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, MortgageWaldo.com 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:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market 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 IA	0.00%	(3.5)	1.65%
Chickasaw Community Bank	0.00%	(3.5)	0.82%
Great Southern Bank	0.00%	(3.5)	0.22%
Movement Mortgage	0.01%	(3.5)	0.31%
Land Home Financial Services	0.01%	(3.5)	2.95%
Central Bank	0.01%	(3.5)	0.52%
Lincoln Savings Bank	0.02%	(3.5)	4.53%
Deere Employees Credit Union	0.02%	(3.5)	0.25%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.18%
Carrington Mortgage Services	0.02%	(3.5)	0.37%
SunTrust Bank	0.03%	(3.5)	0.38%
Caliber Home Loans	0.03%	(3.5)	0.29%
Greater Iowa Credit Union	0.03%	(3.5)	0.68%
CMG Financial	0.04%	(3.5)	0.56%
Bank of America	0.04%	(3.5)	0.41%
Flagstar Bank	0.05%	(3.0)	1.02%
HomeServices Lending	0.05%	(3.0)	6.03%
PennyMac Loan Services	0.06%	(3.0)	0.20%
American Pacific Mortgage	0.07%	(3.0)	0.43%
Bankers Trust	0.08%	(3.0)	3.39%
Guild Mortgage Company	0.09%	(3.0)	0.82%
JPMorgan Chase Bank	0.09%	(3.0)	0.22%
USAA	0.09%	(3.0)	0.46%
Panorama Mortgage Group	0.10%	(3.0)	0.69%
New American Funding	0.10%	(3.0)	0.37%
Great Western Bank	0.11%	(3.0)	0.56%
Inlanta Mortgage	0.11%	(3.0)	1.21%
Freedom Mortgage Corporation	0.11%	(3.0)	0.77%
US Bank	0.11%	(3.0)	4.33%
Wells Fargo Bank	0.12%	(3.0)	6.50%
Homeside Financial	0.12%	(3.0)	0.99%
Barrington Bank & Trust	0.13%	(3.0)	0.30%
Mid America Mortgage	0.14%	(3.0)	0.36%
The Federal Savings Bank	0.14%	(3.0)	0.18%
Bank in San Ramon	0.15%	(3.0)	0.56%
loanDepot	0.15%	(2.5)	0.70%
Finance of America Mortgage	0.16%	(2.5)	0.60%
Waterstone Mortgage Corporation	0.16%	(2.5)	0.22%
Fairway Independent Mortgage Corporation	0.16%	(2.5)	2.03%
First Community Mortgage	0.17%	(2.5)	1.36%
Stearns Home Loans	0.18%	(2.5)	0.76%
Mr. Cooper	0.29%	(2.0)	0.51%
Quicken Loans	0.32%	(2.0)	4.93%

Lender Name	Rate Difference	Rate Rating	Market 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 Mortgage	0.00%	(3.5)	0.47%
Premier Credit Union	0.00%	(3.5)	0.17%
Great Western Bank	0.01%	(3.5)	0.55%
Wells Fargo Bank	0.01%	(3.5)	7.00%
Northwest Bank IA	0.01%	(3.5)	1.42%
Greater Iowa Credit Union	0.01%	(3.5)	0.57%
US Bank	0.01%	(3.5)	4.66%
Financial Plus Credit Union – Iowa	0.02%	(3.5)	0.20%
The Federal Savings Bank	0.02%	(3.5)	0.01%
Lincoln Savings Bank	0.02%	(3.5)	5.77%
loanDepot	0.02%	(3.5)	0.05%
Caliber Home Loans	0.02%	(3.5)	0.12%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.01%
Flagstar Bank	0.03%	(3.5)	1.31%
CMG Financial	0.03%	(3.5)	0.82%
Deere Employees Credit Union	0.04%	(3.5)	0.30%
Carrington Mortgage Services	0.05%	(3.5)	0.02%
Land Home Financial Services	0.05%	(3.0)	3.73%
HomeServices Lending	0.05%	(3.0)	8.62%
JPMorgan Chase Bank	0.06%	(3.0)	0.23%
Mr. Cooper	0.07%	(3.0)	0.10%
Freedom Mortgage Corporation	0.07%	(3.0)	0.74%
Bank in San Ramon	0.08%	(3.0)	0.49%
Panorama Mortgage Group	0.08%	(3.0)	0.79%
Bankers Trust	0.10%	(3.0)	4.24%
American Pacific Mortgage	0.10%	(3.0)	0.47%
New American Funding	0.11%	(3.0)	0.51%
Guild Mortgage Company	0.11%	(3.0)	0.91%
USAA	0.11%	(3.0)	0.54%
Inlanta Mortgage	0.12%	(3.0)	1.62%
Homeside Financial	0.13%	(3.0)	1.46%
Mid America Mortgage	0.14%	(3.0)	0.54%
First Community Mortgage	0.15%	(2.5)	1.46%
Barrington Bank & Trust	0.16%	(2.5)	0.41%
Waterstone Mortgage Corporation	0.16%	(2.5)	0.31%
Fairway Independent Mortgage Corporation	0.18%	(2.5)	2.75%
Finance of America Mortgage	0.19%	(2.5)	0.68%
Stearns Home Loans	0.20%	(2.5)	1.05%
Quicken Loans	0.21%	(2.5)	2.06%

