Mortgage lending in Woodbury County
2,082 mortgages were originated in Woodbury 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
- 2,082
- Median rate
- 6.500%
- Median lender fees
- $4,377
- Median loan amount
- $155,000
- Median spread over APOR
- 0.308
- Paid discount points
- 21.5%
- Received lender credits
- 16.6%
- Purchases / refinances
- 56.1% / 30.9%
- Conventional / FHA / VA
- 83.6% / 10.7% / 5.4%
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 55.8% 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 Woodbury County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Central Bank | 214 | $5,197 | 6.500% |
| Primebank | 169 | — | — |
| The Security National Bank of Sioux City, Iowa | 161 | — | — |
| Northwest Bank | 146 | $3,267 | 6.375% |
| U.S. Bank National Association | 126 | $4,015 | 6.563% |
| SIOUXLAND FEDERAL CREDIT UNION | 117 | $2,325 | 6.250% |
| Rocket Mortgage, LLC | 101 | $5,100 | 6.625% |
| IOWA BANKERS MORTGAGE CORPORATION | 72 | $4,040 | 6.375% |
| Great Southern Bank | 71 | $3,485 | 6.625% |
| Peoples Bank | 55 | — | — |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Woodbury County — not a rule of thumb.
From 1,161 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