SIOUX CITY Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Sioux City averaged 6.46% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

    The average rate for the prior week (2022-11-23) was 6.65% and one month ago for the week of 2022-10-27, the average rate was 7.35%.

    Sioux City's average rate one year ago was 3.43%.

    For refis of the same type during the week of 2022-12-01, the average rate was 6.57%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-12-01 6.49%
    Sioux City 30 Year Fixed Rate 2022-12-01 6.46%
    Sioux City 30 Year Fixed Rate Refi 2022-12-01 6.57%
    Sioux City 15 Year Fixed Rate 2022-12-01 6.4%
    Sioux City 15 Year Fixed Rate Refi 2022-12-01 5.81%
    Sioux City 30 Year FHA 2022-12-01 6.47%
    Sioux City 30 Year FHA Refi 2022-12-01 6.54%
    Sioux City 30 Year USDA 2022-12-01 6.47%
    Sioux City 30 Year USDA Refi 2022-12-01 3.25%
    Sioux City 30 Year VA 2022-12-01 6.69%
    Sioux City 30 Year VA Refi 2022-12-01 6.06%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SIOUX CITY, IA-NE-SD.

    SIOUX CITY Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SIOUX CITY, IA-NE-SD market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    Central Bank 193 3.18% $3,951
    Wells Fargo Bank 158 3.18% $2,600
    Citizens Bank 127 2.84% $3,904
    Northwest Bank 119 3.03% $2,599
    QUICKEN LOANS, LLC 110 3.16% $4,339
    IOWA BANKERS MORTGAGE CORPORATION 91 2.99% $3,092
    HOME POINT FINANCIAL CORPORATION 81 3.07% $4,000
    GUARANTEED RATE, INC. 78 3.22% $3,392
    SIOUXLAND FEDERAL CREDIT UNION 58 3.31% $3,323
    U.S. Bank 56 3.07% $3,179
    Great Southern Bank 56 3.08% $2,725
    Heritage Bank 45 3.09% $3,913
    Plains Commerce Bank 41 2.95% $3,762
    PENNYMAC LOAN SERVICES, LLC 28 2.83% $3,864
    First Dakota National Bank 23 2.94% $2,425
    West Gate Bank 21 3.11% $3,736
    Flagstar Bank, FSB 18 3.09% $2,800
    United Bank of Iowa 16 3.59% $2,982
    Chickasaw Community Bank 15 3.38% $5,250
    LOANDEPOT.COM, LLC 15 2.99% $4,884
    AMERISAVE MORTGAGE CORPORATION 12 3.03% $4,599
    Gateway First Bank 11 3.11% $2,904
    Community Mortgage Banc Corporation 9 3.09% $5,018
    First PREMIER Bank 8 2.84% $3,523
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 8 3.14% $3,808
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 3.03% $4,234
    MUTUAL OF OMAHA MORTGAGE, INC. 7 3.09% $3,491
    CORTRUST MORTGAGE, INC. 6 2.88% $4,813
    GUILD MORTGAGE COMPANY 6 3.12% $3,306
    CHARTER WEST BANK 6 3.38% $2,146
    ROYAL UNITED MORTGAGE LLC 6 3.25% $6,401
    CROSSCOUNTRY MORTGAGE, LLC 6 2.95% $3,402
    AMERICAN FINANCING CORPORATION 6 3.31% $3,700
    Stifel Bank and Trust 5 2.73% $2,387
    BROKER SOLUTIONS, INC. 5 3.17% $3,952