Lender Name	Rate Difference	Rate Rating	Market 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 IA	0.00%	(3.5)	1.95%
Bank Iowa	0.00%	(3.5)	0.71%
American Pacific Mortgage	0.00%	(3.5)	0.38%
Home Point Financial Corporation	0.01%	(3.5)	0.20%
Lincoln Savings Bank	0.01%	(3.5)	2.82%
Chickasaw Community Bank	0.01%	(3.5)	0.67%
Bankers Trust	0.01%	(3.5)	2.24%
Fidelity Bank Iowa	0.02%	(3.5)	3.51%
DHI Mortgage Company Limited	0.03%	(3.5)	0.01%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.42%
Carrington Mortgage Services	0.03%	(3.5)	0.85%
Navy Federal Credit Union	0.03%	(3.5)	0.09%
Great Southern Bank	0.03%	(3.5)	0.24%
Caliber Home Loans	0.03%	(3.5)	0.51%
Barrington Bank & Trust	0.03%	(3.5)	0.14%
HomeServices Lending	0.04%	(3.5)	2.48%
CMG Financial	0.04%	(3.5)	0.20%
Movement Mortgage	0.04%	(3.5)	0.10%
Guild Mortgage Company	0.05%	(3.5)	0.69%
Central Bank	0.05%	(3.5)	0.50%
USAA	0.05%	(3.5)	0.35%
New American Funding	0.05%	(3.5)	0.18%
Greater Iowa Credit Union	0.05%	(3.0)	0.83%
Mid America Mortgage	0.06%	(3.0)	0.12%
Inlanta Mortgage	0.06%	(3.0)	0.65%
SunTrust Bank	0.07%	(3.0)	0.47%
PennyMac Loan Services	0.08%	(3.0)	0.39%
Homeside Financial	0.09%	(3.0)	0.35%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	1.05%
Finance of America Mortgage	0.10%	(3.0)	0.50%
Waterstone Mortgage Corporation	0.11%	(3.0)	0.08%
Stearns Home Loans	0.11%	(3.0)	0.35%
Flagstar Bank	0.12%	(3.0)	0.63%
Panorama Mortgage Group	0.12%	(3.0)	0.55%
Bank of America	0.12%	(3.0)	0.50%
JPMorgan Chase Bank	0.14%	(3.0)	0.21%
The Federal Savings Bank	0.15%	(2.5)	0.41%
loanDepot	0.16%	(2.5)	1.58%
Freedom Mortgage Corporation	0.16%	(2.5)	0.81%
First Community Mortgage	0.20%	(2.5)	1.23%
Bank in San Ramon	0.22%	(2.5)	0.65%
Great Western Bank	0.24%	(2.5)	0.56%
US Bank	0.28%	(2.0)	3.88%
Wells Fargo Bank	0.31%	(2.0)	5.80%
Mr. Cooper	0.32%	(2.0)	1.07%
Quicken Loans	0.36%	(1.5)	8.87%

