Applications / Mortgage Analytics / Lenders / Nebraska / Siouxland Federal Credit Union
South Sioux City, NE · Credit union · NCUA · $337 million assets · 221 loans in 2025
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221
loans originated, 2025
298
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Siouxland Federal Credit Union is a refinancing lender with a steady place in Sioux City, where it ranks seventh of 167 mortgage lenders and has reported loans since 1990.
In Sioux City it made 4.5% of mortgage lending by value in 2025, the same share as in 2024, and ranked 7 of 167 lenders. Central Bank and Primebank lead the market. Elsewhere, from non-metro Iowa to a handful of loans in Florida and Arizona, its presence is slight.
Refinances made up 64.3% of its loans and home purchases 33.5%. Every loan was conventional, with none backed by a federal agency, as is usual among similar lenders (credit unions making between half and twice as many loans).
Its 221 loans matched the 2024 count, while similar lenders grew by 7% and the whole market by 10%. Its typical rate, 5.99%, was lower than at nearly nine in ten of them, against 6.75% for the typical peer. Its refinance denial rate, 20.2%, was close to their 22.0%.
Of its loans, 23.5% went to majority-minority neighborhoods, about double the 11.7% at similar lenders and higher than at about two-thirds of them. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 15.4%, was near the middle of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Siouxland Federal Credit Union took 298 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.3% · Purchase 33.5% · Home improvement 2.3%
Conventional 100.0% · of 221 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 129 | 58.4% |
| Nebraska | 58 | 26.2% |
| South Dakota | 27 | 12.2% |
| Arizona | 4 | 1.8% |
| Florida | 1 | 0.5% |
| Tennessee | 1 | 0.5% |
| Texas | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 186 |
| Phoenix-Mesa-Chandler | 4 |
| Omaha | 3 |
| Des Moines-West Des Moines | 2 |
| Sioux Falls | 2 |
| Dallas-Plano-Irving | 1 |
| Naples-Marco Island | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FX2QBKG7ZTBX37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 742690 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524327 | 1990–2017 |
Established 1 January 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Siouxland Federal Credit Union's data.
Siouxland Federal Credit Union's data
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Siouxland Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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