Largest lenders in Sioux County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | American State Bank | A | 185 | 158 | 2.7% | — |
| 2 | Iowa Bankers Mortgage | B | 99 | 85 | 12.1% | 6.50% |
| 3 | Northwest Bank | A | 88 | 76 | 2.3% | 6.25% |
| 4 | Peoples Bank | C | 55 | 39 | 9.1% | — |
| 5 | Homeowners Financial Group USA | B | 46 | 34 | 4.4% | 6.75% |
| 6 | Premier Bank | C | 44 | 38 | 9.1% | — |
| 7 | Rivers Edge Bank | – | 34 | 31 | 0.0% | — |
| 8 | Primebank | A | 28 | 25 | 3.6% | — |
| 9 | The Security National Bank of Sioux City, Iowa | C | 20 | 19 | 5.0% | — |
| 10 | Rocket Mortgage | C | 15 | 7 | 46.7% | 6.50% |
| 11 | Mortgage Research Center | C | 14 | 6 | 14.3% | 6.31% |
| 12 | United Shore Financial Services | B | 12 | 8 | 25.0% | 6.26% |
| 13 | U.S. Bank | D | 11 | 5 | 36.4% | 6.88% |
| 14 | Coastal Community Bank | C | 10 | 1 | 0.0% | 15.49% |
| 15 | Pennymac Loan Services | C | 8 | 2 | 25.0% | 6.38% |
| 16 | First PREMIER Bank | C | 7 | 2 | 28.6% | 6.94% |
| 17 | Plains Commerce Bank | B | 7 | 4 | 14.3% | 5.94% |
| 18 | Farm Credit Mid-America | D | 6 | 2 | 50.0% | 7.00% |
| 19 | Figure Lending | C | 6 | 3 | 16.7% | 9.20% |
| 20 | First International Bank & Trust | B | 5 | 3 | 20.0% | 6.38% |
Best approval odds in Sioux County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Northwest Bank | 78 | 2.6% |
| 2 | American State Bank | 177 | 2.8% |
| 3 | Iowa Bankers Mortgage | 97 | 12.4% |
What Sioux County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sioux County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 597 | 463 | 9.4% | 6.75% | $165,000 |
| 2024 | 665 | 499 | 10.8% | 6.63% | $175,000 |
| 2025 | 793 | 600 | 9.6% | 6.50% | $205,000 |
Frequently asked questions
9.6% of applications in Sioux County were denied in 2025, against 12.9% statewide in Iowa.
American State Bank, with 185 applications in 2025 and a denial rate of 2.7%.
The median mortgage application in Sioux County in 2025 was for $205,000; the median property value on originated loans was $295,000.