Lender Name	Rate Difference	Rate Rating	Market 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 Services	0.00%	(3.5)	0.15%
Fidelity Bank Iowa	0.01%	(3.5)	4.31%
Northwest Bank IA	0.01%	(3.5)	1.90%
Great Southern Bank	0.01%	(3.5)	0.23%
Central Bank	0.02%	(3.5)	0.65%
Deere Employees Credit Union	0.02%	(3.5)	0.31%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.15%
The Federal Savings Bank	0.03%	(3.5)	0.02%
SunTrust Bank	0.03%	(3.5)	0.45%
Home Point Financial Corporation	0.03%	(3.5)	0.01%
Gershman Mortgage	0.03%	(3.5)	2.30%
Lincoln Savings Bank	0.03%	(3.5)	3.97%
Greater Iowa Credit Union	0.03%	(3.5)	0.83%
Bank of America	0.04%	(3.5)	0.45%
Caliber Home Loans	0.04%	(3.5)	0.12%
HomeServices Lending	0.04%	(3.5)	5.69%
Navy Federal Credit Union	0.06%	(3.0)	0.04%
Movement Mortgage	0.08%	(3.0)	0.18%
American Pacific Mortgage	0.08%	(3.0)	0.33%
Chickasaw Community Bank	0.09%	(3.0)	0.16%
CMG Financial	0.09%	(3.0)	0.37%
Bankers Trust	0.10%	(3.0)	3.72%
JPMorgan Chase Bank	0.10%	(3.0)	0.27%
New American Funding	0.11%	(3.0)	0.20%
Great Western Bank	0.12%	(3.0)	0.63%
USAA	0.12%	(3.0)	0.16%
Inlanta Mortgage	0.13%	(3.0)	0.96%
US Bank	0.13%	(3.0)	4.76%
Wells Fargo Bank	0.13%	(3.0)	7.62%
Flagstar Bank	0.13%	(3.0)	0.78%
Guild Mortgage Company	0.14%	(3.0)	0.48%
PennyMac Loan Services	0.14%	(3.0)	0.09%
Panorama Mortgage Group	0.14%	(3.0)	0.46%
Homeside Financial	0.15%	(2.5)	0.86%
Finance of America Mortgage	0.15%	(2.5)	0.46%
Fairway Independent Mortgage Corporation	0.17%	(2.5)	1.73%
Barrington Bank & Trust	0.17%	(2.5)	0.27%
Waterstone Mortgage Corporation	0.17%	(2.5)	0.12%
Mid America Mortgage	0.18%	(2.5)	0.20%
Bank in San Ramon	0.18%	(2.5)	0.56%
First Community Mortgage	0.19%	(2.5)	1.49%
Stearns Home Loans	0.19%	(2.5)	0.70%
Freedom Mortgage Corporation	0.20%	(2.5)	0.44%
loanDepot	0.21%	(2.5)	0.50%
Quicken Loans	0.44%	(1.5)	3.97%
Mr. Cooper	0.49%	(1.0)	0.31%

