DSCR Loans in Woodbury County, Iowa
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 36 lenders made 299 investment-property loans in Woodbury County, 5.1% of Iowa's total. Dominick Prevete arranges DSCR loans across Woodbury County, Iowa, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $200,000.
Woodbury County investor market at a glance
| Statistic | Woodbury County | Iowa | County rank |
|---|---|---|---|
| Investor loans | 299 | 5,822 | 6th of 9 |
| Reporting lenders | 36 | 349 | 9th of 9 |
| Loan volume | $39.1M | $896.7M | 8th of 9 |
| Average loan | $131K | $154K | 8th of 9 |
| Median loan | $115K | $125K | 7th of 9 |
| Purchases | 57.9% | 63.1% | 9th of 9 |
| Cash-out refinances | 2.3% | 5.5% | 9th of 9 |
| 2–4 unit properties | 30.1% | 23.2% | 1st of 9 |
| Top five lenders' share | 62.5% | 19.8% | 3rd of 9 |
| Reported business-purpose | 19.4% | 47.3% | 9th of 9 |
Woodbury County: closed-end loans on 1–4 unit investment properties. Woodbury County's rank is highest first, among Iowa's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Woodbury County's investor loans.
What stands out in Woodbury County
19.4% of Woodbury County's investor loans were reported as business-purpose, the lowest share of Iowa's 9 counties with published data (statewide: 47.3%).
Fewer investor loans here were reported as business-purpose than in most of Iowa. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
2.3% of Woodbury County's investor loans were cash-out refinances, the lowest share of Iowa's 9 counties with published data (statewide: 5.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
30.1% of Woodbury County's investor loans financed a 2–4 unit property, the highest share of Iowa's 9 counties with published data (statewide: 23.2%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Woodbury County?
At HUD's fair market rent of $1,447 for a 3-bedroom in Woodbury County, Iowa, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Woodbury County's median home value is $183,200; at that price the payment is $1,297 a month, so the property would need $1,300 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,194 / $1,447 / $1,618 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $183,200 |
| Median property taxes and effective rate | $2,656 (1.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,297 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $335,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Woodbury County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Woodbury County?
The most active investment-property lenders in Woodbury County in 2025 HMDA data were Primebank; The Security National Bank of Sioux City, Iowa; and Peoples Bank, out of 36 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Woodbury County, and matches each file to the one most likely to fund it.
Woodbury County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 299 loans and $39.1M from 36 lenders. Primebank led Woodbury County with 63 loans, 21.1% of the county's total, and the average Woodbury County loan of $131K compares with $154K across Iowa.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Primebank | 63 | $8.0M | $127K | 74.6% |
| The Security National Bank of Sioux City, Iowa | 37 | $4.7M | $127K | 40.5% |
| Peoples Bank | 34 | $4.7M | $138K | 61.8% |
| Availa Bank | 34 | $4.1M | $122K | 38.2% |
| Central Bank | 19 | $2.3M | $122K | 52.6% |
| Pioneer Bank | 17 | $3.0M | $179K | 70.6% |
| Midstates Bank, National Association | 16 | $1.7M | $104K | 75.0% |
| BankFirst | 14 | $1.6M | $111K | 42.9% |
| F&M Bank | 9 | $1.0M | $108K | 33.3% |
| U.S. Bank National Association | 8 | $1.0M | $124K | 75.0% |
| Northwest Bank | 7 | $1.2M | $174K | 100.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 7 | $0.5M | $69K | 57.1% |
| First Dakota National Bank | 5 | $0.2M | $37K | 0.0% |
| United Bank of Iowa | 3 | $0.2M | $72K | 100.0% |
| Union Bank and Trust Company | 2 | $0.5M | $265K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.3M | $175K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.3M | $125K | 0.0% |
| First Community Bank | 2 | $0.2M | $110K | 0.0% |
| Sovereign Bank | 1 | $1.8M | $1795K | 0.0% |
| Rocket Mortgage, LLC | 1 | $0.3M | $305K | 0.0% |
| CV3 Financial Services, LLC | 1 | $0.2M | $155K | 100.0% |
| Citadel Servicing Corporation | 1 | $0.1M | $135K | 100.0% |
| First International Bank & Trust | 1 | $0.1M | $135K | 0.0% |
| United Wholesale Mortgage | 1 | $0.1M | $125K | 100.0% |
| The Shelby County State Bank | 1 | $0.1M | $115K | 0.0% |
50 Iowa loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Woodbury County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Woodbury County CSV, all 25 lenders
What Woodbury County's table can't show you: fit. Short-term financing is exempt from HMDA, so Woodbury County's fix-and-flip and bridge lenders barely appear among its 36 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Woodbury County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Woodbury County |
|---|---|---|---|
| Douglas County, NE | 1,310 | 154 | About 75 miles away |
| Pottawattamie County, IA | 311 | 61 | About 75 miles away |
| Sarpy County, NE | 258 | 82 | About 90 miles away |
| Minnehaha County, SD | 316 | 55 | About 95 miles away |
Run the coverage test on your Woodbury County, Iowa deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Woodbury County, Iowa property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Woodbury County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 36 lenders and 299 loans: 2025 HMDA loan-level data rolled up to Woodbury County.
- Woodbury County investor-lender dataset (CSV) — All 25 lenders in the Woodbury County, Iowa table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Woodbury County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Sioux City, IA-NE-SD MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Woodbury County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.