DUBUQUE Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Dubuque averaged 6.61% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.65% and one month ago for the week of 2023-08-10, the average rate was 6.49%.

Dubuque's average rate one year ago was 5.42%.

For refis of the same type during the week of 2023-09-14, the average rate was 6.26%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Dubuque 30 Year Fixed Rate 2023-09-14 6.61%
Dubuque 30 Year Fixed Rate Refi 2023-09-14 6.26%
Dubuque 15 Year Fixed Rate 2023-09-14 6%
Dubuque 15 Year Fixed Rate Refi 2023-09-14 5.4%
Dubuque 30 Year FHA 2023-09-14 7.19%
Dubuque 30 Year FHA Refi 2023-09-14 6.89%
Dubuque 30 Year USDA 2023-09-14 7.08%
Dubuque 30 Year USDA Refi 2023-09-14 7.18%
Dubuque 30 Year VA 2023-09-14 6.62%
Dubuque 30 Year VA Refi 2023-09-14 7.01%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within DUBUQUE, IA.

DUBUQUE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the DUBUQUE, IA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
DUPACO COMMUNITY 393 4.52% $2,567
GREENSTATE CREDIT UNION 190 4.53% $1,862
Collins Community Credit Union 102 4.55% $1,656
MidWestOne Bank 101 4.53% $2,060
IOWA BANKERS MORTGAGE CORPORATION 68 4.49% $2,634
Fidelity Bank & Trust 53 5.19% $2,002
DuTrac Community Credit Union 45 4.59% $2,099
U.S. Bank 40 5.09% $2,876
Deere Employees Credit Union 32 3.42% $2,619
QUICKEN LOANS, LLC 18 5.16% $5,583
MOVEMENT MORTGAGE, LLC 15 5.30% $3,377
BROKER SOLUTIONS, INC. 14 4.80% $4,556
Wells Fargo Bank 6 5.42% $5,205
Community Savings Bank 5 5.20% $2,561
THOMPSON KANE & COMPANY, LLC 4 5.06% $3,600
The Huntington National Bank 4 3.93% $4,319
NEWREZ LLC 4 4.47% $4,389
VERIDIAN CREDIT UNION 4 3.69% $1,654
GUILD MORTGAGE COMPANY 3 5.38% $2,317
CARDINAL FINANCIAL 3 6.71% $4,793
Farmers & Merchants Savings Bank 3 5.25% $3,251
UNITED WHOLESALE MORTGAGE, LLC 3 6.17% $9,731
FINANCE OF AMERICA MORTGAGE LLC 2 7.00% $8,895
PREMIA MORTGAGE, LLC 2 5.75% $2,589
Old National Bank 2 4.88% $5,590
Ohnward Bank & Trust 2 4.75% $1,774
GUARANTEED RATE, INC. 2 5.19% $3,427
HOMESIDE FINANCIAL, LLC 2 4.00% $3,670
Mound City Bank 2 5.13% $2,498
Dubuque Bank and Trust Company 2 5.00% $3,817
COMPASS MORTGAGE, INC. 2 6.38% $2,504
RUHL MORTGAGE, LLC 2 5.75% $2,634
Truist 1 5.50% $3,076
AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.38% $2,668
Wyndham Capital Mortgage, Inc. 1 5.13% $5,021
AmeriHome Mortgage Company, LLC 1 5.63% $2,064
AMERISAVE MORTGAGE CORPORATION 1 3.75% $6,884
ASCENTRA 1 3.50% $2,770
ATHAS CAPITAL GROUP, INC. 1 7.38% $6,343
BankIowa of Cedar Rapids 1 4.25% $1,516
Bank of America 1 5.00% $4,512
Barrington Bank & Trust Company, N.A. 1 3.49% $1,916
Baxter Credit Union 1 5.00% $2,069
BETTER MORTGAGE CORPORATION 1 6.13% $1,947
BNC National Bank 1 4.50% $3,031
CANOPY MORTGAGE, LLC 1 4.25% $4,483
Carrington Mortgage Services, LLC 1 4.75% $5,539
City National Bank 1 5.65% $3,603
Community Mortgage Banc Corporation 1 5.65% $4,684
DAS Acquisition Company, LLC 1 5.63% $3,946
EVERETT FINANCIAL, INC. 1 3.25% $2,069
FREEDOM MORTGAGE CORPORATION 1 3.75% $4,957
Gold Coast Bank 1 3.99% $2,876
Ixonia Bank 1 4.75% $3,207
LAKEVIEW LOAN SERVICING, LLC 1 3.88% $2,841
Lincoln FSB of Nebraska 1 7.00% $2,654
Lincoln Savings Bank 1 3.98% $3,368
LINN AREA 1 5.63% $2,085
Mortgage Research Center, LLC 1 5.88% $2,655
NAVY FEDERAL CREDIT UNION 1 7.00% $2,120
OAKTREE FUNDING CORP. 1 9.50% $15,684
PENNYMAC LOAN SERVICES, LLC 1 7.13% $6,281
Regions Bank 1 4.25% $3,077
Royal Bank 1 5.50% $2,188
Servion, Inc. 1 5.75% $2,200
The First National Bank in Sioux Falls 1 3.75% $7,031