    BETTER MORTGAGE CORPORATION 5 3.08% $3,066
    UNITED WHOLESALE MORTGAGE, LLC 5 2.94% $3,445
    First Bank & Trust 5 2.78% $4,544
    VERIDIAN CREDIT UNION 5 3.05% $2,235
    NAVY FEDERAL CREDIT UNION 5 3.28% $4,384
    JPMorgan Chase Bank 5 3.20% $2,779
    KELLER MORTGAGE, LLC 5 3.10% $2,361
    American State Bank 4 2.94% $3,546
    Mr. Cooper ( Nationstar Mortgage ) 4 3.44% $3,874
    CU MORTGAGE DIRECT, LLC 4 3.03% $2,979
    Great Western Bank 4 3.22% $2,495
    GREENSTATE CREDIT UNION 4 3.06% $2,741
    NEWREZ LLC 4 3.47% $3,604
    Bank of America 4 2.75% $3,814
    First International Bank & Trust 3 3.17% $3,101
    CHURCHILL MORTGAGE CORPORATION 3 2.91% $3,829
    Ally Bank 3 3.00% $2,731
    First National Bank of Omaha 3 3.08% $3,225
    Midwest Heritage Bank FSB 3 3.04% $2,760
    Pinnacle Bank 3 3.75% $3,435
    SIOUX FALLS 3 2.58% $4,748
    The Huntington National Bank 3 2.71% $3,579
    RESIDENTIAL BANCORP. 2 3.38% $2,573
    Carrington Mortgage Services, LLC 2 3.44% $4,451
    Bankers' Bank 2 3.00% $3,992
    MORIA DEVELOPMENT, INC. 2 3.25% $4,605
    Ixonia Bank 2 3.19% $3,577
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.94% $3,380
    FREEDOM MORTGAGE CORPORATION 2 3.38% $1,362
    Lend Smart Mortgage, LLC 2 2.88% $3,618
    MORTGAGE ACCESS CORP. 1 3.25% $2,818
    Mortgage Research Center, LLC 1 2.75% $3,610
    Fifth Third Bank 1 3.50% $2,461
    M&T Bank 1 3.50% $3,610
    Farm Credit Mid-America, ACA 1 3.55% $6,200
    Equity Bank 1 3.25% $2,916
    Dundee Bank 1 3.25% $2,483
    NexBank 1 4.00% $5,671
    Northpointe Bank 1 3.63% $4,202
    DELMAR FINANCIAL COMPANY 1 2.88% $2,526
    Paramount Residential Mortgage Group, Inc. 1 3.63% $7,266
    DAS Acquisition Company, LLC 1 3.13% $5,201
    PHH Mortgage Corporation 1 4.38% $4,273
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.88% $8,045
    CRESCENT MORTGAGE COMPANY 1 2.88% $11,004
    Core Bank 1 2.75% $1,452
    Reliabank Dakota 1 2.75% $2,499
    Collins Community Credit Union 1 2.63% $4,728
    AMERICAN FINANCE HOUSE LARIBA 1 3.19% $6,742
    CMG MORTGAGE, INC. 1 3.00% $3,114
    SOFI LENDING CORP. 1 2.88% $2,363
    The Central Trust Bank 1 2.88% $3,948
    ZILLOW HOME LOANS, LLC 1 3.25% $2,751
    Truity Federal Credit Union 1 2.75% $2,038
    Baxter Credit Union 1 3.13% $2,891
    Bank of Whittier 1 2.78% $3,067
    Arbor Bank 1 2.92% $2,715
    Frontier Bank 1 2.88% $2,723
    HOMESIDE FINANCIAL, LLC 1 3.25% $2,821
    HOMESERVICES LENDING, LLC 1 3.13% $3,347
    First Savings Bank 1 3.00% $3,523
    First National Bank 1 3.25% $2,620
    First Bank 1 3.25% $5,567
    KeyBank 1 3.30% $1,088
    KS StateBank 1 3.00% $2,111
    FINANCE OF AMERICA MORTGAGE LLC 1 3.50% $3,703
    Vibrant Credit Union 1 2.99% $2,744

