Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Woodbury County, Iowa
Every institution that decided a 1–4 unit mortgage application in Woodbury County, home to Sioux City, between 2023 and 2025: 6,573 applications, 5,274 loans actually funded, across 8 kinds of borrowing.
Woodbury County at a glance
6,573Applications decided
2023–2025
5,274Loans funded
80% of decisions
29Census tracts
12 ZIP codes
105,760People
ACS 2023
What the data shows
Lenders approved 86.0% of home-purchase applications in Woodbury County, 6.2 points below the Iowa rate.
The typical purchase mortgage here is $195K.
Lending by loan type in Woodbury County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.0% | 3,363 | $195K | 98% | 148 |
| Home improvement loans | 76.5% | 480 | $35K | 95% | 45 |
| Cash-out refinance | 67.2% | 969 | $115K | 97% | 88 |
| Refinance | 74.7% | 871 | $65K | 97% | 84 |
| Investment property purchase | 96.8% | 556 | $115K | 98% | 66 |
| Investment cash-out refinance | 62.9% | 35 | $75K | 100% | 16 |
| Investment refinance | 93.4% | 243 | $95K | 99% | 29 |
| Investment home improvement | 85.7% | 56 | $35K | 98% | 17 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.