DUBUQUE Average Closing Costs & Other Stats

DUBUQUE, IA's 66 lenders originated 3,101 loans during 2022. The total origination value was $519,955,000, with an average loan value of $167,673.

DUBUQUE's average closing costs are $2,560.

The top DUBUQUE lender as defined by loan originations is DUPACO COMMUNITY, with 393 loans originated. Their average total fees are $2,567, which is $704 higher than the next largest lender, GREENSTATE CREDIT UNION.

The lowest fee DUBUQUE lenders (with over 10 loans originated) are Collins Community Credit Union ($1,656), GREENSTATE CREDIT UNION ($1,862), Fidelity Bank & Trust ($2,002), MidWestOne Bank ($2,060) and DuTrac Community Credit Union ($2,099).

The lowest rate DUBUQUE lenders (with over 10 loans originated) are Deere Employees Credit Union (3.42%), IOWA BANKERS MORTGAGE CORPORATION (4.49%), DUPACO COMMUNITY (4.52%), GREENSTATE CREDIT UNION (4.53%) and MidWestOne Bank (4.53%).

DUBUQUE, IA Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
DUPACO COMMUNITY $242,595,000 $142,930,000 -41.1% 27.5%
GREENSTATE CREDIT UNION $57,835,000 $61,350,000 6.1% 11.8%
MidWestOne Bank $192,260,000 $53,875,000 -72.0% 10.4%
Fidelity Bank & Trust $98,635,000 $35,755,000 -63.8% 6.9%
DuTrac Community Credit Union $27,640,000 $26,680,000 -3.5% 5.1%
Collins Community Credit Union $36,430,000 $25,040,000 -31.3% 4.8%
IOWA BANKERS MORTGAGE CORPORATION $40,335,000 $19,230,000 -52.3% 3.7%
Premier Bank $25,145,000 $17,855,000 -29.0% 3.4%
Dubuque Bank and Trust Company $25,445,000 $13,950,000 -45.2% 2.7%
Deere Employees Credit Union $10,290,000 $13,620,000 32.4% 2.6%
U.S. Bank $22,395,000 $13,460,000 -39.9% 2.6%
QUICKEN LOANS, LLC $23,950,000 $9,165,000 -61.7% 1.8%
MOVEMENT MORTGAGE, LLC $9,085,000 $8,035,000 -11.6% 1.5%
Farmers State Bank $335,000 $6,750,000 1,914.9% 1.3%
Mortgage Research Center, LLC $3,235,000 $6,620,000 104.6% 1.3%
BROKER SOLUTIONS, INC. $4,920,000 $4,905,000 -0.3% 0.9%
Community Savings Bank $19,090,000 $4,135,000 -78.3% 0.8%
ALLIANT $3,825,000 $2,720,000 -28.9% 0.5%
Mound City Bank $8,320,000 $2,180,000 -73.8% 0.4%
Wells Fargo Bank $7,640,000 $2,005,000 -73.8% 0.4%
Farmers & Merchants Savings Bank $1,705,000 $1,735,000 1.8% 0.3%
GUILD MORTGAGE COMPANY $6,845,000 $1,730,000 -74.7% 0.3%
Ohnward Bank & Trust $3,490,000 $1,695,000 -51.4% 0.3%
AMERISAVE MORTGAGE CORPORATION $1,745,000 $1,680,000 -3.7% 0.3%
The Huntington National Bank $225,000 $1,680,000 646.7% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,205,000 $1,645,000 -25.4% 0.3%
Citizens State Bank $4,155,000 $1,320,000 -68.2% 0.3%