    SIOUX CITY Average Closing Costs & Other Stats

    SIOUX CITY, IA-NE-SD's 102 lenders originated 4,434 loans during 2021. The total origination value was $807,320,000, with an average loan value of $182,075.

    SIOUX CITY's average closing costs are $3,898.

    The top SIOUX CITY lender as defined by loan originations is Central Bank, with 193 loans originated. Their average total fees are $3,951, which is $1,351 higher than the next largest lender, Wells Fargo Bank.

    The lowest fee SIOUX CITY lenders (with over 10 loans originated) are First Dakota National Bank ($2,425), Northwest Bank ($2,599), Wells Fargo Bank ($2,600), Great Southern Bank ($2,725) and Flagstar Bank, FSB ($2,800).

    The lowest rate SIOUX CITY lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (2.83%), Citizens Bank (2.84%), First Dakota National Bank (2.94%), Plains Commerce Bank (2.95%) and LOANDEPOT.COM, LLC (2.99%).

    SIOUX CITY, IA-NE-SD Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
    Central Bank $88,220,000 $66,035,000 -25.1% 8.2%
    QUICKEN LOANS, LLC $47,070,000 $52,605,000 11.8% 6.5%
    Wells Fargo Bank $36,925,000 $45,045,000 22.0% 5.6%
    The Security National Bank of Sioux City, Iowa $44,845,000 $43,840,000 -2.2% 5.4%
    Northwest Bank $80,925,000 $42,545,000 -47.4% 5.3%
    Citizens Bank $48,675,000 $35,710,000 -26.6% 4.4%
    IOWA BANKERS MORTGAGE CORPORATION $49,495,000 $35,210,000 -28.9% 4.4%
    Great Southern Bank $35,345,000 $28,595,000 -19.1% 3.5%
    HOME POINT FINANCIAL CORPORATION $25,315,000 $28,505,000 12.6% 3.5%
    U.S. Bank $31,825,000 $28,175,000 -11.5% 3.5%
    Heritage Bank $26,920,000 $27,205,000 1.1% 3.4%
    GUARANTEED RATE, INC. $3,470,000 $23,325,000 572.2% 2.9%
    SIOUXLAND FEDERAL CREDIT UNION $14,165,000 $20,185,000 42.5% 2.5%
    BankFirst $28,370,000 $18,800,000 -33.7% 2.3%
    Lincoln Savings Bank $17,860,000 n/a 2.2%
    Plains Commerce Bank $23,870,000 $17,440,000 -26.9% 2.2%
    West Gate Bank $8,585,000 $14,835,000 72.8% 1.8%
    Availa Bank $3,705,000 $11,960,000 222.8% 1.5%
    FREEDOM MORTGAGE CORPORATION $8,075,000 $10,850,000 34.4% 1.3%
    GUILD MORTGAGE COMPANY $8,260,000 $10,460,000 26.6% 1.3%
    KeyBank $10,005,000 n/a 1.2%
    PENNYMAC LOAN SERVICES, LLC $1,900,000 $8,865,000 366.6% 1.1%
    First Dakota National Bank $9,800,000 $8,815,000 -10.1% 1.1%
    Peoples Bank $5,300,000 $8,810,000 66.2% 1.1%
    Midstates Bank $3,555,000 $7,545,000 112.2% 0.9%
    Liberty National Bank $10,960,000 $7,350,000 -32.9% 0.9%
    Mortgage Research Center, LLC $6,320,000 $7,255,000 14.8% 0.9%
    Chickasaw Community Bank $5,025,000 $7,245,000 44.2% 0.9%
    First National Bank of Omaha $1,000,000 $6,710,000 571.0% 0.8%
    Great Western Bank $2,855,000 $6,610,000 131.5% 0.8%
    BLACK HILLS FEDERAL CREDIT UNION $1,120,000 $6,535,000 483.5% 0.8%
    Flagstar Bank, FSB $6,505,000 $6,350,000 -2.4% 0.8%
    LOANDEPOT.COM, LLC $4,965,000 $5,955,000 19.9% 0.7%
    United Bank of Iowa $2,520,000 $4,525,000 79.6% 0.6%
    First PREMIER Bank $4,235,000 $4,260,000 0.6% 0.5%
    Carrington Mortgage Services, LLC $4,235,000 $3,945,000 -6.8% 0.5%
    Community Mortgage Banc Corporation $3,140,000 $3,710,000 18.2% 0.5%
    AMERISAVE MORTGAGE CORPORATION $3,765,000 $3,540,000 -6.0% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $3,240,000 $3,250,000 0.3% 0.4%
    BROKER SOLUTIONS, INC. $625,000 $3,180,000 408.8% 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $935,000 $3,155,000 237.4% 0.4%
    Gateway First Bank $3,775,000 $3,060,000 -18.9% 0.4%
    Farm Credit Mid-America, ACA $2,005,000 $2,810,000 40.1% 0.3%
    USAA Federal Savings Bank $4,345,000 $2,760,000 -36.5% 0.3%
    BETTER MORTGAGE CORPORATION $2,755,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $2,125,000 $2,530,000 19.1% 0.3%