Lender Name	Rate Difference	Rate Rating	Market 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 Union	0.01%	(3.5)	0.22%
Wells Fargo Bank	0.01%	(3.5)	8.43%
loanDepot	0.01%	(3.5)	0.02%
Northwest Bank IA	0.01%	(3.5)	1.67%
Great Western Bank	0.01%	(3.5)	0.63%
Greater Iowa Credit Union	0.01%	(3.5)	0.73%
PennyMac Loan Services	0.01%	(3.5)	0.01%
US Bank	0.02%	(3.5)	5.32%
Financial Plus Credit Union – Iowa	0.02%	(3.5)	0.26%
The Federal Savings Bank	0.02%	(3.5)	0.01%
Home Point Financial Corporation	0.03%	(3.5)	0.01%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.01%
Lincoln Savings Bank	0.04%	(3.5)	5.04%
Deere Employees Credit Union	0.04%	(3.5)	0.38%
HomeServices Lending	0.04%	(3.5)	8.32%
Caliber Home Loans	0.04%	(3.5)	0.02%
Gershman Mortgage	0.05%	(3.0)	2.63%
Navy Federal Credit Union	0.06%	(3.0)	0.04%
Mr. Cooper	0.06%	(3.0)	0.04%
JPMorgan Chase Bank	0.07%	(3.0)	0.28%
Chickasaw Community Bank	0.07%	(3.0)	0.18%
Movement Mortgage	0.07%	(3.0)	0.27%
CMG Financial	0.09%	(3.0)	0.53%
American Pacific Mortgage	0.11%	(3.0)	0.41%
Bank in San Ramon	0.11%	(3.0)	0.49%
New American Funding	0.11%	(3.0)	0.31%
Flagstar Bank	0.12%	(3.0)	0.96%
Bankers Trust	0.12%	(3.0)	4.88%
Panorama Mortgage Group	0.13%	(3.0)	0.47%
Inlanta Mortgage	0.13%	(3.0)	1.33%
USAA	0.14%	(3.0)	0.21%
Homeside Financial	0.16%	(2.5)	1.28%
Guild Mortgage Company	0.16%	(2.5)	0.57%
First Community Mortgage	0.18%	(2.5)	1.60%
Finance of America Mortgage	0.18%	(2.5)	0.46%
Freedom Mortgage Corporation	0.19%	(2.5)	0.44%
Waterstone Mortgage Corporation	0.19%	(2.5)	0.16%
Mid America Mortgage	0.19%	(2.5)	0.30%
Fairway Independent Mortgage Corporation	0.19%	(2.5)	2.33%
Stearns Home Loans	0.21%	(2.5)	0.97%
Barrington Bank & Trust	0.21%	(2.5)	0.36%
Quicken Loans	0.26%	(2.0)	1.59%

Lender Name	Rate Difference	Rate Rating	Market 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 IA	0.00%	(3.5)	2.18%
Bank Iowa	0.01%	(3.5)	0.82%
Carrington Mortgage Services	0.01%	(3.5)	0.33%
Lincoln Savings Bank	0.02%	(3.5)	2.66%
Bankers Trust	0.02%	(3.5)	2.28%
Amerisave Mortgage Corporation	0.03%	(3.5)	0.32%
American Pacific Mortgage	0.03%	(3.5)	0.24%
DHI Mortgage Company Limited	0.03%	(3.5)	0.02%
The Federal Savings Bank	0.03%	(3.5)	0.03%
Great Southern Bank	0.03%	(3.5)	0.26%
Fidelity Bank Iowa	0.04%	(3.5)	3.51%
Barrington Bank & Trust	0.04%	(3.5)	0.15%
HomeServices Lending	0.05%	(3.5)	2.43%
CMG Financial	0.05%	(3.5)	0.17%
Central Bank	0.05%	(3.0)	0.58%
Caliber Home Loans	0.05%	(3.0)	0.23%
Greater Iowa Credit Union	0.06%	(3.0)	0.96%
Navy Federal Credit Union	0.06%	(3.0)	0.05%
Movement Mortgage	0.06%	(3.0)	0.06%
USAA	0.06%	(3.0)	0.09%
New American Funding	0.06%	(3.0)	0.08%
SunTrust Bank	0.08%	(3.0)	0.55%
Inlanta Mortgage	0.09%	(3.0)	0.50%
Guild Mortgage Company	0.09%	(3.0)	0.37%
Mid America Mortgage	0.09%	(3.0)	0.08%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	0.99%
Chickasaw Community Bank	0.10%	(3.0)	0.14%
Homeside Financial	0.11%	(3.0)	0.33%
Finance of America Mortgage	0.12%	(3.0)	0.46%
Stearns Home Loans	0.12%	(3.0)	0.37%
Waterstone Mortgage Corporation	0.13%	(3.0)	0.08%
Bank of America	0.13%	(3.0)	0.53%
JPMorgan Chase Bank	0.15%	(3.0)	0.24%
Panorama Mortgage Group	0.15%	(2.5)	0.44%
Flagstar Bank	0.16%	(2.5)	0.55%
PennyMac Loan Services	0.16%	(2.5)	0.18%
First Community Mortgage	0.21%	(2.5)	1.35%
Freedom Mortgage Corporation	0.23%	(2.5)	0.43%
loanDepot	0.23%	(2.5)	1.08%
Bank in San Ramon	0.25%	(2.0)	0.65%
Great Western Bank	0.26%	(2.0)	0.62%
US Bank	0.31%	(2.0)	4.06%
Wells Fargo Bank	0.32%	(2.0)	6.62%
Quicken Loans	0.49%	(1.0)	6.92%
Mr. Cooper	0.52%	(1.0)	0.65%