VERIDIAN CREDIT UNION $2,205,000 $1,285,000 -41.7% 0.2%
GUARANTEED RATE, INC. $2,710,000 $1,235,000 -54.4% 0.2%
THOMPSON KANE & COMPANY, LLC $1,220,000 n/a 0.2%
UNITED WHOLESALE MORTGAGE, LLC $1,150,000 n/a 0.2%
Security Financial Bank $1,105,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $5,095,000 $1,075,000 -78.9% 0.2%
NEWREZ LLC $2,225,000 $1,025,000 -53.9% 0.2%
PENNYMAC LOAN SERVICES, LLC $2,330,000 $1,025,000 -56.0% 0.2%
Old National Bank $885,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $1,920,000 $860,000 -55.2% 0.2%
LOANDEPOT.COM, LLC $2,885,000 $850,000 -70.5% 0.2%
Servion, Inc. $3,105,000 $850,000 -72.6% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $195,000 $730,000 274.4% 0.1%
RUHL MORTGAGE, LLC $6,565,000 $720,000 -89.0% 0.1%
USAA Federal Savings Bank $2,205,000 $720,000 -67.3% 0.1%
21ST MORTGAGE CORPORATION $695,000 $685,000 -1.4% 0.1%
HOMESIDE FINANCIAL, LLC $95,000 $685,000 621.1% 0.1%
City State Bank $645,000 n/a 0.1%
Citizens Bank $625,000 n/a 0.1%
Luana Savings Bank $790,000 $620,000 -21.5% 0.1%
EVERETT FINANCIAL, INC. $590,000 n/a 0.1%
Wisconsin Bank & Trust $295,000 $575,000 94.9% 0.1%
PREMIA MORTGAGE, LLC $570,000 n/a 0.1%
ALLIANT CREDIT UNION $555,000 n/a 0.1%
COMPASS MORTGAGE, INC. $260,000 $510,000 96.2% 0.1%
Citywide Banks $505,000 n/a 0.1%
Regions Bank $445,000 n/a 0.1%
The First National Bank in Sioux Falls $155,000 $445,000 187.1% 0.1%
Bank of America $45,000 $430,000 855.6% 0.1%
Baxter Credit Union $430,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $635,000 $430,000 -32.3% 0.1%
Truist $255,000 $430,000 68.6% 0.1%
OAKTREE FUNDING CORP. $425,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $2,115,000 $420,000 -80.1% 0.1%
NEW DAY FINANCIAL, LLC $2,305,000 $420,000 -81.8% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,350,000 $400,000 -70.4% 0.1%
First Savings Bank $375,000 n/a 0.1%
PNC Bank $2,030,000 $375,000 -81.5% 0.1%
DAS Acquisition Company, LLC $335,000 $365,000 9.0% 0.1%
Ixonia Bank $485,000 $340,000 -29.9% 0.1%
North American Savings Bank, F.S.B. $335,000 n/a 0.1%
Carrington Mortgage Services, LLC $170,000 $330,000 94.1% 0.1%
City National Bank $325,000 n/a 0.1%
Hills Bank and Trust Company $590,000 $325,000 -44.9% 0.1%
MARINE $495,000 $310,000 -37.4% 0.1%
VILLAGE CAPITAL MORTGAGE $440,000 $280,000 -36.4% 0.1%
Northpointe Bank $375,000 $275,000 -26.7% 0.1%
TOWNE MORTGAGE COMPANY $275,000 n/a 0.1%
Flagstar Bank, FSB $1,065,000 $270,000 -74.6% 0.1%
Community Mortgage Banc Corporation $265,000 n/a 0.1%
Magnolia Bank $265,000 n/a 0.1%
Merchants Bank $265,000 n/a 0.1%
LINN AREA $510,000 $255,000 -50.0% 0.0%
