Mortgage lending in Sioux City, IA-NE-SD
2,751 mortgages were originated in the Sioux City, IA-NE-SD area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,751
- Median rate
- 6.500%
- Median lender fees
- $4,353
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $165,000
- Above the going rate (spread over APOR)
- 0.304
- Paid discount points
- 21.8%
- Received lender credits
- 17.3%
- Purchases / refinances
- 55.9% / 31.6%
- Conventional / FHA / VA
- 83.9% / 10.3% / 5.5%
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 56.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sioux City, IA-NE-SD area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Central Bank | 263 | $5,212 | 6.500% |
| Primebank | 209 | — | — |
| Siouxland Federal Credit Union | 186 | $2,100 | 6.125% |
| The Security National Bank of Sioux City, Iowa | 185 | — | — |
| Northwest Bank | 171 | $3,401 | 6.375% |
| U.S. Bank National Association | 157 | $4,053 | 6.625% |
| Rocket Mortgage, LLC | 139 | $5,039 | 6.875% |
| Iowa Bankers Mortgage Corporation | 87 | $4,289 | 6.375% |
| Great Southern Bank | 82 | $3,338 | 6.625% |
| 21st Mortgage Corporation | 66 | — | 10.580% |