Largest lenders in Woodbury County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Central Bank | A | 274 | 214 | 5.1% | 6.50% |
| 2 | The Security National Bank of Sioux City, Iowa | C | 234 | 161 | 18.8% | — |
| 3 | Northwest Bank | A | 192 | 146 | 10.4% | 6.38% |
| 4 | U.S. Bank | D | 188 | 126 | 20.2% | 6.56% |
| 5 | Primebank | A | 180 | 169 | 3.3% | — |
| 6 | Siouxland Federal Credit Union | C | 159 | 117 | 19.5% | 6.25% |
| 7 | Rocket Mortgage | C | 146 | 101 | 21.2% | 6.63% |
| 8 | 21st Mortgage | F | 133 | 40 | 47.4% | 11.37% |
| 9 | Great Southern Bank | C | 91 | 71 | 15.4% | 6.63% |
| 10 | Iowa Bankers Mortgage | B | 84 | 72 | 11.9% | 6.38% |
| 11 | Peoples Bank | C | 69 | 55 | 8.7% | — |
| 12 | United Shore Financial Services | B | 63 | 39 | 17.5% | 6.13% |
| 13 | Mortgage Research Center | C | 60 | 32 | 21.7% | 6.38% |
| 14 | AmeriSave Mortgage | D | 55 | 11 | 67.3% | 6.25% |
| 15 | Charter West Bank | C | 54 | 41 | 3.7% | 6.63% |
| 16 | Availa Bank | C | 52 | 45 | 0.0% | — |
| 17 | Wells Fargo Bank | B | 51 | 28 | 19.6% | 6.25% |
| 18 | Coastal Community Bank | C | 37 | 11 | 2.7% | 13.49% |
| 19 | Pioneer Bank | – | 37 | 34 | 0.0% | — |
| 20 | BankFirst | B | 36 | 29 | 13.9% | — |
| 21 | Citizens Bank | C | 35 | 31 | 5.7% | 6.25% |
| 22 | Premier Credit Union | A | 34 | 33 | 0.0% | 7.00% |
| 23 | Freedom Mortgage | B | 31 | 8 | 22.6% | 6.13% |
| 24 | Broker Solutions | D | 29 | 6 | 13.8% | 6.50% |
| 25 | Heritage Bank | C | 28 | 17 | 7.1% | — |
Best approval odds in Woodbury County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Primebank | 176 | 3.4% |
| 2 | Central Bank | 228 | 6.1% |
| 3 | Peoples Bank | 61 | 9.8% |
| 4 | Northwest Bank | 166 | 12.1% |
| 5 | Iowa Bankers Mortgage | 82 | 12.2% |
| 6 | Great Southern Bank | 85 | 16.5% |
| 7 | Siouxland Federal Credit Union | 149 | 20.8% |
| 8 | United Shore Financial Services | 52 | 21.2% |
| 9 | The Security National Bank of Sioux City, Iowa | 207 | 21.3% |
| 10 | U.S. Bank | 166 | 22.9% |
What Woodbury County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Woodbury County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,636 | 1,808 | 15.1% | 6.75% | $135,000 |
| 2024 | 2,917 | 1,939 | 16.5% | 6.63% | $135,000 |
| 2025 | 3,093 | 2,082 | 15.6% | 6.50% | $145,000 |
Frequently asked questions
15.6% of applications in Woodbury County were denied in 2025, against 12.9% statewide in Iowa.
Central Bank, with 274 applications in 2025 and a denial rate of 5.1%.
The median mortgage application in Woodbury County in 2025 was for $145,000; the median property value on originated loans was $225,000.