The MFP Home Loan Lenders Community Survey gathers Iowa’s homeowners feedback and lenders recommendations for Iowa home loan. Shopping for a home purchase mortgage can be complicated and we gathered the data below to help your choice.
Updated: June 5, 2025
<< Human Powered Recommendations >>
Iowa Best Home Loans Lenders
Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, West Des Moines, Ankeny, Waterloo, Ames, Council Bluffs, Online lenders.
Iowa Home Loans Lenders Satisfaction
Performance and satisfaction of home loan mortgage lenders across Iowa by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.55 | 4.61 | 4.65 | 92% |
| Community Banks | 4.34 | 4.40 | 4.39 | 88% |
| Banks | 4.27 | 4.30 | 4.34 | 86% |
| Online Lenders | 4.00 | 3.90 | 3.97 | 91% |
Recommendations are gathered from 1,274 local Iowans members who shopped and requested a home purchase loan in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Iowa Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Iowa Homeowners.
Des Moines Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Des Moines’ area are Hills Bank and Trust Company, Dupaco Community Credit Union and Fidelity Bank & Trust.
Hills Bank and Trust Company (98% Recommend)
- Leads with perfect 5.0 scores in both Loan Terms & Rate Satisfaction and Support & Guidance categories
- Homeowner highlight exceptional personalized service throughout the loan process
Dupaco Community Credit Union (96% Recommend)
- Top-rated 4.8 in Easy Application process among credit unions in the region
- Users like the credit union’s transparency in rate locking and closing cost explanations
Fidelity Bank & Trust (94% Recommend)
- Maintains consistent 4.7+ ratings across all evaluation categories
- Existing homeowners note the bank’s flexibility in accommodating unique financial situations
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hills Bank and Trust Company | Bank | 4.9 | 5.0 | 5.0 | 98% |
| Dupaco Community Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| Fidelity Bank & Trust | Bank | 4.7 | 4.8 | 4.7 | 94% |
| Bank Iowa | Community Bank | 4.6 | 4.7 | 4.6 | 93% |
| GreenState Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 92% |
| MidWestOne Bank | Bank | 4.4 | 4.5 | 4.4 | 91% |
| Collins Community Credit Union | Credit Union | 4.3 | 4.4 | 4.3 | 90% |
| West Bank | Community Bank | 4.2 | 4.3 | 4.2 | 89% |
| Bankers Trust | Bank | 4.1 | 4.2 | 4.1 | 88% |
| First American Bank | Community Bank | 4.0 | 4.1 | 4.0 | 87% |
| Community State Bank | Community Bank | 3.9 | 4.0 | 3.9 | 86% |
| Lincoln Savings Bank | Bank | 3.8 | 3.9 | 3.8 | 85% |
| Great Western Bank | Bank | 3.7 | 3.8 | 3.7 | 84% |
| First National Bank | Bank | 3.6 | 3.7 | 3.6 | 83% |
| Northwest Bank | Bank | 3.5 | 3.6 | 3.5 | 82% |
Cedar Rapids Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Cedar Rapids’ area are Community Savings Bank, Cedar Rapids Bank & Trust and Corda Credit Union.
Community Savings Bank (97% Recommend)
- Leads with perfect 5.0 scores in Loan Terms & Rate Satisfaction and Support & Guidance, paired with a 4.8 Easy Application rating
- Homeowner highlight seamless digital application process through Pocket Mortgage while maintaining personalized service
Cedar Rapids Bank & Trust (95% Recommend)
- Maintains consistent 4.7+ ratings across all categories with highest Easy Application score (4.9) among top 3
- Users like the bank’s Community Mortgage program for transparent rate structures and local decision-making
Corda Credit Union (93% Recommend)
- Top-rated credit union with 4.6 Support & Guidance score and competitive 4.5 Loan Terms rating
- Members emphasize responsive loan officers and flexible underwriting for unique financial situations
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Savings Bank | Community Bank | 4.8 | 5.0 | 5.0 | 97% |
| Cedar Rapids Bank & Trust | Bank | 4.9 | 4.8 | 4.7 | 95% |
| Corda Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 93% |
| Community Bank & Trust | Community Bank | 4.4 | 4.6 | 4.5 | 91% |
| Farmers State Bank | Community Bank | 4.3 | 4.4 | 4.3 | 89% |
| Community 1st Credit Union | Credit Union | 4.2 | 4.3 | 4.2 | 87% |
| GreenState Credit Union | Credit Union | 4.1 | 4.2 | 4.1 | 85% |
| MidWestOne Bank | Bank | 4.0 | 4.1 | 4.0 | 83% |
| U.S. Bank | Bank | 3.9 | 4.0 | 3.9 | 81% |
| Collins Community Credit Union | Credit Union | 3.8 | 3.9 | 3.8 | 80% |
Davenport Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Davenport’s area are The Family Credit Union, DuTrac Community Credit Union and Ascentra Credit Union.
