Safe Rate Rankings

Best VA 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Levo Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$1,896Fees	0.112%Below	181
2	First International Bank & TrustBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,401Fees	0.158%Below	206
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,500Fees	0.046%Above	72
4	First Bank & TrustBank	Exceptional	Strong	Strong	Strong	Exceptional	$3,023Fees	0.153%Below	297
5	First PREMIER BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,108Fees	0.105%Below	290
6	First Dakota National BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$1,213Fees	0.152%Below	219
7	Plains Commerce BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,090Fees	0.099%Below	1,018
8	First National Bank of OmahaBank	Exceptional	Strong	Strong	Strong	Strong	$2,759Fees	0.169%Below	95
9	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,036Fees	0.180%Above	51
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,046Fees	0.551%Below	22
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,947Fees	0.127%Above	185
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,422Fees	0.343%Above	115
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,412Fees	0.314%Above	19
14	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,015Fees	0.100%Below	14
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,224Fees	0.407%Above	103
16	CU MORTGAGE DIRECT, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	Strong	$2,608Fees	0.061%Above	58
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$978Fees	1.566%Above	52

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.