    First Savings Bank $175,000 $2,510,000 1,334.3% 0.3%
    First Bank & Trust $1,190,000 $2,430,000 104.2% 0.3%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,610,000 $2,390,000 48.4% 0.3%
    Premier Bank $1,560,000 $2,365,000 51.6% 0.3%
    Bank of America $630,000 $2,205,000 250.0% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $855,000 $2,135,000 149.7% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $690,000 $2,065,000 199.3% 0.3%
    NEWREZ LLC $1,010,000 $2,000,000 98.0% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $495,000 $1,845,000 272.7% 0.2%
    JPMorgan Chase Bank $1,460,000 $1,830,000 25.3% 0.2%
    American State Bank $2,375,000 $1,765,000 -25.7% 0.2%
    NEW DAY FINANCIAL, LLC $550,000 $1,725,000 213.6% 0.2%
    GREENSTATE CREDIT UNION $840,000 $1,700,000 102.4% 0.2%
    VERIDIAN CREDIT UNION $1,775,000 $1,700,000 -4.2% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $125,000 $1,595,000 1,176.0% 0.2%
    UNITED WHOLESALE MORTGAGE, LLC $3,560,000 $1,595,000 -55.2% 0.2%
    Stifel Bank and Trust $1,040,000 $1,550,000 49.0% 0.2%
    AMERICAN FINANCING CORPORATION $1,500,000 n/a 0.2%
    CORTRUST MORTGAGE, INC. $2,575,000 $1,495,000 -41.9% 0.2%
    CHURCHILL MORTGAGE CORPORATION $135,000 $1,460,000 981.5% 0.2%
    First International Bank & Trust $1,435,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $355,000 $1,250,000 252.1% 0.2%
    Security National Bank of South Dakota $1,250,000 n/a 0.2%
    CHARTER WEST BANK $455,000 $1,235,000 171.4% 0.2%
    KELLER MORTGAGE, LLC $375,000 $1,105,000 194.7% 0.1%
    MID AMERICA MORTGAGE, INC. $1,065,000 $1,080,000 1.4% 0.1%
    CU MORTGAGE DIRECT, LLC $2,015,000 $1,035,000 -48.6% 0.1%
    Low VA Rates, LLC $940,000 $1,025,000 9.0% 0.1%
    KS StateBank $405,000 $1,000,000 146.9% 0.1%
    Ally Bank $105,000 $980,000 833.3% 0.1%
    Reliabank Dakota $560,000 $980,000 75.0% 0.1%
    DAS Acquisition Company, LLC $405,000 $965,000 138.3% 0.1%
    The Huntington National Bank $935,000 n/a 0.1%
    Flanagan State Bank $135,000 $900,000 566.7% 0.1%
    VILLAGE CAPITAL & INVESTMENT LLC $1,230,000 $900,000 -26.8% 0.1%
    Midwest Heritage Bank FSB $1,730,000 $885,000 -48.8% 0.1%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $105,000 $845,000 704.8% 0.1%
    SIOUX FALLS $2,295,000 $825,000 -64.1% 0.1%
    The Federal Savings Bank $1,605,000 $780,000 -51.4% 0.1%
    CRESCENT MORTGAGE COMPANY $775,000 n/a 0.1%
    First Guaranty Mortgage Corporation $360,000 $735,000 104.2% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $735,000 n/a 0.1%
    FINANCE OF AMERICA MORTGAGE LLC $495,000 $725,000 46.5% 0.1%
    N.W. Iowa Credit Union $170,000 $700,000 311.8% 0.1%
    Pinnacle Bank $515,000 $700,000 35.9% 0.1%
    North American Savings Bank, F.S.B. $990,000 $670,000 -32.3% 0.1%
    BANKWEST, INC. $180,000 $650,000 261.1% 0.1%
    PENTAGON FEDERAL CREDIT UNION $600,000 $635,000 5.8% 0.1%
    21ST MORTGAGE CORPORATION $440,000 $605,000 37.5% 0.1%
    Ixonia Bank $565,000 $605,000 7.1% 0.1%
    First National Bank $1,220,000 $595,000 -51.2% 0.1%
    Raccoon Valley Bank $920,000 $540,000 -41.3% 0.1%
    Bank of the West $740,000 $510,000 -31.1% 0.1%
    Frontier Bank $200,000 $510,000 155.0% 0.1%
    Paramount Residential Mortgage Group, Inc. $425,000 $500,000 17.6% 0.1%
    AMERICAN ADVISORS GROUP $190,000 $490,000 157.9% 0.1%
    EMBRACE HOME LOANS, INC. $155,000 $490,000 216.1% 0.1%
    Barrington Bank & Trust Company, N.A. $870,000 $485,000 -44.3% 0.1%
    CALIBER HOME LOANS, INC. $960,000 $475,000 -50.5% 0.1%
    SOFI LENDING CORP. $515,000 $470,000 -8.7% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $910,000 $455,000 -50.0% 0.1%
