13%(3.0)12.04%
Lender NameRate DifferenceRate RatingMarket Share
Veridian Credit Union-0.29%(5.0)7.31%
GreenState Credit Union-0.15%(4.5)3.97%
Gershman Mortgage-0.07%(4.0)7.93%
American Pacific Mortgage-0.06%(4.0)1.46%
Land Home Financial Services-0.05%(4.0)2.71%
Lincoln Savings Bank-0.05%(4.0)5.22%
HomeServices Lending-0.05%(4.0)4.18%
Flagstar Bank-0.05%(3.5)1.67%
Great Western Bank-0.04%(3.5)0.42%
Caliber Home Loans-0.04%(3.5)2.09%
Collins Community Credit Union-0.03%(3.5)0.42%
US Bank-0.03%(3.5)1.46%
Home Point Financial Corporation-0.03%(3.5)1.88%
Northwest Bank IA-0.03%(3.5)0.42%
Navy Federal Credit Union-0.02%(3.5)0.84%
Great Southern Bank-0.02%(3.5)0.21%
Iowa Bankers Mortgage Corporation-0.02%(3.5)0.84%
Inlanta Mortgage-0.02%(3.5)2.71%
Mid America Mortgage-0.02%(3.5)0.63%
Finance of America Mortgage-0.01%(3.5)0.63%
Movement Mortgage-0.01%(3.5)0.21%
Barrington Bank & Trust-0.00%(3.5)0.21%
Amerisave Mortgage Corporation-0.00%(3.5)1.04%
Fidelity Bank Iowa-0.00%(3.5)1.25%
PennyMac Loan Services-0.00%(3.5)2.09%
CMG Financial-0.00%(3.5)0.63%
Panorama Mortgage Group0.00%(3.5)0.42%
Homeside Financial0.00%(3.5)0.42%
Chickasaw Community Bank0.00%(3.5)3.76%
Guild Mortgage Company0.01%(3.5)1.25%
New American Funding0.01%(3.5)0.63%
Wells Fargo Bank0.02%(3.5)0.42%
Bank in San Ramon0.02%(3.5)0.63%
Fairway Independent Mortgage Corporation0.02%(3.5)0.84%
Stearns Home Loans0.03%(3.5)0.63%
Carrington Mortgage Services0.04%(3.5)2.09%
Mr. Cooper0.05%(3.0)0.84%
Freedom Mortgage Corporation0.12%(3.0)3.13%
The Federal Savings Bank0.12%(3.0)6.05%
Quicken Loans0.19%(2.5)15.45%

* Data is compiled for the Des Moines, IA commuting zone area, which comprises of counties of Adair County, IA, Boone County, IA, Dallas County, IA, Guthrie County, IA, Madison County, IA, Polk County, IA, Story County, IA, and Warren County, IA. This includes cities/towns/communities of Des Moines, IA as well as Polk City, IA, Johnston, IA, Waukee, IA, Ankeny, IA, Altoona, IA, West Des Moines, IA, Ames, IA, West Des Moines, IA, Urbandale, IA, Norwalk, IA, Clive, IA, Boone, IA, Adel, IA, Indianola, IA, Urbandale, IA, Pleasant Hill, IA, Elkhart, IA, Carlisle, IA, Cambridge, IA, Perry, IA, Clive, IA, St. Charles, IA, Spring Hill, IA, Winterset, IA, Nevada, IA, Carlisle, IA, Milo, IA, Bagley, IA, Story City, IA, Ackworth, IA, Bevington, IA, Stuart, IA, Maxwell, IA, Redfield, IA, Beaver, IA, Fraser, IA, Linden, IA, Hartford, IA, Zearing, IA, Fontanelle, IA, Berkley, IA, Adair, IA, Bayard, IA, and Orient, IA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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