Lender Name	Rate Difference	Rate Rating	Market 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 & Trust	0.00%	(3.5)	0.33%
Navy Federal Credit Union	0.01%	(3.5)	0.05%
JPMorgan Chase Bank	0.01%	(3.5)	0.05%
Carrington Mortgage Services	0.01%	(3.5)	1.57%
Wells Fargo Bank	0.01%	(3.5)	0.19%
Caliber Home Loans	0.02%	(3.5)	0.76%
Amerisave Mortgage Corporation	0.02%	(3.5)	0.29%
Guild Mortgage Company	0.03%	(3.5)	2.91%
Panorama Mortgage Group	0.04%	(3.5)	2.48%
Homeside Financial	0.04%	(3.5)	1.91%
Quicken Loans	0.05%	(3.0)	10.43%
American Pacific Mortgage	0.07%	(3.0)	0.91%
HomeServices Lending	0.07%	(3.0)	6.96%
New American Funding	0.08%	(3.0)	1.33%
Mr. Cooper	0.08%	(3.0)	2.05%
loanDepot	0.09%	(3.0)	0.95%
Inlanta Mortgage	0.10%	(3.0)	2.00%
Mid America Mortgage	0.12%	(3.0)	1.43%
Land Home Financial Services	0.13%	(3.0)	8.24%
Waterstone Mortgage Corporation	0.14%	(3.0)	0.71%
Fairway Independent Mortgage Corporation	0.15%	(2.5)	4.72%
Finance of America Mortgage	0.19%	(2.5)	1.67%
Stearns Home Loans	0.19%	(2.5)	1.05%

Lender Name	Rate Difference	Rate Rating	Market 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 & Trust	0.00%	(3.5)	0.44%
Navy Federal Credit Union	0.01%	(3.5)	0.06%
JPMorgan Chase Bank	0.01%	(3.5)	0.06%
Wells Fargo Bank	0.01%	(3.5)	0.25%
Caliber Home Loans	0.01%	(3.5)	0.13%
loanDepot	0.02%	(3.5)	0.19%
Panorama Mortgage Group	0.04%	(3.5)	2.59%
Homeside Financial	0.05%	(3.5)	2.34%
Guild Mortgage Company	0.07%	(3.0)	2.41%
Mr. Cooper	0.07%	(3.0)	0.51%
HomeServices Lending	0.08%	(3.0)	8.92%
New American Funding	0.10%	(3.0)	1.39%
American Pacific Mortgage	0.11%	(3.0)	0.89%
Inlanta Mortgage	0.11%	(3.0)	2.41%
Mid America Mortgage	0.12%	(3.0)	1.84%
Waterstone Mortgage Corporation	0.15%	(2.5)	0.89%
Quicken Loans	0.16%	(2.5)	4.56%
Fairway Independent Mortgage Corporation	0.16%	(2.5)	5.57%
Stearns Home Loans	0.19%	(2.5)	1.39%
Land Home Financial Services	0.20%	(2.5)	7.97%
Finance of America Mortgage	0.22%	(2.5)	1.90%

