# Best VA Mortgage Lenders in Sioux Falls, SD

**As of:** 2026-05-26

Compare the top VA mortgage lenders in Sioux Falls, SD. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/sioux-falls-sd/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 35
- **Total Loans:** 3,670
- **Median Rate Spread:** 0.015485714285714283%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First International Bank & Trust | 89 | 67 | 85 | 206 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 64 | 83 | 72 | Independent Mortgage Company |
| 3 | Levo Federal Credit Union | 88 | 82 | 81 | 181 | Credit Union |
| 4 | First Bank & Trust | 85 | 69 | 68 | 297 | Bank |
| 5 | First PREMIER Bank | 85 | 75 | 73 | 290 | Bank |
| 6 | Plains Commerce Bank | 83 | 46 | 66 | 1,018 | Bank |
| 7 | First National Bank of Omaha | 80 | 67 | 60 | 95 | Bank |
| 8 | GUARANTEED RATE, INC. | 79 | 79 | 70 | 51 | Independent Mortgage Company |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 61 | 63 | 22 | Independent Mortgage Company |
| 10 | First Dakota National Bank | 77 | 87 | 57 | 219 | Bank |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 185 | Independent Mortgage Company |
| 12 | ROCKET MORTGAGE, LLC | 75 | 29 | 81 | 115 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 53 | 69 | 19 | Independent Mortgage Company |
| 14 | NEWREZ LLC | 73 | 47 | 63 | 14 | Independent Mortgage Company |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 103 | Independent Mortgage Company |
| 16 | CU MORTGAGE DIRECT, LLC | 69 | 57 | 61 | 58 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 66 | 34 | 61 | 52 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Sioux Falls, SD.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.