The Lenders Community Survey gathers homeowners feedback and 105 lenders recommendations for Iowa home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
Iowa Top Lenders for Home Refinance Loans
Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, West Des Moines, Ankeny, Waterloo, Ames, Council Bluffs, Online lenders.
Recommendations are gathered from 1,274 local Iowans members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage 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 refinance?
- – 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 Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Des Moines’ area are GreenState Credit Union, PNC Bank and U.S. Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| First Federal Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Farmers Bank of Kansas City | Community Bank | 3.5 | 3.5 | 3.5 | 83% |
| TruStone Financial Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 82% |
| BMO Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| FourLeaf Federal Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 78% |
| First Horizon Bank | Bank | 3.0 | 3.5 | 3.0 | 75% |
| Bison State Bank | Community Bank | 3.0 | 3.0 | 3.5 | 73% |
Cedar Rapids Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cedar Rapids’ area are GreenState Credit Union, Cedar Rapids Bank & Trust and Community 1st Credit Union.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 96% |
| Cedar Rapids Bank & Trust | Bank | 4.4 | 4.6 | 4.7 | 94% |
| Community 1st Credit Union | Credit Union | 4.3 | 4.5 | 4.6 | 92% |
| Collins Community Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 90% |
| Community Savings Bank | Community Bank | 4.1 | 4.3 | 4.4 | 89% |
| Residential Mortgage Network Inc | Mortgage Banker | 4.0 | 4.2 | 4.3 | 88% |
| BMO Bank N.A. | Bank | 3.9 | 4.1 | 4.2 | 87% |
| Hills Bank | Community Bank | 3.8 | 4.0 | 4.1 | 85% |
| BankIowa | Community Bank | 3.7 | 3.9 | 4.0 | 83% |
| Community Bank & Trust | Community Bank | 3.6 | 3.8 | 3.9 | 82% |
Davenport Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Davenport’s area are IH Mississippi Valley Credit Union, Ascentra Credit Union and MidWestOne Bank.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| IH Mississippi Valley Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 96% |
| Ascentra Credit Union | Credit Union | 4.4 | 4.6 | 4.7 | 94% |
| MidWestOne Bank | Bank | 4.3 | 4.5 | 4.6 | 92% |
| Quad City Bank & Trust | Bank | 4.2 | 4.4 | 4.5 | 90% |
| Northwest Bank & Trust Company | Bank | 4.1 | 4.3 | 4.4 | 89% |
| Family Credit Union | Credit Union | 4.0 | 4.2 | 4.3 | 88% |
| American Bank & Trust | Bank | 3.9 | 4.1 | 4.2 | 87% |
| DuTrac Community Credit Union | Credit Union | 3.8 | 4.0 | 4.1 | 85% |
| First Midwest Bank | Bank | 3.7 | 3.9 | 4.0 | 83% |
| Blackhawk Bank & Trust | Bank | 3.6 | 3.8 | 3.9 | 82% |
Sioux City Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Sioux City’s area are Security National Bank, Siouxland Federal Credit Union and Sioux Valley Community Credit Union.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| Security National Bank | Bank | 4.5 | 4.7 | 4.8 | 96% |
| Siouxland Federal Credit Union | Credit Union | 4.4 | 4.6 | 4.7 | 94% |
| Sioux Valley Community Credit Union | Credit Union | 4.3 | 4.5 | 4.6 | 92% |
| Heritage Bank | Bank | 4.2 | 4.4 | 4.5 | 90% |
| Great Southern Bank | Bank | 4.1 | 4.3 | 4.4 | 89% |
| Central Bank | Bank | 4.0 | 4.2 | 4.3 | 88% |
| Midwest Community Credit Union | Credit Union | 3.9 | 4.1 | 4.2 | 87% |
| United Bank of Iowa | Bank | 3.8 | 4.0 | 4.1 | 85% |
| First National Bank | Bank | 3.7 | 3.9 | 4.0 | 83% |
| American Bank | Bank | 3.6 | 3.8 | 3.9 | 82% |
Iowa City Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Iowa City’s area are GreenState Credit Union, Hills Bank and Trust Company and Veridian Credit Union.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 96% |
| Hills Bank and Trust Company | Bank | 4.4 | 4.6 | 4.7 | 94% |
| Veridian Credit Union | Credit Union | 4.3 | 4.5 | 4.6 | 92% |
| Collins Community Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 90% |
| Two Rivers Bank & Trust | Bank | 4.1 | 4.3 | 4.4 | 89% |
| Residential Mortgage Network, Inc. | Mortgage Bank | 4.0 | 4.2 | 4.3 | 88% |
| Dupaco Community Credit Union | Credit Union | 3.9 | 4.1 | 4.2 | 87% |
| MidWestOne Bank | Bank | 3.8 | 4.0 | 4.1 | 85% |
| Great Western Bank | Bank | 3.7 | 3.9 | 4.0 | 83% |
| U.S. Bank | Bank | 3.6 | 3.8 | 3.9 | 82% |
