Dubuque Bank And Trust Company Mortgage Rates, Fees & Info
Dubuque, IALEI: O4XVIZ10YPQYFKUKCF76
Tax ID: 42-0223620
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Mortgage Data
Review & Overview
Dubuque Bank And Trust Company is a smaller bank specializing in Refi and Home Purchase loans. Dubuque Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Dubuque, Davenport, Cedar Rapids, Edwards, and Steamboat Springs among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Dubuque Bank And Trust Company 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. Dubuque Bank And Trust Company is typically an average 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) | 6.27% | 11/22/24 |
| 30 Year Conventional Purchase | 5.69% | 11/22/24 |
| 15 Year Conventional Purchase | 4.90% | 11/22/24 |
| 15 Year Conventional Refi | 5.68% | 11/22/24 |
| 15 Year Cash-out Refi | 5.68% | 11/22/24 |
| 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. | ||
Dubuque Bank And Trust Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
104Origination Dollar Volume (All Markets)
$41,150,000Top 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 |
|---|---|---|---|---|---|
| DUBUQUE, IA (FHA|USDA|VA) | 60 | $13,950,000 | $232,500 | $798 | 4.30% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $10,425,000 | $3,475,000 | $0 | 3.97% |
| Outside of Metro Areas | 15 | $7,155,000 | $477,000 | $1,984 | 3.99% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 10 | $2,000,000 | $200,000 | $1,272 | 4.21% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $5,468 | 4.25% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $6,754 | 3.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $7,771 | 4.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,813 | 3.00% |
| Freeport, IL (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $0 | 2.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,875 | 2.25% |
| Platteville, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $760 | 3.82% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 6.14% |
| Pella, IA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $324 | 2.90% |
Similar Lenders
We use machine learning to identify the top lenders compared against Dubuque Bank and Trust Company 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 104 | $41,150,000 | $395,673 | $1,418 | 4.19% |
For 2022, Dubuque Bank And Trust Company's most frequently originated type of loan was Conventional, with 104 originations.
Loan Reason
For 2022, Dubuque Bank And Trust Company's most frequently cited loan purpose was Refi, with 43 originations. The 2nd most popular reason was Home Purchase, with 29 originations.
Loan Duration/Length
For 2022, Dubuque Bank And Trust Company's most frequently cited loan duration was 15 Year, with 50 originations. The 2nd most popular length was 5 Year, with 19 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 56 | $7,890,000 | $140,893 |
| $1k-2k | 10 | $8,690,000 | $869,000 |
| $2k-3k | 5 | $4,795,000 | $959,000 |
| $3k-4k | 1 | $705,000 | $705,000 |
Dubuque Bank And Trust Company's average total fees were $5,779, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 56 originations.
Interest Rates
During 2022, Dubuque Bank And Trust Company's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 4-5%, with 28 originations.
Loan Sizing
2022 saw Dubuque Bank And Trust Company place emphasis on $100,000 or less loans with 48 originations, totaling $2,570,000 in origination value.
Applicant Income
Dubuque Bank And Trust Company lent most frequently to those with incomes in the $250k+ range, with 18 originations. The second most popular income band? $100k-150k, with 14 originations.
Applicant Debt to Income Ratio
Dubuque Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 18 originations. The next most common DTI ratio? <20%, with 16 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.29%
Dubuque Bank And Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination78.85%
Dubuque Bank And Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 104 | $41,150,000 | $395,673 |