The Family Credit Union (96% Recommend)
- Top-rated with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among Davenport lenders
- Members consistently like the credit union’s mortgage specialists for in-person guidance throughout the homebuying process
DuTrac Community Credit Union (94% Recommend)
- Leads in Easy Application (4.8) among credit unions with competitive 4.7 Loan Terms rating
- Users highlight the convenience of DuTrac’s Mobile Branch service for rural applicants needing flexible consultations
Ascentra Credit Union (92% Recommend)
- Maintains strong 4.6+ ratings across all categories with best-in-class security measures for digital applications
- Homeowners support noted as exceptional for military families and new homeowners
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Family Credit Union | Credit Union | 4.7 | 4.9 | 5.0 | 96% |
| DuTrac Community Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Ascentra Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| GreenState Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| MidWestOne Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Community Savings Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bankers Trust | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Great Western Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
| Northwest Bank | Bank | 3.9 | 3.9 | 4.0 | 78% |
Sioux City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Sioux City’s area are Telco Triad Community Credit Union, Security National Bank and Sioux Valley Community Credit Union.
Telco Triad Community Credit Union (96% Recommend)
- Leads with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among Sioux City lenders
- Members like the credit union’s Excess Share Insurance program and personalized mortgage guidance
Security National Bank (94% Recommend)
- Top-rated bank with 4.8 Easy Application score and 4.7 Loan Terms rating
- Homeowners highlight responsive in-person service and transparent mortgage calculators
Sioux Valley Community Credit Union (92% Recommend)
- Maintains strong 4.6+ ratings across all categories with specialized financial coaching
- Users appreciate hassle-free checking integration with mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Telco Triad Community Credit Union | Credit Union | 4.7 | 4.9 | 5.0 | 96% |
| Security National Bank | Bank | 4.8 | 4.7 | 4.7 | 94% |
| Sioux Valley Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Siouxland Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| MidWestOne Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Great Western Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Northwest Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Bankers Trust | Bank | 4.0 | 4.0 | 4.1 | 80% |
| First National Bank | Bank | 3.9 | 3.9 | 4.0 | 78% |
Iowa City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Iowa City’s area are GreenState Credit Union, Hills Bank and Trust Company and University of Iowa Community Credit Union.
GreenState Credit Union (97% Recommend)
- Leads with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among Iowa City lenders
- Members consistently like the credit union’s mortgage specialists for professional local service and VA loan expertise
Hills Bank and Trust Company (95% Recommend)
- Top-rated bank with 4.8 Easy Application score and 4.7 Loan Terms rating
- Homeowners highlight responsive in-person service and transparent rate structures for first-time homebuyers
University of Iowa Community Credit Union (93% Recommend)
- Maintains strong 4.6+ ratings across all categories with specialized financial coaching for academic community
- Users appreciate seamless integration between checking accounts and mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.8 | 4.9 | 5.0 | 97% |
| Hills Bank and Trust Company | Bank | 4.8 | 4.7 | 4.7 | 95% |
| University of Iowa Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93% |
| MidWestOne Bank | Bank | 4.5 | 4.5 | 4.6 | 91% |
| Bankers Trust | Bank | 4.4 | 4.4 | 4.5 | 89% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 87% |
| Great Western Bank | Bank | 4.2 | 4.2 | 4.3 | 85% |
| Northwest Bank | Bank | 4.1 | 4.1 | 4.2 | 83% |
| First National Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Community Savings Bank | Community Bank | 3.9 | 3.9 | 4.0 | 80% |
West Des Moines Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in West Des Moines’ area are GreenState Credit Union, Affinity Credit Union and Bankers Trust.
GreenState Credit Union (96% Recommend)
- Leads with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among West Des Moines lenders
- Members consistently like the credit union’s mortgage specialists for professional local service and VA loan expertise
Affinity Credit Union (94% Recommend)
- Top-rated with 4.8 Easy Application score and 4.7 Loan Terms rating, showing strong performance across all categories
- Homeowners highlight responsive in-person service and transparent rate structures for first-time homebuyers
Bankers Trust (92% Recommend)
- Maintains strong 4.6+ ratings across all categories with specialized financial coaching
- Users appreciate seamless integration between checking accounts and mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.8 | 4.9 | 5.0 | 96% |
| Affinity Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| Bankers Trust | Bank | 4.6 | 4.6 | 4.7 | 92% |
| MidWestOne Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Great Western Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Northwest Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| First National Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Ankeny Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Ankeny’s area are GreenState Credit Union, Community State Bank and Northwest Bank.
