🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Sioux City
Updated February 6, 2026
Market Overview
20
Total Lenders
1,057
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,262 | +0.031% | 131 | |
2 | Northwest Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,460 | +0.227% | 89 | |
3 | WEST GATE BANK | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,382 | +0.048% | 31 | |
4 | Central Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,953 | +0.043% | 210 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,802 | +0.165% | 66 | |
6 | First Dakota National Bank | Exceptional | Exceptional | Strong | Strong | Sound | $350 | +0.014% | 14 | |
7 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Strong | $1,430 | -0.003% | 50 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,319 | +0.175% | 37 | |
9 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,836 | +0.062% | 23 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,636 | +0.536% | 91 | |
11 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,593 | +0.497% | 42 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,336 | +0.964% | 20 | |
13 | CHARTER WEST BANK | Strong | Sound | Strong | Strong | Sound | $1,392 | +0.621% | 22 | |
14 | SIOUXLAND FEDERAL CREDIT UNION | Strong | Acceptable | Sound | Strong | Exceptional | $1,548 | -0.048% | 101 | |
15 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,742 | +0.244% | 30 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,806 | +0.364% | 27 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Acceptable | $1,792 | -0.010% | 13 | |
18 | United Bank of Iowa | Sound | Acceptable | Sound | Acceptable | Sound | $1,264 | +0.229% | 17 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Sioux City, IAConventional
No credit impact
3-minute process
100% free