Dutrac Community Credit Union Mortgage Rates, Fees & Info
Dubuque, IALEI: 254900LIEBWBUKVDWP33
Tax ID: 42-0670685
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Dutrac Community Credit Union is a smaller credit union specializing in Home Purchase loans. Dutrac Community Credit Union has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Davenport, Dubuque, Platteville, Cedar Rapids, and Clinton among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)Dutrac Community Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.35% | 11/17/24 |
| 30 Year Conventional Refi | 6.43% | 11/17/24 |
| 30 Year Cash-out Refi | 6.60% | 11/17/24 |
| 30 Year FHA Refi | 6.58% | 11/17/24 |
| 30 Year VA Purchase | 6.16% | 11/17/24 |
| 30 Year USDA Purchase | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 5.75% | 11/17/24 |
| 15 Year Conventional Refi | 5.70% | 11/17/24 |
| 15 Year Cash-out Refi | 5.70% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Dutrac Community Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Dutrac Community Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
353Origination Dollar Volume (All Markets)
$52,805,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 155 | $25,345,000 | $163,516 | $0 | 0.00% |
| DUBUQUE, IA (FHA|USDA|VA) | 124 | $18,260,000 | $147,258 | $0 | 0.00% |
| Outside of Metro Areas | 26 | $3,080,000 | $118,462 | $0 | 0.00% |
| Platteville, WI (FHA|USDA|VA) | 12 | $1,500,000 | $125,000 | $0 | 0.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 13 | $1,275,000 | $98,077 | $0 | 0.00% |
| Clinton, IA (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $0 | 0.00% |
| Muscatine, IA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| Sterling, IL (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against DuTrac Community Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 68
Similarity Rank: 76
Similarity Rank: 84
Similarity Rank: 117
Similarity Rank: 117
Similarity Rank: 120
Similarity Rank: 125
Similarity Rank: 216
Similarity Rank: 234
Similarity Rank: 273
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 343 | $51,485,000 | $150,102 | $0 | 0.00% |
| VA | 7 | $1,035,000 | $147,857 | $0 | 0.00% |
| USDA | 3 | $285,000 | $95,000 | $0 | 0.00% |
For 2018, Dutrac Community Credit Union's most frequently originated type of loan was Conventional, with 343 originations. Their 2nd most popular type was VA, with 7 originations.
Loan Reason
For 2018, Dutrac Community Credit Union's most frequently cited loan purpose was Home Purchase, with 234 originations. The 2nd most popular reason was Refi, with 60 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 353 | $52,805,000 | $149,589 | $0 | 0.00% |
For 2018, Dutrac Community Credit Union's most frequently cited loan duration was Other, with 353 originations.
Loan Sizing
2018 saw Dutrac Community Credit Union place emphasis on $100k-200k loans with 168 originations, totaling $23,470,000 in origination value.
Applicant Income
Dutrac Community Credit Union lent most frequently to those with incomes in the $50k-75k range, with 103 originations. The second most popular income band? $50k or less, with 86 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 353 | $52,805,000 | $149,589 | $0 | 0.00% |
Dutrac Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 353 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.98%
Dutrac Community Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination90.08%
Dutrac Community Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 353 | $52,805,000 | $149,589 |