Mortgage lending in Des Moines-West Des Moines, IA
21,608 mortgages were originated in the Des Moines-West Des Moines, IA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 21,608
- Median rate
- 6.500%
- Median lender fees
- $2,561
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $195,000
- Above the going rate (spread over APOR)
- 0.107
- Paid discount points
- 19%
- Received lender credits
- 22.1%
- Purchases / refinances
- 55.3% / 24.3%
- Conventional / FHA / VA
- 85.3% / 8.6% / 5.6%
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 67.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Des Moines-West Des Moines, IA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GREENSTATE Credit Union | 2,971 | $1,764 | 6.490% |
| Veridian Credit Union | 2,347 | $1,861 | 6.490% |
| Community Choice Credit Union | 1,511 | $2,366 | 6.125% |
| Rocket Mortgage, LLC | 684 | $4,434 | 6.625% |
| DHI Mortgage Company, Ltd. | 529 | $1,907 | 5.375% |
| Northwest Bank | 507 | $2,484 | 6.375% |
| Broker Solutions, Inc. | 487 | $4,087 | 6.750% |
| United Shore Financial Services, LLC | 471 | $5,659 | 6.125% |
| Bankers Trust Company | 433 | $2,120 | 6.250% |
| Iowa Bankers Mortgage Corporation | 429 | $2,475 | 6.500% |