Safe Rate Rankings

Best Mortgage Lenders in Sioux City

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders20

Total Loans1,057

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$2,262Fees	0.031%Above	131
2	Central BankBank	Exceptional	Strong	Exceptional	Exceptional	$2,953Fees	0.043%Above	210
3	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Sound	$2,382Fees	0.048%Above	31
4	Northwest BankBank	Exceptional	Strong	Strong	Exceptional	$1,460Fees	0.227%Above	89
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,802Fees	0.165%Above	66
6	Great Southern BankBank	Strong	Strong	Strong	Strong	$1,430Fees	0.003%Below	50
7	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$2,836Fees	0.062%Above	23
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,319Fees	0.175%Above	37
9	SIOUXLAND FEDERAL CREDIT UNIONCredit Union	Strong	Acceptable	Strong	Exceptional	$1,548Fees	0.048%Below	101
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,636Fees	0.536%Above	91
11	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,593Fees	0.497%Above	42
12	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,806Fees	0.364%Above	27
13	CHARTER WEST BANKBank	Strong	Sound	Strong	Sound	$1,392Fees	0.621%Above	22
14	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,742Fees	0.244%Above	30
15	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,336Fees	0.964%Above	20

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.