Dupaco Community Mortgage Rates, Fees & Info

Dubuque, IA

LEI: 549300UXTDELQS5SLF91

Tax ID: 42-0674206

5 stars - Updated: 12/4/24 - out of 5 stars, based on 50 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Dupaco Community is a smaller mortgage company specializing in Home Purchase loans. Dupaco Community has a high proportion of conventional loans. Their top markets by origination volume include: Dubuque, Madison, Cedar Rapids, Platteville, and Des Moines among others. We have data for 83 markets. (Some data included below & more in-depth data is available with an active subscription.)

Dupaco Community has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Dupaco Community is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

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
Home Equity Line of Credit (HELOC) 5.38% 12/4/24
30 Year Conventional Purchase 6.54% 12/4/24
30 Year Conventional Refi 5.65% 12/4/24
30 Year Cash-out Refi 5.96% 12/4/24
15 Year Conventional Purchase 5.68% 12/4/24
15 Year Conventional Refi 5.38% 12/4/24
15 Year Cash-out Refi 5.38% 12/4/24
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.

Dupaco Community Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Dupaco Community. 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

2,490

Origination Dollar Volume (All Markets)

$349,680,000
Show all (13) awards

Relative Rate

Dupaco Community's average 30 year fixed mortgage rate was 6.18%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.3%.

Relative Fees (Closing Costs)

Dupaco Community's average total fees/closing costs for a 30 year fixed rate mortgage were $2,479.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
DUBUQUE, IA (FHA|USDA|VA) 925 $115,235,000 $124,578 $1,815 7.40%
Outside of Metro Areas 499 $56,505,000 $113,236 $2,308 7.43%
MADISON, WI (FHA|USDA|VA) 89 $52,045,000 $584,775 $3,254 7.10%
CEDAR RAPIDS, IA (FHA|USDA|VA) 311 $29,175,000 $93,810 $1,984 7.70%
Platteville, WI (FHA|USDA|VA) 229 $26,815,000 $117,096 $2,406 7.36%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 97 $19,095,000 $196,856 $2,454 7.48%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 113 $9,785,000 $86,593 $2,184 7.64%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 14 $7,680,000 $548,571 $2,773 7.02%
Carroll, IA (FHA|USDA|VA) 46 $4,540,000 $98,696 $2,215 7.66%
IOWA CITY, IA (FHA|USDA|VA) 26 $3,830,000 $147,308 $2,326 7.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $1,705,000 $189,444 $4,245 7.26%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $1,690,000 $169,000 $3,617 7.95%
AMES, IA (FHA|USDA|VA) 6 $1,430,000 $238,333 $3,212 6.56%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,065,000 $355,000 $2,951 7.04%
Mason City, IA (FHA|USDA|VA) 4 $990,000 $247,500 $2,865 6.53%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $885,000 $295,000 $4,947 6.42%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $825,000 $275,000 $3,445 6.71%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $825,000 $275,000 $4,475 7.46%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $815,000 $271,667 $7,110 6.50%
Clinton, IA (FHA|USDA|VA) 6 $810,000 $135,000 $2,239 6.75%
Baraboo, WI (FHA|USDA|VA) 5 $765,000 $153,000 $3,045 7.58%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $725,000 $725,000 $5,642 6.00%
TUCSON, AZ (FHA|USDA|VA) 1 $595,000 $595,000 $6,105 5.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $595,000 $119,000 $3,972 7.53%
ROCKFORD, IL (FHA|USDA|VA) 3 $545,000 $181,667 $3,101 6.17%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $515,000 $171,667 $2,543 7.21%
ROCHESTER, MN (FHA|USDA|VA) 3 $505,000 $168,333 $4,436 6.42%
Whitewater, WI (FHA|USDA|VA) 1 $495,000 $495,000 $7,650 6.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $485,000 $485,000 $4,409 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $475,000 $475,000 $7,715 5.63%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 4 $440,000 $110,000 $2,945 6.94%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,329 6.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $380,000 $190,000 $3,463 6.06%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $375,000 $375,000 $7,836 5.63%
BOISE CITY, ID (FHA|USDA|VA) 2 $370,000 $185,000 $3,935 6.25%
RICHMOND, VA (FHA|USDA|VA) 1 $365,000 $365,000 $4,058 5.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $335,000 $335,000 $3,050 5.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $305,000 $305,000 $9,091 5.50%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $300,000 $150,000 $3,088 6.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.25%
Calhoun, GA (FHA|USDA|VA) 1 $225,000 $225,000 $6,857 5.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.50%
London, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,960 5.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $215,000 $215,000 $3,038 5.63%
Ottawa, IL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
Marshalltown, IA (FHA|USDA|VA) 1 $205,000 $205,000 $2,168 6.63%
Marinette, WI-MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,926 5.88%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,391 5.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,652 6.13%
Ottumwa, IA (FHA|USDA|VA) 1 $185,000 $185,000 $3,153 5.63%
Rochelle, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,248 5.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $140,000 $35,000 $85 7.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,357 6.88%
LINCOLN, NE (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.00%
Dixon, IL (FHA|USDA|VA) 2 $120,000 $60,000 $3,591 8.01%
PEORIA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,426 5.50%
BATON ROUGE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.75%
GREELEY, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.50%
Cookeville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,208 5.50%
Sterling, IL (FHA|USDA|VA) 2 $80,000 $40,000 $2,549 7.94%
Freeport, IL (FHA|USDA|VA) 2 $70,000 $35,000 $0 9.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.00%
FOND DU LAC, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.00%
Red Wing, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
LANCASTER, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $50,000 $25,000 $550 8.00%
APPLETON, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.50%
DECATUR, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.13%
Muscatine, IA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.50%
Grants, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.50%
Oskaloosa, IA (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.00%
Paducah, KY-IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 10.40%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.25%
Dupaco Community's top markets include Dubuque, Madison, Cedar Rapids, Platteville, and Des Moines among others.