Lender Name	Rate Difference	Rate Rating	Market 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 Lending	0.00%	(3.5)	0.96%
Mid America Mortgage	0.01%	(3.5)	0.19%
Carrington Mortgage Services	0.01%	(3.5)	6.36%
CMG Financial	0.01%	(3.5)	0.19%
Bank in San Ramon	0.01%	(3.5)	0.58%
Movement Mortgage	0.01%	(3.5)	0.58%
Flagstar Bank	0.01%	(3.5)	0.77%
Gershman Mortgage	0.02%	(3.5)	2.70%
Caliber Home Loans	0.02%	(3.5)	2.70%
New American Funding	0.02%	(3.5)	1.16%
Amerisave Mortgage Corporation	0.02%	(3.5)	1.16%
Northwest Bank IA	0.03%	(3.5)	0.58%
Waterstone Mortgage Corporation	0.03%	(3.5)	0.19%
Finance of America Mortgage	0.04%	(3.5)	0.96%
Panorama Mortgage Group	0.05%	(3.0)	2.12%
Freedom Mortgage Corporation	0.06%	(3.0)	3.66%
Mr. Cooper	0.08%	(3.0)	6.74%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	2.12%
loanDepot	0.10%	(3.0)	3.28%

Lender Name	Rate Difference	Rate Rating	Market Share
Bankers Trust	-0.03%	(3.5)	34.56%
US Bank	-0.00%	(3.5)	20.59%
GreenState Credit Union	0.02%	(3.5)	9.56%
SunTrust Bank	0.02%	(3.5)	1.47%
Bank in San Ramon	0.02%	(3.5)	2.21%
HomeServices Lending	0.02%	(3.5)	3.68%
Wells Fargo Bank	0.02%	(3.5)	14.71%
Fidelity Bank Iowa	0.02%	(3.5)	0.74%
Quicken Loans	0.03%	(3.5)	0.74%
Community Choice Credit Union	0.03%	(3.5)	0.74%
Greater Iowa Credit Union	0.03%	(3.5)	0.74%
American Pacific Mortgage	0.03%	(3.5)	0.74%
loanDepot	0.04%	(3.5)	0.74%
Gershman Mortgage	0.05%	(3.5)	0.74%
Bank of America	0.05%	(3.5)	2.94%
Northwest Bank IA	0.05%	(3.0)	2.94%
Stearns Home Loans	0.05%	(3.0)	0.74%
Caliber Home Loans	0.09%	(3.0)	1.47%

Lender Name	Rate Difference	Rate Rating	Market Share
US Bank	-0.05%	(4.0)	16.90%
Bankers Trust	-0.03%	(3.5)	38.03%
Bank in San Ramon	0.02%	(3.5)	2.82%
SunTrust Bank	0.03%	(3.5)	2.82%
Wells Fargo Bank	0.03%	(3.5)	19.72%
Fidelity Bank Iowa	0.03%	(3.5)	1.41%
Bank of America	0.03%	(3.5)	1.41%
Greater Iowa Credit Union	0.04%	(3.5)	1.41%
HomeServices Lending	0.04%	(3.5)	1.41%
GreenState Credit Union	0.05%	(3.5)	5.63%
Stearns Home Loans	0.06%	(3.0)	1.41%
Northwest Bank IA	0.07%	(3.0)	4.23%
Caliber Home Loans	0.10%	(3.0)	2.82%

Lender Name	Rate Difference	Rate Rating	Market Share
Bankers Trust	-0.05%	(3.5)	30.77%
GreenState Credit Union	-0.00%	(3.5)	13.85%
HomeServices Lending	0.01%	(3.5)	6.15%
Wells Fargo Bank	0.02%	(3.5)	9.23%
Quicken Loans	0.02%	(3.5)	1.54%
Community Choice Credit Union	0.02%	(3.5)	1.54%
Bank in San Ramon	0.02%	(3.5)	1.54%
American Pacific Mortgage	0.02%	(3.5)	1.54%
Northwest Bank IA	0.03%	(3.5)	1.54%
loanDepot	0.03%	(3.5)	1.54%
US Bank	0.03%	(3.5)	24.62%
Gershman Mortgage	0.04%	(3.5)	1.54%
Bank of America	0.04%	(3.5)	4.62%

