# SIOUXLAND FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/siouxland-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SIOUXLAND FEDERAL CREDIT UNION is a credit union, headquartered in South Sioux City, NE, serving borrowers across 4 states, with 114 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FX2QBKG7ZTBX37
- **Headquarters:** South Sioux City, NE
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, IA, NE, SD
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.058%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,571
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 114
- **Dollar Volume:** $20 million
- **Applications Received:** 159
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $173,947
- **Average Borrower Income:** $101,702
- **Average Property Value:** $280,877

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 113 | -0.058% | $1,571 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 50 loans, Score: 48/100 (Sound)
- Refinance: 63 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 50 | $12M | -0.062% | Sound ☺️ |
| Refinance | 67/100 | 64 | $8M | -0.054% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 64 | 0.18% | 64/100 |
| NE | 31 | 0.14% | 59/100 |
| SD | 18 | 0.20% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sioux City, IA |  | 101 | 89/100 |
| Non |  | 10 | 25/100 |

## Where This Lender Ranks

SIOUXLAND FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in South Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Sioux City, IA
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders)
- 🏆 **#14** in Sioux City, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/sioux-city-ia/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SIOUXLAND FEDERAL CREDIT UNION offer?

SIOUXLAND FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SIOUXLAND FEDERAL CREDIT UNION offer mortgages?

SIOUXLAND FEDERAL CREDIT UNION offers mortgages in 4 states: AZ, IA, NE, SD.

### How competitive are SIOUXLAND FEDERAL CREDIT UNION's mortgage rates?

SIOUXLAND FEDERAL CREDIT UNION has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.058% below market average.

### What type of lender is SIOUXLAND FEDERAL CREDIT UNION?

SIOUXLAND FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in South Sioux City, NE.

### What is SIOUXLAND FEDERAL CREDIT UNION's loan approval success rate?

SIOUXLAND FEDERAL CREDIT UNION has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/siouxland-federal-credit-union

### How to Cite

> "SIOUXLAND FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/siouxland-federal-credit-union

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