Their top states include:
  • Iowa (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against DUPACO COMMUNITY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bank
    Similarity Rank: 26
    Royal Bank
    Similarity Rank: 48
    FINANCIAL PLUS Credit Union
    Similarity Rank: 60
    DuTrac Community Credit Union
    Similarity Rank: 110
    FIRST
    Similarity Rank: 112
    LINN AREA
    Similarity Rank: 128
    Starion Bank
    Similarity Rank: 147
    GREATER IOWA CREDIT UNION
    Similarity Rank: 168
    BankIowa of Cedar Rapids
    Similarity Rank: 170
    Raccoon Valley Bank
    Similarity Rank: 175

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,401 $90,885,000 $64,872 n/a 8.31%
    Conventional 1,089 $258,795,000 $237,645 $2,239 6.30%

    For 2023, Dupaco Community's most frequently originated type of loan was HELOC, with 1,401 originations. Their 2nd most popular type was Conventional, with 1,089 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 1,031 $62,815,000 $60,926 $192 8.31%
    Home Purchase 855 $215,385,000 $251,912 $2,383 6.25%
    Refi 368 $42,790,000 $116,277 $1,823 7.72%
    Home Improvement 124 $6,440,000 $51,935 $80 8.28%
    Cash Out Refi 112 $22,250,000 $198,661 $2,465 6.35%

    For 2023, Dupaco Community's most frequently cited loan purpose was Other, with 1,031 originations. The 2nd most popular reason was Home Purchase, with 855 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,453 $97,545,000 $67,134 $2,369 8.22%
    30 Year 772 $155,730,000 $201,723 $2,479 6.18%
    5 Year 94 $33,020,000 $351,277 $185 6.75%
    10 Year 58 $19,550,000 $337,069 $868 6.94%
    20 Year 49 $4,075,000 $83,163 $1,032 6.96%
    30+ year 45 $23,845,000 $529,889 $2,475 5.71%
    Other 12 $15,030,000 $1,252,500 $0 7.30%
    1 Year 6 $870,000 $145,000 $358 9.17%
    3 Year 1 $15,000 $15,000 $80 6.50%

    For 2023, Dupaco Community's most frequently cited loan duration was 15 Year, with 1,453 originations. The 2nd most popular length was 30 Year, with 772 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 721 $137,895,000 $191,255
    $1k-2k 111 $22,075,000 $198,874
    $2k-3k 62 $15,500,000 $250,000
    $3k-4k 21 $5,745,000 $273,571
    $4k-5k 14 $4,360,000 $311,429
    $5k+ 9 $3,395,000 $377,222