    First Savings Bank $175,000 $440,000 151.4% 0.1%
    Bankers' Bank $435,000 n/a 0.1%
    Lend Smart Mortgage, LLC $615,000 $430,000 -30.1% 0.1%
    Truity Federal Credit Union $425,000 n/a 0.1%
    CMG MORTGAGE, INC. $725,000 $410,000 -43.4% 0.1%
    The Central Trust Bank $405,000 n/a 0.1%
    The First National Bank in Sioux Falls $215,000 $405,000 88.4% 0.1%
    Wyndham Capital Mortgage, Inc. $390,000 n/a 0.0%
    Paramount Bank $375,000 n/a 0.0%
    RESIDENTIAL BANCORP. $370,000 n/a 0.0%
    DELMAR FINANCIAL COMPANY $355,000 n/a 0.0%
    American Mortgage & Equity Consultants, Inc. $345,000 n/a 0.0%
    Truist Bank $590,000 $335,000 -43.2% 0.0%
    United Fidelity Funding Corp. $320,000 n/a 0.0%
    Fifth Third Bank $305,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $300,000 n/a 0.0%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $295,000 n/a 0.0%
    MORIA DEVELOPMENT, INC. $290,000 n/a 0.0%
    Lincoln FSB of Nebraska $285,000 n/a 0.0%
    Servion, Inc. $610,000 $280,000 -54.1% 0.0%
    Access Bank $265,000 n/a 0.0%
    CHERRY CREEK MORTGAGE, LLC $265,000 n/a 0.0%
    First Bank $265,000 n/a 0.0%
    SeaTrust Mortgage Company $265,000 n/a 0.0%
    Sunflower Bank $55,000 $265,000 381.8% 0.0%
    AMERICAN PACIFIC MORTGAGE CORPORATION $255,000 n/a 0.0%
    Collins Community Credit Union $255,000 n/a 0.0%
    FINANCE OF AMERICA COMMERCIAL LLC $250,000 n/a 0.0%
    Bank of Whittier $245,000 n/a 0.0%
    GENEVA FINANCIAL, LLC $245,000 n/a 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $240,000 n/a 0.0%
    First Home Bank $360,000 $225,000 -37.5% 0.0%
    Discover Bank $185,000 $215,000 16.2% 0.0%
    MORTGAGE ACCESS CORP. $215,000 n/a 0.0%
    MOVEMENT MORTGAGE, LLC $215,000 n/a 0.0%
    Vibrant Credit Union $595,000 $215,000 -63.9% 0.0%
    GNB Bank $210,000 n/a 0.0%
    Dacotah Bank $205,000 n/a 0.0%
    Manufacturers and Traders Trust Company $205,000 $200,000 -2.4% 0.0%
    Washington State Bank $95,000 $200,000 110.5% 0.0%
    AMERICAN FINANCE HOUSE LARIBA $145,000 $195,000 34.5% 0.0%
    FOUR POINTS $195,000 n/a 0.0%
    Core Bank $175,000 n/a 0.0%
    HOMESIDE FINANCIAL, LLC $175,000 n/a 0.0%
    AMERICAN FINANCIAL NETWORK, INC. $390,000 $165,000 -57.7% 0.0%
    AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.0%
    EVERETT FINANCIAL, INC. $165,000 n/a 0.0%
    HOMESERVICES LENDING, LLC $165,000 n/a 0.0%
    Northpointe Bank $165,000 n/a 0.0%
    Bank of England $215,000 $155,000 -27.9% 0.0%
    Dundee Bank $155,000 n/a 0.0%
    CANOPY MORTGAGE, LLC $145,000 n/a 0.0%
    American Bank & Trust $710,000 $135,000 -81.0% 0.0%
    Equity Bank $135,000 n/a 0.0%
    FirstBank of Nebraska $135,000 n/a 0.0%
    First Federal Bank $135,000 n/a 0.0%
    INLANTA MORTGAGE, INC. $470,000 $135,000 -71.3% 0.0%
    Arbor Bank $85,000 $125,000 47.1% 0.0%
    PLANET HOME LENDING, LLC $125,000 n/a 0.0%
    American National Bank $205,000 $115,000 -43.9% 0.0%
    First Nebraska Bank $805,000 $115,000 -85.7% 0.0%
    MEMBERS1st Community Credit Union $115,000 n/a 0.0%
    Baxter Credit Union $105,000 n/a 0.0%
    Figure Lending LLC $105,000 n/a 0.0%
    S1L, Inc. $105,000 n/a 0.0%
    NexBank $95,000 n/a 0.0%
    PNC Bank $155,000 $95,000 -38.7% 0.0%
    Think Mutual Bank $205,000 $95,000 -53.7% 0.0%
    Tradition Mortgage, LLC $275,000 $85,000 -69.1% 0.0%
    PHH Mortgage Corporation $75,000 n/a 0.0%
    CorTrust Bank $65,000 n/a 0.0%
    THRIVENT Federal Credit Union $65,000 n/a 0.0%
    MUTUAL FIRST $55,000 n/a 0.0%
    Elements Financial Federal Credit Union $35,000 n/a 0.0%
    State Department Federal Credit Union $35,000 n/a 0.0%
    DUPACO COMMUNITY $280,000 $25,000 -91.1% 0.0%
    GREATER IOWA CREDIT UNION $25,000 n/a 0.0%
    FirstBank $410,000 $15,000 -96.3% 0.0%

