Dupage Credit Union Mortgage Rates, Fees & Info

Naperville, IL

LEI: 549300WUGYTMN4HIT493

Tax ID: 36-2499724

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Dupage Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Dupage Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Ottawa, Rockford, and St. Louis among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Dupage Credit Union 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. Dupage Credit Union 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.

    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) 6.01% 4/21/24
    30 Year Conventional Purchase 6.78% 4/21/24
    30 Year Conventional Refi 6.65% 4/21/24
    30 Year Cash-out Refi 6.84% 4/21/24
    15 Year Conventional Purchase 6.32% 4/21/24
    15 Year Conventional Refi 6.09% 4/21/24
    15 Year Cash-out Refi 6.09% 4/21/24
    15 Year FHA Purchase 5.68% 4/21/24
    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.

    Dupage Credit Union Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Dupage 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

    486

    Origination Dollar Volume (All Markets)

    $65,960,000

    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
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 482 $65,730,000 $136,369 $2,404 4.78%
    Ottawa, IL (FHA|USDA|VA) 2 $110,000 $55,000 $1,857 4.88%
    ROCKFORD, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,433 4.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $35,000 $35,000 $675 5.50%
    Dupage Credit Union's top markets include Chicago, Ottawa, Rockford, and St. Louis among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

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

    UNITED
    Similarity Rank: 28
    Liberty Bank for Savings
    Similarity Rank: 104
    PACIFIC GLOBAL BANK
    Similarity Rank: 408
    The Equitable Bank, S.S.B.
    Similarity Rank: 533
    TECH Credit Union
    Similarity Rank: 759
    DuPage Credit Union
    Similarity Rank: 852
    First Financial Credit Union
    Similarity Rank: 870
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 921
    Community State Bank
    Similarity Rank: 1032
    Landmark Credit Union
    Similarity Rank: 1056

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 486 $65,960,000 $135,720 $2,400 4.78%

    For 2018, Dupage Credit Union's most frequently originated type of loan was Conventional, with 486 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 159 $34,425,000 $216,509 $4,870 4.52%
    Refi 99 $14,975,000 $151,263 $1,937 4.49%
    Home Improvement 84 $4,070,000 $48,452 $466 5.31%
    Other 81 $3,285,000 $40,556 $458 5.30%
    Cash Out Refi 63 $9,205,000 $146,111 $1,971 4.47%

    For 2018, Dupage Credit Union's most frequently cited loan purpose was Home Purchase, with 159 originations. The 2nd most popular reason was Refi, with 99 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 178 $38,520,000 $216,404 $4,380 4.59%
    20 Year 165 $12,265,000 $74,333 $781 4.95%
    15 Year 51 $9,005,000 $176,569 $3,238 3.91%
    10 Year 39 $2,365,000 $60,641 $831 5.89%
    5 Year 27 $1,055,000 $39,074 $446 4.85%
    Other 26 $2,750,000 $105,769 $1,863 4.89%

    For 2018, Dupage Credit Union's most frequently cited loan duration was 30 Year, with 178 originations. The 2nd most popular length was 20 Year, with 165 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 259 $53,315,000 $205,849
    $<1k 218 $10,540,000 $48,349
    $2k-3k 5 $955,000 $191,000
    $3k-4k 2 $630,000 $315,000
    $4k-5k 2 $520,000 $260,000

    Dupage Credit Union's average total fees were $4,380, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 259 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 303 $46,555,000 $153,647
    5-6% 86 $6,540,000 $76,047
    3-4% 64 $11,320,000 $176,875
    6-7% 31 $1,475,000 $47,581
    7-8% 2 $70,000 $35,000

    During 2018, Dupage Credit Union's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 303 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 225 $10,015,000 $44,511 $719 5.13%
    $100k-200k 136 $20,540,000 $151,029 $3,551 4.47%
    $200k-400k 113 $30,035,000 $265,796 $4,018 4.47%
    $400k-600k 11 $4,745,000 $431,364 $5,934 4.45%
    $600k-1MM 1 $625,000 $625,000 $2,543 4.75%

    2018 saw Dupage Credit Union place emphasis on $100,000 or less loans with 225 originations, totaling $10,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 151 $18,945,000 $125,464 $2,112 4.93%
    $75k-100k 119 $14,285,000 $120,042 $2,349 4.78%
    $150k-250k 96 $16,540,000 $172,292 $2,352 4.70%
    $50k-75k 72 $8,590,000 $119,306 $2,925 4.64%
    $250k+ 25 $5,325,000 $213,000 $2,407 4.76%
    $50k or less 22 $2,210,000 $100,455 $3,128 4.57%

    Dupage Credit Union lent most frequently to those with incomes in the $100k-150k range, with 151 originations. The second most popular income band? $75k-100k, with 119 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 127 $19,035,000 $149,882 $2,794 4.48%
    30-36% 89 $11,875,000 $133,427 $2,170 4.73%
    <20% 35 $4,315,000 $123,286 $2,728 4.59%
    41% 27 $3,395,000 $125,741 $1,247 5.02%
    37% 26 $3,910,000 $150,385 $2,800 4.83%
    39% 23 $2,445,000 $106,304 $2,049 5.04%
    42% 22 $2,100,000 $95,455 $1,415 5.24%
    36% 21 $2,935,000 $139,762 $1,955 4.85%
    43% 19 $2,565,000 $135,000 $2,335 5.23%
    44% 19 $2,235,000 $117,632 $2,553 5.01%
    38% 14 $2,710,000 $193,571 $3,723 4.81%
    40% 13 $1,905,000 $146,538 $2,101 4.73%
    47% 12 $1,570,000 $130,833 $2,392 4.97%
    48% 11 $1,965,000 $178,636 $2,732 4.76%
    49% 9 $1,145,000 $127,222 $3,089 4.70%
    50-60% 7 $345,000 $49,286 $743 5.77%
    46% 6 $630,000 $105,000 $2,242 5.08%
    45% 6 $880,000 $146,667 $3,282 4.65%

    Dupage Credit Union lent most frequently to those with DTI ratios of 20-30%, with 127 originations. The next most common DTI ratio? 30-36%, with 89 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 355 $47,945,000 $135,056 $2,465 4.76%
    Not provided 91 $11,545,000 $126,868 $2,039 4.90%
    Asian 23 $4,085,000 $177,609 $2,597 4.70%
    Black 12 $1,900,000 $158,333 $3,182 4.63%
    American Indian 3 $315,000 $105,000 $1,696 4.42%
    Filipino 1 $145,000 $145,000 $2,518 4.63%
    Native Hawaiian or Islander 1 $25,000 $25,000 $450 5.99%

    Approval Rates

    Total approvals of all applications
    86.29%

    Dupage Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.16%

    Dupage Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 486 $65,960,000 $135,720

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 486 $65,960,000 $135,720

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $5,360,000 $86,452 $1,124 4.85%
    40-60% 31 $4,805,000 $155,000 $3,069 4.04%
    60-80% 86 $17,400,000 $202,326 $3,486 4.47%
    80-100% 131 $30,915,000 $235,992 $4,693 4.51%
    Over 100% 1 $175,000 $175,000 $2,171 4.13%
    Under 20% 170 $6,960,000 $40,941 $486 5.24%