Mortgage lending in Ames, IA
2,402 mortgages were originated in the Ames, IA area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,402
- Median rate
- 6.500%
- Median lender fees
- $2,742
- Median loan amount
- $175,000
- Median spread over APOR
- 0.195
- Paid discount points
- 17.4%
- Received lender credits
- 22%
- Purchases / refinances
- 55% / 25.4%
- Conventional / FHA / VA
- 86.3% / 6.7% / 5.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Ames, IA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| IOWA BANKERS MORTGAGE CORPORATION | 169 | $2,332 | 6.375% |
| GREATER IOWA CREDIT UNION | 153 | $1,904 | 6.490% |
| GREENSTATE Credit Union | 139 | $1,929 | 6.625% |
| VERIDIAN CREDIT UNION | 115 | $1,911 | 6.490% |
| Community Choice Credit Union | 113 | $2,490 | 6.000% |
| GUILD MORTGAGE COMPANY | 101 | $3,269 | 6.625% |
| U.S. Bank National Association | 80 | $2,826 | 7.000% |
| Northwest Bank | 80 | $2,560 | 6.375% |
| MEMBERS1st Community Credit Union | 77 | — | 7.490% |
| Rocket Mortgage, LLC | 71 | $5,696 | 6.750% |