Banks in Des Moines, Iowa
Connect with 6 trusted banks serving Des Moines and surrounding areas
6
Banks in Des Moines
33
Total Mortgage Professionals
0
Listings With an NMLS ID
Top Banks in Des Moines, Iowa
Browse 6 local banks who understand the Des Moines market and can help you secure competitive mortgage rates and terms.
Community State Bank
Bank
Fixed Rate Conventional
FHA
VA
Liberty Bank
Bank
Central Bank
Bank
Fixed Rate ARM Conventional
FHA
VA
Globe Loan Company
Bank
Banks in Des Moines, IA by the numbers
Of the 4 banks in Des Moines, IA that publish their loan programs, 2 (50%) offer FHA loans, 2 (50%) offer VA loans and 2 (50%) offer conventional loans.
FHA loans2 of 4 (50%)
VA loans2 of 4 (50%)
Conventional loans2 of 4 (50%)
USDA loans2 of 4 (50%)
Construction loans2 of 4 (50%)
HELOCs and home equity loans2 of 4 (50%)
Hard money and bridge loans1 of 4 (25%)
- 1advertise 3.5% down or less, including 1 with a 0% down option (typically VA or USDA)
- 740lowest advertised minimum credit score
Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 4 of 6 listed banks that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.
Why Choose Local Banks in Des Moines?
Local Market Expertise
Des Moines banks have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Iowa. This expertise can help you navigate the local market more effectively.
Personalized Service
Working with local banks means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.
Competitive Rates & Terms
Local banks often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Des Moines market.
Community Connections
Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.
Frequently Asked Questions
How do I choose the right bank in Des Moines?
Shortlist at least three banks in Des Moines, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Iowa, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.
What questions should I ask a bank?
Ask about their experience in the Des Moines market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.
Are Des Moines banks better than online lenders?
Local banks offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.
Ready to Connect with Des Moines Banks?
Get matched with the perfect bank from our network of 6 local professionals