    SIOUX CITY's top lender by overall market share is Central Bank, with 8.2% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $52,605,000 in loans. In third place, with 5.6%, is Wells Fargo Bank, having originated $45,045,000 in loans. In fourth place, with 5.4%, is The Security National Bank of Sioux City, Iowa, having originated $43,840,000 in loans. In fifth place, with 5.3%, is Northwest Bank, having originated $42,545,000 in loans.

    SIOUX CITY Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - SIOUX CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $209,000 (17.2%) $267,531 (9.0%) 0.74 310
    2018-02-01 $209,863 (17.9%) $270,215 (15.8%) 0.75 296
    2018-03-01 $219,900 (18.9%) $261,810 (8.6%) 0.71 300
    2018-04-01 $216,450 (12.2%) $257,976 (5.7%) 0.69 325
    2018-05-01 $224,975 (16.9%) $263,283 (3.1%) 0.70 318
    2018-06-01 $224,900 (18.4%) $264,335 (3.6%) 0.72 321
    2018-07-01 $224,950 (12.5%) $266,536 (5.3%) 0.73 319
    2018-08-01 $210,499 (5.3%) $260,234 (2.9%) 0.69 320
    2018-09-01 $200,000 (0.0%) $256,460 (-0.1%) 0.70 343
    2018-10-01 $209,938 (5.0%) $256,192 (0.0%) 0.72 341
    2018-11-01 $202,000 (1.2%) $252,981 (1.8%) 0.70 354
    2018-12-01 $199,450 (-4.6%) $255,955 (-1.6%) 0.70 344
    2019-01-01 $196,125 (-6.2%) $246,290 (-7.9%) 0.69 344
    2019-02-01 $204,500 (-2.6%) $250,711 (-7.2%) 0.72 313
    2019-03-01 $226,143 (2.8%) $264,100 (0.9%) 0.73 288
    2019-04-01 $249,450 (15.3%) $284,189 (10.2%) 0.76 268
    2019-05-01 $249,988 (11.1%) $297,044 (12.8%) 0.76 275
    2019-06-01 $250,000 (11.2%) $297,870 (12.7%) 0.77 285
    2019-07-01 $238,450 (6.0%) $286,017 (7.3%) 0.73 294
    2019-08-01 $226,773 (7.7%) $277,469 (6.6%) 0.71 318
    2019-09-01 $211,432 (5.7%) $263,088 (2.6%) 0.69 352
    2019-10-01 $198,875 (-5.3%) $251,518 (-1.8%) 0.63 386
    2019-11-01 $191,250 (-5.3%) $245,518 (-3.0%) 0.62 382
    2019-12-01 $189,075 (-5.2%) $245,785 (-4.0%) 0.64 355
    2020-01-01 $188,000 (-4.1%) $246,255 (0.0%) 0.64 339
    2020-02-01 $189,450 (-7.4%) $247,124 (-1.4%) 0.64 311
    2020-03-01 $202,450 (-10.5%) $256,079 (-3.0%) 0.63 307
    2020-04-01 $214,713 (-13.9%) $259,826 (-8.6%) 0.69 303
    2020-05-01 $229,950 (-8.0%) $277,034 (-6.7%) 0.70 303
    2020-06-01 $234,000 (-6.4%) $271,422 (-8.9%) 0.68 322
    2020-07-01 $235,688 (-1.2%) $273,940 (-4.2%) 0.68 295
    2020-08-01 $220,000 (-3.0%) $273,251 (-1.5%) 0.64 275
    2020-09-01 $215,000 (1.7%) $275,279 (4.6%) 0.64 271
    2020-10-01 $219,975 (10.6%) $274,538 (9.2%) 0.62 252
    2020-11-01 $218,100 (14.0%) $277,887 (13.2%) 0.63 246
    2020-12-01 $226,000 (19.5%) $278,707 (13.4%) 0.68 215
    2021-01-01 $242,450 (29.0%) $286,443 (16.3%) 0.73 192
    2021-02-01 $259,975 (37.2%) $298,314 (20.7%) 0.73 179
    2021-03-01 $269,450 (33.1%) $304,630 (19.0%) 0.73 167
    2021-04-01 $274,938 (28.1%) $320,737 (23.4%) 0.75 156
    2021-05-01 $254,900 (10.9%) $305,309 (10.2%) 0.70 159
    2021-06-01 $251,200 (7.4%) $296,297 (9.2%) 0.69 165
    2021-07-01 $224,900 (-4.6%) $285,674 (4.3%) 0.61 178
    2021-08-01 $216,450 (-1.6%) $284,210 (4.0%) 0.60 204
    2021-09-01 $201,200 (-6.4%) $265,837 (-3.4%) 0.54 201
    2021-10-01 $197,000 (-10.4%) $257,044 (-6.4%) 0.53 199
    2021-11-01 $191,625 (-12.1%) $296,560 (6.7%) 0.51 177
    2021-12-01 $203,725 (-9.9%) $314,949 (13.0%) 0.55 149
    2022-01-01 $192,500 (-20.6%) $343,206 (19.8%) 0.55 117
    2022-02-01 $284,625 (9.5%) $386,035 (29.4%) 0.74 114
    2022-03-01 $302,250 (12.2%) $397,079 (30.4%) 0.73 104
    2022-04-01 $300,000 (9.1%) $386,108 (20.4%) 0.73 111
    2022-05-01 $299,912 (17.7%) $394,871 (29.3%) 0.69 133
    2022-06-01 $310,975 (23.8%) $397,595 (34.2%) 0.68 155
    2022-07-01 $294,500 (31.0%) $374,106 (31.0%) 0.66 181
    2022-08-01 $290,000 (34.0%) $372,549 (31.1%) 0.66 187
    2022-09-01 $281,875 (40.1%) $366,537 (37.9%) 0.00 189
    2022-10-01 $295,000 (49.8%) $354,881 (38.1%) 0.00 190
    2022-11-01 $290,000 (51.3%) $349,299 (17.8%) 0.00 228
    SIOUX CITY's median listing price for 2022-11-01 was $290,000, a difference of $98,375 (51.3%) versus the prior year and $-5,000 versus the prior month.

