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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 VA Mortgage Lenders in South Dakota
Updated February 6, 2026
Market Overview
62
Total Lenders
8,496
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Levo Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $1,876 | -0.110% | 200 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,283 | +0.118% | 273 | |
3 | First International Bank & Trust | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,402 | -0.166% | 261 | |
4 | First Bank & Trust | Exceptional | Strong | Strong | Strong | Exceptional | $2,808 | -0.156% | 550 | |
5 | First Dakota National Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,000 | -0.112% | 409 | |
6 | First PREMIER Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,978 | -0.094% | 406 | |
7 | BLACK HILLS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $3,279 | -0.112% | 305 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,035 | +0.050% | 186 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,595 | +0.308% | 166 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $442 | -0.545% | 28 | |
11 | Plains Commerce Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,993 | -0.057% | 1,524 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,165 | +0.200% | 395 | |
13 | Dacotah Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,902 | -0.022% | 256 | |
14 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Strong | $2,348 | -0.099% | 143 | |
15 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,766 | +0.406% | 68 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,633 | -0.268% | 67 | |
17 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,831 | +0.176% | 57 | |
18 | American Bank & Trust | Strong | Strong | — | Sound | Exceptional | $2,147 | -0.126% | 243 | |
19 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $2,269 | +0.021% | 105 | |
20 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,946 | -0.308% | 38 | |
21 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,574 | -0.295% | 27 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,351 | +0.367% | 430 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,181 | +0.166% | 276 | |
24 | BANKWEST, INC. | Strong | Sound | Sound | Strong | Exceptional | $3,213 | -0.049% | 163 | |
25 | GRANITE BANK | Strong | Sound | Strong | Strong | Strong | $2,215 | -0.129% | 137 | |
26 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,814 | +0.101% | 123 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,353 | +0.257% | 52 | |
28 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,860 | +0.221% | 42 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $2,886 | +0.311% | 39 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,412 | -0.033% | 33 | |
31 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Sound | $2,648 | +0.028% | 25 | |
32 | CORTRUST MORTGAGE, INC. | Strong | Sound | Acceptable | Strong | Exceptional | $2,385 | -0.063% | 203 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,213 | +0.559% | 177 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,319 | +0.433% | 126 | |
35 | CU MORTGAGE DIRECT, LLC | Strong | Sound | Sound | Strong | Strong | $2,486 | +0.050% | 123 | |
36 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,124 | +0.280% | 33 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,672 | +0.332% | 30 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,967 | +0.490% | 52 | |
39 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $6,089 | +1.147% | 22 |
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.
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