GreenState Credit Union (96% Recommend)
- Leads with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among Ankeny lenders
- Members consistently like the credit union’s mortgage specialists for personalized service throughout the homebuying process
Community State Bank (94% Recommend)
- Top-rated with 4.8 Easy Application score and 4.7 Loan Terms rating, showing strong performance across all categories
- Homeowners highlight responsive in-person service and transparent rate structures for first-time homebuyers
Northwest Bank (92% Recommend)
- Maintains strong 4.6+ ratings across all categories with specialized financial coaching
- Users appreciate seamless integration between checking accounts and mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.8 | 4.9 | 5.0 | 96% |
| Community State Bank | Community Bank | 4.8 | 4.7 | 4.7 | 94% |
| Northwest Bank | Bank | 4.6 | 4.6 | 4.7 | 92% |
| Bankers Trust | Bank | 4.5 | 4.5 | 4.6 | 90% |
| MidWestOne Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Great Western Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| First National Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
Waterloo Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Waterloo’s area are Veridian Credit Union, GreenState Credit Union and First Interstate Bank.
Veridian Credit Union (96% Recommend)
- Leads with perfect 5.0 in Support & Guidance and 4.9 in Loan Terms, the highest combined scores among Waterloo lenders
- Users consistently like the credit union’s mortgage specialists for personalized service throughout the homebuying process
GreenState Credit Union (94% Recommend)
- Top-rated with 4.8 Easy Application score and 4.7 Loan Terms rating, showing strong performance across all categories
- Homeowners highlight responsive in-person service and transparent rate structures for first-time homebuyers
First Interstate Bank (92% Recommend)
- Maintains strong 4.6+ ratings across all categories with specialized financial coaching
- Users appreciate seamless integration between checking accounts and mortgage services
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Veridian Credit Union | Credit Union | 4.8 | 4.9 | 5.0 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| First Interstate Bank | Bank | 4.6 | 4.6 | 4.7 | 92% |
| MidWestOne Bank | Bank | 4.5 | 4.5 | 4.6 | 90% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Great Western Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Northwest Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Bankers Trust | Bank | 4.1 | 4.1 | 4.2 | 82% |
Ames Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Ames’ area are First National Bank, Greater Iowa Credit Union and Northwest Bank.
First National Bank (92% Recommend)
- 4.8 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowner highlight “flexible loan options” and “local decision-making” as key strengths
Greater Iowa Credit Union (89% Recommend)
- 4.9 in Support & Guidance, top-rated in this category
- Members like “reasonable loan rates” and “knowledgeable staff” in multiple
Northwest Bank (87% Recommend)
- 4.7 in Easy Application, with streamlined digital mortgage process
- Homeowners appreciate “personalized guidance” and “competitive rates” for home purchases
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First National Bank | Bank | 4.5 | 4.8 | 4.7 | 92% |
| Greater Iowa Credit Union | Credit Union | 4.6 | 4.7 | 4.9 | 89% |
| Northwest Bank | Bank | 4.7 | 4.6 | 4.5 | 87% |
| River Valley Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Bank Iowa | Community Bank | 4.3 | 4.4 | 4.4 | 83% |
| Community Bank | Community Bank | 4.2 | 4.3 | 4.3 | 81% |
| Wells Fargo | Bank | 4.1 | 4.2 | 4.1 | 78% |
| Bank of America | Bank | 4.0 | 4.1 | 4.0 | 76% |
Council Bluffs Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Council Bluffs’ area are First Interstate Bank, U.S. Bank and Midstates Bank.
First Interstate Bank (91% Recommend)
- 4.8 in Support & Guidance, highest among top 3 lenders
- Homeowner highlight “local decision-making” and “personalized service” as key strengths
U.S. Bank (89% Recommend)
- 4.7 in Loan Terms & Rate Satisfaction with competitive rate examples shown for various loan types
- Homeowners like “streamlined application process” and “knowledgeable mortgage officers”
Midstates Bank (87% Recommend)
- 4.6 in Easy Application with locally underwritten loans
- Users mention “prompt local decisions” and “community-focused approach”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Interstate Bank | Bank | 4.5 | 4.6 | 4.8 | 91% |
| U.S. Bank | Bank | 4.6 | 4.7 | 4.5 | 89% |
| Midstates Bank | Community Bank | 4.6 | 4.5 | 4.5 | 87% |
| Availa Bank | Community Bank | 4.4 | 4.4 | 4.6 | 85% |
| Midland Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 83% |
Best Iowa Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Iowa residents are Rocket Mortgage, New American Funding, and Bison State Bank.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 94% |
| Bison State Bank | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| Farmers Bank of Kansas City | $50k-$1M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 4.0 | 92% |
| NBKC Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 3.5 | 91% |
| First Federal Bank | $50k-$750k | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 90% |
| Watermark Home Loans | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| PNC Bank | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 88% |
| AmeriSave | $50k-$1.5M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
| First Horizon Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.5 | 3.5 | 86% |
| Alliant Credit Union | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| Better Mortgage | $50k-$3M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| LoanDepot | $50k-$2M | 6.35% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| Guaranteed Rate | $50k-$2.5M | 6.15% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| Movement Mortgage | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 85% |