    Dupaco Community's average total fees were $2,479, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 721 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 885 $85,565,000 $96,684
    Over 8% 584 $33,920,000 $58,082
    6-7% 536 $126,080,000 $235,224
    5-6% 467 $99,035,000 $212,066
    4-5% 17 $4,535,000 $266,765
    3-4% 1 $545,000 $545,000

    During 2023, Dupaco Community's average interest rate for loans was 6.18%, while their most frequently originated rate bucket for loans was 7-8%, with 885 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,434 $68,320,000 $47,643 $1,268 8.05%
    $100k-200k 622 $90,110,000 $144,871 $2,222 6.71%
    $200k-400k 333 $90,885,000 $272,928 $2,787 6.48%
    $400k-600k 73 $35,455,000 $485,685 $3,434 6.08%
    $600k-1MM 19 $13,075,000 $688,158 $2,606 6.14%
    $1MM+ 9 $51,835,000 $5,759,444 $0 6.45%

    2023 saw Dupaco Community place emphasis on $100,000 or less loans with 1,434 originations, totaling $68,320,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 628 $63,620,000 $101,306 $2,015 7.31%
    $100k-150k 574 $72,590,000 $126,463 $2,508 7.51%
    $50k or less 406 $28,860,000 $71,084 $1,895 7.35%
    $75k-100k 403 $41,555,000 $103,114 $2,250 7.66%
    $150k-250k 318 $54,910,000 $172,673 $2,768 7.51%
    $250k+ 71 $23,585,000 $332,183 $2,842 7.28%

    Dupaco Community lent most frequently to those with incomes in the $50k-75k range, with 628 originations. The second most popular income band? $100k-150k, with 574 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 575 $53,795,000 $93,557 $1,994 7.50%
    30-36% 517 $60,425,000 $116,876 $2,332 7.51%
    <20% 213 $14,005,000 $65,751 $1,911 7.74%
    36% 109 $12,715,000 $116,651 $2,229 7.31%
    40% 100 $12,300,000 $123,000 $2,437 7.47%
    42% 93 $13,765,000 $148,011 $2,543 7.20%
    39% 92 $12,750,000 $138,587 $2,392 7.49%
    38% 83 $11,085,000 $133,554 $2,154 7.34%
    >60% 79 $21,475,000 $271,835 $2,263 6.86%
    37% 78 $10,080,000 $129,231 $2,651 7.41%
    44% 67 $9,685,000 $144,552 $2,538 7.54%
    41% 67 $8,175,000 $122,015 $2,295 7.34%
    50-60% 58 $7,960,000 $137,241 $1,845 7.86%
    46% 58 $7,910,000 $136,379 $2,077 7.36%
    43% 50 $5,410,000 $108,200 $2,314 7.58%
    47% 43 $5,725,000 $133,140 $2,072 6.90%
    49% 38 $6,580,000 $173,158 $2,217 6.98%
    48% 36 $5,580,000 $155,000 $2,083 6.86%
    45% 36 $4,820,000 $133,889 $2,214 7.42%

    Dupaco Community lent most frequently to those with DTI ratios of 20-30%, with 575 originations. The next most common DTI ratio? 30-36%, with 517 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,118 $256,580,000 $121,143 $2,248 7.40%
    Not applicable 86 $63,430,000 $737,558 $0 6.90%
    Not provided 225 $22,115,000 $98,289 $2,177 7.91%
    Asian 25 $3,145,000 $125,800 $1,868 7.34%
    American Indian 9 $1,965,000 $218,333 $2,706 6.54%
    Black 25 $1,855,000 $74,200 $1,829 7.73%
    Native Hawaiian or Islander 1 $315,000 $315,000 $3,052 6.25%
    Asian Indian 1 $275,000 $275,000 $2,612 6.75%

    Approval Rates

    Total approvals of all applications
    78.28%

    Dupaco Community has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    90.12%

    Dupaco Community has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,490 $349,680,000 $140,434

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,490 $349,680,000 $140,434

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 637 $45,725,000 $71,782 $1,449 8.15%
    40-60% 227 $34,855,000 $153,546 $2,376 7.26%
    60-80% 418 $124,820,000 $298,612 $2,478 6.55%
    80-100% 506 $111,150,000 $219,664 $2,522 6.24%
    Over 100% 6 $2,630,000 $438,333 $2,235 7.67%
    Under 20% 690 $25,130,000 $36,420 $304 8.22%