West Des Moines Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in West Des Moines’s area are GreenState Credit Union, Fidelity Bank and Greater Iowa Credit Union.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 96% |
| Fidelity Bank | Bank | 4.4 | 4.6 | 4.7 | 94% |
| Greater Iowa Credit Union | Credit Union | 4.3 | 4.5 | 4.6 | 92% |
| Financial Plus Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 90% |
| Two Rivers Bank & Trust | Bank | 4.1 | 4.3 | 4.4 | 89% |
| MidWestOne Bank | Bank | 4.0 | 4.2 | 4.3 | 88% |
| West Bank | Bank | 3.9 | 4.1 | 4.2 | 87% |
Ankeny Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Ankeny’s area are Greater Iowa Credit Union, Veridian Credit Union, and GreenState Credit Union.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| Greater Iowa Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 97% |
| Veridian Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 96% |
| GreenState Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 95% |
| Lincoln Savings Bank | Bank | 4.4 | 4.5 | 4.5 | 94% |
| Wells Fargo Home Mortgage | Bank | 4.3 | 4.4 | 4.4 | 93% |
| Community Choice Credit Union | Credit Union | 4.2 | 4.3 | 4.3 | 92% |
| First Interstate Bank | Bank | 4.1 | 4.2 | 4.3 | 91% |
Waterloo Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Waterloo’s area are Veridian Credit Union, GreenState Credit Union, and BankIowa.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| Veridian Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 98% |
| GreenState Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 97% |
| BankIowa | Bank | 4.6 | 4.7 | 4.7 | 96% |
| Dupaco Community Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 95% |
| Collins Community Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 94% |
| Lincoln Savings Bank | Bank | 4.3 | 4.4 | 4.4 | 93% |
| US Bank | Bank | 4.2 | 4.3 | 4.3 | 92% |
Ames Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Ames’s area are Greater Iowa Credit Union, MidWestOne Bank, and Bankers Trust.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| Greater Iowa Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 98% |
| MidWestOne Bank | Bank | 4.6 | 4.7 | 4.7 | 97% |
| Bankers Trust | Bank | 4.5 | 4.6 | 4.6 | 96% |
| Community 1st Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 95% |
| Wells Fargo Bank | Bank | 4.3 | 4.4 | 4.4 | 94% |
| Citizens Community Credit Union | Credit Union | 4.2 | 4.3 | 4.3 | 93% |
| Hampton State Bank | Bank | 4.1 | 4.2 | 4.2 | 92% |
Council Bluffs Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Council Bluffs’s area are Midland Credit Union, Centris Federal Credit Union and American National Bank.
| Lender | Type | Easy Application (0–5) | Loan Terms & Rate Satisfaction (0–5) | Support & Guidance (0–5) | Recommend % |
|---|---|---|---|---|---|
| Midland Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 98% |
| Centris Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 97% |
| American National Bank | Bank | 4.5 | 4.6 | 4.6 | 96% |
| CharterWest Bank | Bank | 4.4 | 4.5 | 4.5 | 95% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.4 | 94% |
| United Credit Union | Credit Union | 4.2 | 4.3 | 4.3 | 93% |
| U.P. Connection Federal Credit Union | Credit Union | 4.1 | 4.2 | 4.2 | 92% |
Best Iowa Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Iowa’s are Rocket Mortgage, GreenState Credit Union and Better Mortgage.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.45% – 6.95% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| GreenState Credit Union | $50,000 – $2,000,000 | 5.40% – 6.90% | 15, 20, 30 | 4.5 | 4.5 | 5 | 94% |
| Better Mortgage | $100,000 – $2,500,000 | 5.50% – 7.00% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 92% |
| Bankers Trust | $50,000 – $1,500,000 | 5.55% – 7.05% | 15, 20, 30 | 4.5 | 4 | 4.5 | 90% |
| LoanDepot | $50,000 – $3,000,000 | 5.60% – 7.10% | 10, 15, 20, 25, 30 | 4 | 4 | 4.5 | 88% |
| Veridian Credit Union | $50,000 – $750,000 | 5.50% – 7.00% | 15, 20, 30 | 4 | 4 | 4.5 | 86% |
| SoFi | $100,000 – $2,000,000 | 5.65% – 7.15% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 84% |
| Guaranteed Rate | $50,000 – $2,000,000 | 5.70% – 7.20% | 15, 20, 30 | 3.5 | 4 | 4 | 83% |
| U.S. Bank | $50,000 – $2,000,000 | 5.75% – 7.25% | 10, 15, 20, 30 | 3.5 | 3.5 | 3.5 | 82% |
| Collins Community Credit Union | $50,000 – $500,000 | 5.55% – 7.05% | 15, 20, 30 | 3.5 | 4 | 4 | 81% |
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