    SIOUX CITY's median listing price comes in at 0% of the national average.

    SIOUX CITY's average listing price for 2022-11-01 was $349,299, a difference of $52,739 (17.8%) versus the prior year and $-5,582 versus the prior month.

    For the 2022-11-01 period, SIOUX CITY had 228 MLS listings, a difference of 38 listings (20%) versus the prior month and 51 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - SIOUX CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 95 days 1,944 sqft
    2018-02-01 94 days 1,978 sqft
    2018-03-01 74 days 1,945 sqft
    2018-04-01 50 days 1,933 sqft
    2018-05-01 53 days 1,967 sqft
    2018-06-01 57 days 1,971 sqft
    2018-07-01 61 days 1,948 sqft
    2018-08-01 58 days 2,001 sqft
    2018-09-01 51 days 1,954 sqft
    2018-10-01 58 days 1,965 sqft
    2018-11-01 59 days 1,916 sqft
    2018-12-01 72 days 1,899 sqft
    2019-01-01 88 days 1,882 sqft
    2019-02-01 95 days 1,820 sqft
    2019-03-01 90 days 1,845 sqft
    2019-04-01 64 days 1,895 sqft
    2019-05-01 48 days 1,979 sqft
    2019-06-01 56 days 2,016 sqft
    2019-07-01 52 days 1,979 sqft
    2019-08-01 55 days 1,965 sqft
    2019-09-01 51 days 1,944 sqft
    2019-10-01 49 days 1,920 sqft
    2019-11-01 59 days 1,910 sqft
    2019-12-01 72 days 1,924 sqft
    2020-01-01 84 days 1,930 sqft
    2020-02-01 80 days 1,936 sqft
    2020-03-01 63 days 1,955 sqft
    2020-04-01 67 days 1,929 sqft
    2020-05-01 64 days 1,957 sqft
    2020-06-01 54 days 1,928 sqft
    2020-07-01 57 days 1,905 sqft
    2020-08-01 65 days 1,820 sqft
    2020-09-01 58 days 1,843 sqft
    2020-10-01 55 days 1,898 sqft
    2020-11-01 58 days 1,837 sqft
    2020-12-01 71 days 1,755 sqft
    2021-01-01 85 days 1,767 sqft
    2021-02-01 94 days 1,773 sqft
    2021-03-01 64 days 1,822 sqft
    2021-04-01 50 days 1,926 sqft
    2021-05-01 38 days 1,878 sqft
    2021-06-01 37 days 1,862 sqft
    2021-07-01 32 days 1,817 sqft
    2021-08-01 38 days 1,704 sqft
    2021-09-01 41 days 1,611 sqft
    2021-10-01 37 days 1,668 sqft
    2021-11-01 45 days 1,616 sqft
    2021-12-01 55 days 1,616 sqft
    2022-01-01 67 days 1,569 sqft
    2022-02-01 37 days 1,703 sqft
    2022-03-01 46 days 1,783 sqft
    2022-04-01 38 days 1,753 sqft
    2022-05-01 34 days 1,851 sqft
    2022-06-01 30 days 1,935 sqft
    2022-07-01 35 days 1,920 sqft
    2022-08-01 39 days 1,930 sqft
    2022-09-01 0 days 1,919 sqft
    2022-10-01 0 days 1,992 sqft
    2022-11-01 0 days 1,918 sqft
    SIOUX CITY's median listing age (time on market) for 2022-11-01 was 0 days. This is -100% shorter than the same period one year ago.

    SIOUX CITY's median square footage for active listings during the 2022-11-01 period was 1,918 sqft. One year prior, the average listing was 1,616 sqft.

