Mortgage lending in Sioux County
600 mortgages were originated in Sioux County, Iowa, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 600
- Median rate
- 6.500%
- Median lender fees
- $2,930
- Median loan amount
- $210,000
- Median spread over APOR
- 0.084
- Paid discount points
- 7.7%
- Received lender credits
- 14.3%
- Purchases / refinances
- 69.8% / 21.3%
- Conventional / FHA / VA
- 92.2% / 4.5% / 2.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 35.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Sioux County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| American State Bank | 158 | — | — |
| IOWA BANKERS MORTGAGE CORPORATION | 85 | $2,741 | 6.500% |
| Northwest Bank | 76 | — | 6.250% |
What lenders charged here
Lender fees on a $210,000 loan, based on what was actually charged in Sioux County — not a rule of thumb.
From 215 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers