Safe Rate Rankings

Best All Lender Mortgage Lenders in Sioux Falls

Updated May 26, 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 Lenders35

Total Loans3,670

Median Rate Spread0.02%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Levo Federal Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$1,896Fees	0.112%Below	181
2	First Dakota National BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,213Fees	0.152%Below	219
3	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	$3,051Fees	0.128%Below	26
4	Central BankBank	Exceptional	Strong	Exceptional	Strong	$2,844Fees	0.315%Below	79
5	First PREMIER BankBank	Strong	Strong	Sound	Exceptional	$2,108Fees	0.105%Below	290
6	First International Bank & TrustBank	Strong	Sound	Exceptional	Exceptional	$1,401Fees	0.158%Below	206
7	First National Bank of OmahaBank	Strong	Strong	Strong	Strong	$2,759Fees	0.169%Below	95
8	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,074Fees	0.022%Below	76
9	Reliabank DakotaBank	Strong	Strong	Strong	Strong	$2,232Fees	0.211%Below	71
10	First Bank & TrustBank	Strong	Sound	Strong	Exceptional	$3,023Fees	0.153%Below	297
11	American Bank & TrustBank	Strong	Strong	Sound	Strong	$2,340Fees	0.305%Below	73
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,500Fees	0.046%Above	72
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,638Fees	0.105%Below	62
14	Dacotah BankBank	Strong	Strong	Strong	Sound	$2,007Fees	0.452%Below	26
15	CORTRUST MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,818Fees	0.078%Below	77
16	CU MORTGAGE DIRECT, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,608Fees	0.061%Above	58
17	BLACK HILLS FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	$2,578Fees	0.139%Below	53
18	Plains Commerce BankBank	Strong	Acceptable	Strong	Exceptional	$3,090Fees	0.099%Below	1,018
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,947Fees	0.127%Above	185
20	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,422Fees	0.343%Above	115
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,036Fees	0.180%Above	51
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,046Fees	0.551%Below	22
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,224Fees	0.407%Above	103
24	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$978Fees	1.566%Above	52
25	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,481Fees	0.380%Above	23

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.