AmeriHome Mortgage Company, LLC $155,000 $245,000 58.1% 0.0%
ATHAS CAPITAL GROUP, INC. $245,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $255,000 $245,000 -3.9% 0.0%
ZILLOW HOME LOANS, LLC $245,000 n/a 0.0%
American Bank and Trust Company $150,000 $235,000 56.7% 0.0%
Barrington Bank & Trust Company, N.A. $680,000 $235,000 -65.4% 0.0%
BETTER MORTGAGE CORPORATION $1,060,000 $225,000 -78.8% 0.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $340,000 $225,000 -33.8% 0.0%
Lincoln FSB of Nebraska $225,000 n/a 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $760,000 $225,000 -70.4% 0.0%
Royal Bank $275,000 $220,000 -20.0% 0.0%
Blackhawk Bank & Trust $215,000 n/a 0.0%
Gold Coast Bank $215,000 n/a 0.0%
Badger Bank $195,000 n/a 0.0%
The Federal Savings Bank $750,000 $195,000 -74.0% 0.0%
CALIBER HOME LOANS, INC. $2,345,000 $185,000 -92.1% 0.0%
Bank of England $175,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $175,000 n/a 0.0%
Lincoln Savings Bank $155,000 $170,000 9.7% 0.0%
ASCENTRA $165,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $165,000 n/a 0.0%
Five Points Bank $155,000 n/a 0.0%
INLANTA MORTGAGE, INC. $245,000 $155,000 -36.7% 0.0%
Commerce Home Mortgage, Inc. $145,000 n/a 0.0%
PLANET HOME LENDING, LLC $145,000 n/a 0.0%
RESIDENTIAL BANCORP. $225,000 $145,000 -35.6% 0.0%
BankIowa of Cedar Rapids $115,000 $135,000 17.4% 0.0%
Figure Lending LLC $110,000 $135,000 22.7% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $115,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $105,000 $115,000 9.5% 0.0%
M&T Bank $115,000 n/a 0.0%
Quad City Bank and Trust Company $155,000 $115,000 -25.8% 0.0%
CANOPY MORTGAGE, LLC $105,000 n/a 0.0%
Contract Exchange Corporation $235,000 $105,000 -55.3% 0.0%
EMBRACE HOME LOANS, INC. $105,000 n/a 0.0%
Farmers State Bank $335,000 $105,000 -68.7% 0.0%
United Bank of Iowa $105,000 n/a 0.0%
Ally Bank $135,000 $95,000 -29.6% 0.0%
LIMA ONE CAPITAL, LLC $95,000 n/a 0.0%
Midwest Heritage Bank FSB $410,000 $90,000 -78.0% 0.0%
PHH Mortgage Corporation $85,000 n/a 0.0%
BNC National Bank $75,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $75,000 n/a 0.0%
First Interstate Bank $65,000 n/a 0.0%
NUMARK CREDIT UNION $25,000 $65,000 160.0% 0.0%
Bethpage Federal Credit Union $55,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $390,000 $55,000 -85.9% 0.0%
ROYAL UNITED MORTGAGE LLC $170,000 $55,000 -67.6% 0.0%
Vibrant Credit Union $405,000 $55,000 -86.4% 0.0%
Centier Bank $130,000 $45,000 -65.4% 0.0%
MidAmerica National Bank $35,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $35,000 n/a 0.0%