Lender Name	Rate Difference	Rate Rating	Market 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 Corporation	0.00%	(3.5)	0.42%
Finance of America Mortgage	0.00%	(3.5)	0.59%
Land Home Financial Services	0.00%	(3.5)	4.14%
PennyMac Loan Services	0.00%	(3.5)	1.01%
Chickasaw Community Bank	0.01%	(3.5)	2.53%
Panorama Mortgage Group	0.02%	(3.5)	0.51%
Bank in San Ramon	0.02%	(3.5)	0.42%
Wells Fargo Bank	0.02%	(3.5)	2.78%
loanDepot	0.02%	(3.5)	2.70%
US Bank	0.03%	(3.5)	2.62%
Bank of America	0.03%	(3.5)	0.08%
Guild Mortgage Company	0.04%	(3.5)	1.43%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	1.27%
Barrington Bank & Trust	0.04%	(3.5)	0.68%
First Community Mortgage	0.04%	(3.5)	0.25%
Carrington Mortgage Services	0.05%	(3.5)	1.01%
Inlanta Mortgage	0.05%	(3.5)	3.12%
Stearns Home Loans	0.05%	(3.0)	0.93%
New American Funding	0.06%	(3.0)	0.76%
Mr. Cooper	0.06%	(3.0)	0.34%
USAA	0.06%	(3.0)	5.15%
Freedom Mortgage Corporation	0.07%	(3.0)	2.03%
Homeside Financial	0.08%	(3.0)	1.18%
HomeServices Lending	0.09%	(3.0)	8.86%
Waterstone Mortgage Corporation	0.12%	(3.0)	0.51%
The Federal Savings Bank	0.13%	(3.0)	2.45%
Quicken Loans	0.18%	(2.5)	7.51%

Lender Name	Rate Difference	Rate Rating	Market 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 Bank	0.00%	(3.5)	0.14%
American Pacific Mortgage	0.01%	(3.5)	0.28%
Northwest Bank IA	0.01%	(3.5)	0.14%
Chickasaw Community Bank	0.01%	(3.5)	1.70%
Gershman Mortgage	0.01%	(3.5)	7.08%
Finance of America Mortgage	0.01%	(3.5)	0.57%
Bank in San Ramon	0.02%	(3.5)	0.28%
Lincoln Savings Bank	0.02%	(3.5)	7.22%
Panorama Mortgage Group	0.02%	(3.5)	0.57%
Wells Fargo Bank	0.03%	(3.5)	4.39%
Land Home Financial Services	0.03%	(3.5)	5.10%
Carrington Mortgage Services	0.03%	(3.5)	0.28%
Bank of America	0.03%	(3.5)	0.14%
First Community Mortgage	0.05%	(3.5)	0.42%
Fairway Independent Mortgage Corporation	0.05%	(3.5)	1.56%
US Bank	0.05%	(3.5)	3.40%
Barrington Bank & Trust	0.05%	(3.0)	0.99%
Guild Mortgage Company	0.05%	(3.0)	1.56%
Stearns Home Loans	0.06%	(3.0)	1.13%
Quicken Loans	0.07%	(3.0)	2.12%
New American Funding	0.08%	(3.0)	0.85%
Inlanta Mortgage	0.08%	(3.0)	3.40%
USAA	0.09%	(3.0)	5.67%
Homeside Financial	0.09%	(3.0)	1.70%
Waterstone Mortgage Corporation	0.12%	(3.0)	0.85%
HomeServices Lending	0.13%	(3.0)	12.04%

Lender Name	Rate Difference	Rate Rating	Market 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 Group	0.00%	(3.5)	0.42%
Homeside Financial	0.00%	(3.5)	0.42%
Chickasaw Community Bank	0.00%	(3.5)	3.76%
USAA	0.01%	(3.5)	4.38%
Guild Mortgage Company	0.01%	(3.5)	1.25%
New American Funding	0.01%	(3.5)	0.63%
loanDepot	0.02%	(3.5)	6.68%
Wells Fargo Bank	0.02%	(3.5)	0.42%
Bank in San Ramon	0.02%	(3.5)	0.63%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	0.84%
Stearns Home Loans	0.03%	(3.5)	0.63%
Carrington Mortgage Services	0.04%	(3.5)	2.09%
Mr. Cooper	0.05%	(3.0)	0.84%
Freedom Mortgage Corporation	0.12%	(3.0)	3.13%
The Federal Savings Bank	0.12%	(3.0)	6.05%
Quicken Loans	0.19%	(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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