Dupaco Community Mortgage Rates, Fees & Info
Dubuque, IALEI: 549300UXTDELQS5SLF91
Tax ID: 42-0674206
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Mortgage Data
Review & Overview
Dupaco Community is a smaller mortgage company specializing in Refi and Home Purchase loans. Dupaco Community has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dubuque, Cedar Rapids, Platteville, Waterloo, and Davenport among others. We have data for 61 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 a below 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.38% | 11/21/24 |
| 30 Year Conventional Purchase | 6.54% | 11/21/24 |
| 30 Year Conventional Refi | 5.65% | 11/21/24 |
| 30 Year Cash-out Refi | 5.96% | 11/21/24 |
| 15 Year Conventional Purchase | 5.68% | 11/21/24 |
| 15 Year Conventional Refi | 5.38% | 11/21/24 |
| 15 Year Cash-out Refi | 5.38% | 11/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,597Origination Dollar Volume (All Markets)
$259,825,000Awards
DUPACO COMMUNITY - 2018
DUPACO COMMUNITY is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 1,102 | $108,600,000 | $98,548 | $2,275 | 4.91% |
| Outside of Metro Areas | 553 | $47,085,000 | $85,145 | $2,528 | 4.83% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 340 | $34,510,000 | $101,500 | $2,672 | 5.33% |
| Platteville, WI (FHA|USDA|VA) | 239 | $20,755,000 | $86,841 | $2,562 | 4.86% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 117 | $7,615,000 | $65,085 | $2,127 | 5.20% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 13 | $7,585,000 | $583,462 | $2,748 | 4.42% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $6,385,000 | $2,128,333 | $0 | 4.33% |
| Carroll, IA (FHA|USDA|VA) | 72 | $6,070,000 | $84,306 | $2,743 | 5.08% |
| MADISON, WI (FHA|USDA|VA) | 44 | $4,650,000 | $105,682 | $2,713 | 4.86% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 17 | $2,865,000 | $168,529 | $2,161 | 4.10% |
| IOWA CITY, IA (FHA|USDA|VA) | 15 | $1,585,000 | $105,667 | $2,473 | 5.32% |
| Baraboo, WI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $1,817 | 5.21% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,964 | 3.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,093 | 4.33% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,088 | 4.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $3,040 | 4.60% |
| Clinton, IA (FHA|USDA|VA) | 7 | $715,000 | $102,143 | $2,002 | 5.11% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,676 | 4.46% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 4.50% |
| Freeport, IL (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $2,999 | 4.22% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,171 | 4.25% |
| AMES, IA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,103 | 4.19% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,050 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 4.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,272 | 4.50% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,925 | 4.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,529 | 3.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,265 | 3.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,981 | 4.38% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,547 | 5.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,007 | 4.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,138 | 4.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,153 | 4.25% |
| El Dorado, AR (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,598 | 4.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,258 | 4.44% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,560 | 3.88% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,506 | 4.63% |
| Fort Dodge, IA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,284 | 4.44% |
| Mason City, IA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.38% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,787 | 5.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,245 | 4.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,796 | 4.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,383 | 4.25% |
| Sterling, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,217 | 5.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,071 | 4.38% |
| Roswell, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,328 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,421 | 4.75% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,868 | 4.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,878 | 3.88% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,794 | 4.13% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.00% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,519 | 3.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.25% |
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.
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Product Mix
For 2018, Dupaco Community's most frequently originated type of loan was Conventional, with 1,397 originations. Their 2nd most popular type was HELOC, with 1,196 originations.
Loan Reason
For 2018, Dupaco Community's most frequently cited loan purpose was Refi, with 976 originations. The 2nd most popular reason was Home Purchase, with 884 originations.
Loan Duration/Length
For 2018, Dupaco Community's most frequently cited loan duration was 15 Year, with 1,405 originations. The 2nd most popular length was 30 Year, with 859 originations.
Origination Fees/Closing Costs
Dupaco Community's average total fees were $2,728, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 699 originations.
Interest Rates
During 2018, Dupaco Community's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 4-5%, with 1,496 originations.
Loan Sizing
2018 saw Dupaco Community place emphasis on $100,000 or less loans with 1,660 originations, totaling $75,060,000 in origination value.
Applicant Income
Dupaco Community lent most frequently to those with incomes in the $50k or less range, with 763 originations. The second most popular income band? $50k-75k, with 674 originations.
Applicant Debt to Income Ratio
Dupaco Community lent most frequently to those with DTI ratios of 20-30%, with 823 originations. The next most common DTI ratio? <20%, with 790 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.29%
Dupaco Community has an average approval rate.
Pick Rate
Approvals leading to origination83.17%
Dupaco Community has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 331 | $14,595,000 | $44,094 |
| NA | 2,266 | $245,230,000 | $108,222 |