Mortgage lending in Sac County, Iowa

Lenders in Sac County, Iowa reported 203 mortgage applications for 2025, according to the CFPB.

203 mortgage applications and 135 loans originated in 2025; the denial rate was 14.5% of 165 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Sac County, IA.

203
Applications: 135
Loans originated: 14.5%
Denial rate: 24 denied of 165 applications decided.

Every year

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Mortgage applications and loans originated in Sac County, Iowa, by year
Year	Applications	Originated	Denied
2025	203	135	24
2024	204	138	36
2023	158	89	28
2022	166	101	37
2021	255	174	38
2020	232	165	35
2019	166	98	37
2018	173	107	39

The largest lenders here

Lenders in Sac County, Iowa by loans originated, 2025
Lender	Originated	Applications
United Bank of Iowa	31	45
Westside State Bank	20	20
Central Bank	10	11
Rocket Mortgage	8	11
Shelby County State Bank	7	7
Dupaco Community Credit Union	7	8
Iowa Bankers Mortgage Corporation	5	9
Northwest Bank	5	6
Farm Credit Mid-America, Aca	3	4
Greater Iowa Credit Union	3	5
Mortgage Research Center	3	3
Flanagan State Bank	2	2
Ark-LA-Tex Financial Services LLC	2	2
Veridian Credit Union	2	2
Availa Bank	2	2
Lower, LLC	2	2
Cardinal Financial Company, Li	2	2
Pennymac Loan Services LLC	2	4
MEMBERS1st Community Credit Union	1	1
Figure Lending LLC	1	1
Coastal Community Bank	1	4
Navy Federal Credit Union	1	2
Endeavor Capital, LLC	1	2
Primebank	1	1
Newrez LLC	1	2

Applications by race, ethnicity and sex, 2025

By race, Sac County, Iowa: applications and denial rate
Category	Applications	Denial rate
Asian	under 10
Native Hawaiian or Other Pacific Islander	under 10
White	177	12.9% of 147 decided
Joint	under 10
Free Form Text Only	under 10
Race Not Available	16	no rate: base under 50

By ethnicity, Sac County, Iowa: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	withheld
Not Hispanic or Latino	170	14.3% of 140 decided
Joint	under 10
Ethnicity Not Available	16	no rate: base under 50

By sex, Sac County, Iowa: applications and denial rate
Category	Applications	Denial rate
Male	69	16.7% of 60 decided
Female	withheld
Joint	88	13.6% of 66 decided
Sex Not Available	under 10

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Rankings this appears in

No. 2556 Counties by median mortgage

Sources

HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved October 22, 2026