    SIOUX CITY, IA-NE-SD Average Rent (2022)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    51001 Sioux City, IA-NE-SD $500 $580 $760 $950 $1,030
    51004 Sioux City, IA-NE-SD $510 $590 $770 $950 $1,040
    51006 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51007 Sioux City, IA-NE-SD $530 $610 $800 $990 $1,080
    51015 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    51016 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51018 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51019 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51023 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51026 Sioux City, IA-NE-SD $560 $650 $850 $1,050 $1,150
    51028 Sioux City, IA-NE-SD $500 $580 $760 $950 $1,030
    51030 Sioux City, IA-NE-SD $510 $590 $770 $950 $1,040
    51034 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    51039 Sioux City, IA-NE-SD $580 $670 $880 $1,090 $1,190
    51044 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51048 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51052 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51054 Sioux City, IA-NE-SD $700 $810 $1,060 $1,310 $1,440
    51055 Sioux City, IA-NE-SD $550 $630 $830 $1,030 $1,130
    51056 Sioux City, IA-NE-SD $540 $620 $820 $1,010 $1,110
    51061 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    51063 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    51101 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51102 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    51103 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    51104 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    51105 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    51106 Sioux City, IA-NE-SD $590 $680 $890 $1,100 $1,210
    51108 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    51109 Sioux City, IA-NE-SD $560 $650 $850 $1,050 $1,150
    51111 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    57001 Sioux City, IA-NE-SD $580 $650 $790 $1,040 $1,300
    57004 Sioux City, IA-NE-SD $580 $650 $790 $1,040 $1,300
    57010 Sioux City, IA-NE-SD $580 $660 $860 $1,070 $1,190
    57025 Sioux City, IA-NE-SD $610 $700 $920 $1,140 $1,250
    57034 Sioux City, IA-NE-SD $580 $650 $790 $1,040 $1,300
    57038 Sioux City, IA-NE-SD $590 $670 $890 $1,100 $1,200
    57049 Sioux City, IA-NE-SD $670 $770 $1,010 $1,250 $1,370
    68030 Sioux City, IA-NE-SD $660 $750 $990 $1,220 $1,340
    68710 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    68728 Sioux City, IA-NE-SD $550 $630 $830 $1,030 $1,130
    68731 Sioux City, IA-NE-SD $530 $610 $800 $990 $1,080
    68732 Sioux City, IA-NE-SD $600 $680 $890 $1,100 $1,210
    68733 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    68739 Sioux City, IA-NE-SD $520 $600 $790 $980 $1,070
    68741 Sioux City, IA-NE-SD $760 $870 $1,140 $1,410 $1,550
    68743 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    68745 Sioux City, IA-NE-SD $520 $600 $790 $980 $1,070
    68751 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    68757 Sioux City, IA-NE-SD $600 $680 $900 $1,110 $1,220
    68770 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    68776 Sioux City, IA-NE-SD $570 $650 $860 $1,060 $1,170
    68784 Sioux City, IA-NE-SD $520 $600 $790 $980 $1,070
    68785 Sioux City, IA-NE-SD $500 $580 $760 $940 $1,030
    68787 Sioux City, IA-NE-SD $530 $610 $800 $990 $1,080
    68792 Sioux City, IA-NE-SD $520 $600 $790 $980 $1,070

    2022 Average & Median Rent Data Statistics
    SIOUX CITY, IA-NE-SD average 1BR rent: $638, median: $640
    SIOUX CITY, IA-NE-SD average 2BR rent: $835, median: $810
    SIOUX CITY, IA-NE-SD average 3BR rent: $1,036, median: $1,035

    SIOUX CITY, IA-NE-SD Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,863 $374,885,000 $201,227
    Refi 1,547 $271,585,000 $175,556
    Cash Out Refi 740 $123,470,000 $166,851
    Home Improvement 153 $25,195,000 $164,673
    Other 131 $12,185,000 $93,015

    Sioux City's most frequently cited loan purpose was Home Purchase, with 1,863 originations. The 2nd most popular reason was Refi, with 1,547 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,639 $296,955,000 $181,181
    3-4% 1,122 $236,690,000 $210,954
    <2.5% 799 $137,515,000 $172,109
    4-5% 141 $25,135,000 $178,262
    7-8% 44 $2,320,000 $52,727
    5-6% 32 $1,930,000 $60,313
    6-7% 14 $790,000 $56,429
    Over 8% 11 $745,000 $67,727

    During 2021, Sioux City's most frequently originated rate bucket was 2.5-3%, with 1,639 originations.

    Loan Sizing (SIOUX CITY, IA-NE-SD MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 1,948 $281,810,000 $144,666
    $100,000 or less 1,243 $77,355,000 $62,233
    $200k-400k 1,082 $285,180,000 $263,567
    $400k-600k 111 $52,935,000 $476,892
    $Over $1MM 28 $93,590,000 $3,342,500
    $600k-1000k 22 $16,450,000 $747,727

    SIOUX CITY's loan sizing saw the bucket of loans from $100k-200k with 1,948 originations, totaling $281,810,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,537 $303,985,000 $197,778
    60-80% 1,217 $253,485,000 $208,287
    40-60% 496 $81,630,000 $164,577
    20-40% 220 $23,130,000 $105,136
    Under 20% 179 $9,825,000 $54,888
    Over 100% 25 $6,685,000 $267,400

    SIOUX CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,537 originations, totaling $303,985,000 in origination value.