DUBUQUE's top lender by overall market share is DUPACO COMMUNITY, with 27.5% market share. In second place, with 11.8%, is GREENSTATE CREDIT UNION, having originated $61,350,000 in loans. In third place, with 10.4%, is MidWestOne Bank, having originated $53,875,000 in loans. In fourth place, with 6.9%, is Fidelity Bank & Trust, having originated $35,755,000 in loans. In fifth place, with 5.1%, is DuTrac Community Credit Union, having originated $26,680,000 in loans.

DUBUQUE, IA Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
52001 Dubuque, IA $540 $620 $820 $1,090 $1,400
52002 Dubuque, IA $630 $720 $950 $1,270 $1,630
52003 Dubuque, IA $600 $680 $900 $1,200 $1,540
52004 Dubuque, IA $550 $630 $830 $1,110 $1,420
52031 Dubuque, IA $490 $560 $740 $990 $1,270
52032 Dubuque, IA $520 $590 $780 $1,040 $1,260
52033 Dubuque, IA $520 $590 $780 $1,040 $1,240
52039 Dubuque, IA $570 $650 $850 $1,140 $1,460
52040 Dubuque, IA $500 $570 $750 $1,000 $1,280
52045 Dubuque, IA $520 $590 $780 $1,040 $1,340
52046 Dubuque, IA $570 $650 $860 $1,150 $1,470
52052 Dubuque, IA $490 $560 $740 $990 $1,260
52053 Dubuque, IA $490 $560 $740 $990 $1,260
52054 Dubuque, IA $490 $560 $740 $990 $1,260
52056 Dubuque, IA $550 $630 $830 $1,110 $1,420
52065 Dubuque, IA $490 $560 $740 $990 $1,260
52068 Dubuque, IA $520 $600 $790 $1,050 $1,350
52073 Dubuque, IA $590 $680 $890 $1,190 $1,520
52078 Dubuque, IA $490 $560 $740 $990 $1,260
52079 Dubuque, IA $520 $600 $790 $1,050 $1,340
52099 Dubuque, IA $550 $630 $830 $1,110 $1,420
52237 Dubuque, IA $490 $560 $740 $990 $1,260

2022 Average & Median Rent Data Statistics
DUBUQUE, IA average 1BR rent: $607, median: $595
DUBUQUE, IA average 2BR rent: $800, median: $785
DUBUQUE, IA average 3BR rent: $1,069, median: $1,045

DUBUQUE, IA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,589 $338,865,000 $213,257
Refi 545 $81,495,000 $149,532
Other 500 $32,230,000 $64,460
Cash Out Refi 330 $58,190,000 $176,333
Home Improvement 137 $9,175,000 $66,971

Dubuque's most frequently cited loan purpose was Home Purchase, with 1,589 originations. The 2nd most popular reason was Refi, with 545 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 820 $136,450,000 $166,402
3-4% 788 $145,750,000 $184,962
5-6% 541 $88,115,000 $162,874
6-7% 249 $35,025,000 $140,663
<2.5% 229 $32,795,000 $143,210
2.5-3% 223 $39,045,000 $175,090
7-8% 95 $9,495,000 $99,947
Over 8% 52 $3,530,000 $67,885

During 2022, Dubuque's most frequently originated rate bucket was 4-5%, with 820 originations.

Loan Sizing (DUBUQUE, IA MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,172 $59,740,000 $50,973
$100k-200k 1,077 $157,275,000 $146,031
$200k-400k 672 $182,040,000 $270,893
$400k-600k 134 $63,500,000 $473,881
$600k-1000k 35 $24,045,000 $687,000
$Over $1MM 11 $33,355,000 $3,032,273

DUBUQUE's loan sizing saw the bucket of loans from $100,000 or less with 1,172 originations, totaling $59,740,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 909 $210,375,000 $231,436
60-80% 708 $147,230,000 $207,952
Under 20% 578 $32,460,000 $56,159
20-40% 443 $41,055,000 $92,675
40-60% 321 $50,205,000 $156,402
Over 100% 20 $6,490,000 $324,500

DUBUQUE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 909 originations, totaling $210,375,000 in origination value.