DUBUQUE Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Dubuque averaged 6.56% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.39% and one month ago for the week of 2024-10-03, the average rate was 5.69%.

    Dubuque's average rate one year ago was 7.23%.

    For refis of the same type during the week of 2024-11-07, the average rate was 7.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Dubuque 30 Year Fixed Rate 2024-11-07 6.56%
    Dubuque 30 Year Fixed Rate Refi 2024-11-07 7.29%
    Dubuque 15 Year Fixed Rate 2024-11-07 6.2%
    Dubuque 15 Year Fixed Rate Refi 2024-11-07 6.1%
    Dubuque 30 Year FHA 2024-11-07 6.33%
    Dubuque 30 Year FHA Refi 2024-11-07 6.53%
    Dubuque 30 Year USDA 2024-11-07 6.38%
    Dubuque 30 Year USDA Refi 2024-11-07 6.68%
    Dubuque 30 Year VA 2024-11-07 6.54%
    Dubuque 30 Year VA Refi 2024-11-07 6.34%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    DUPACO COMMUNITY 266 6.21% $2,065
    GREENSTATE CREDIT UNION 166 6.28% $2,143
    MidWestOne Bank 50 6.57% $2,329
    Fidelity Bank & Trust 44 6.52% $1,885
    IOWA BANKERS MORTGAGE CORPORATION 40 6.46% $3,243
    Collins Community Credit Union 37 6.45% $1,958
    DuTrac Community Credit Union 35 6.37% $2,337
    U.S. Bank 21 6.70% $3,470
    Deere Employees Credit Union 20 5.95% $3,071
    QUICKEN LOANS, LLC 20 7.02% $5,415
    UNITED WHOLESALE MORTGAGE, LLC 8 7.25% $4,574
    Ohnward Bank & Trust 6 6.21% $2,044
    VERIDIAN CREDIT UNION 4 6.38% $1,951
    MOVEMENT MORTGAGE, LLC 3 6.69% $3,332
    Wells Fargo Bank 2 6.63% $2,874
    AmeriHome Mortgage Company, LLC 2 6.00% $2,089
    BROKER SOLUTIONS, INC. 2 6.87% $4,889
    Farm Credit Mid-America, ACA 2 6.81% $5,989
    JPMorgan Chase Bank 2 6.93% $5,234
    NEWREZ LLC 2 5.94% $2,313
    RUHL MORTGAGE, LLC 2 6.56% $2,335
    Farmers Bank & Trust 1 5.63% $3,384
    CROSSCOUNTRY MORTGAGE, LLC 1 6.88% $5,718
    First Interstate Bank 1 6.50% $2,351
    First Savings Bank 1 6.63% $6,283
    Coulee Bank 1 6.50% $3,234
    GUARANTEED RATE, INC. 1 7.25% $6,416
    Home State Bank 1 7.13% $3,725
    CORNERSTONE HOME LENDING, INC. 1 6.88% $5,977
    Bank of America 1 7.25% $2,493
    Midwest Heritage Bank FSB 1 6.00% $2,884
    Carrington Mortgage Services, LLC 1 6.88% $5,336
    CARDINAL FINANCIAL 1 7.25% $8,098
    NATIONWIDE MORTGAGE BANKERS, INC. 1 5.88% $4,970
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.38% $3,776
    BMO Harris Bank 1 7.13% $3,943
    PNC Bank 1 6.50% $7,021
    PREMIA MORTGAGE, LLC 1 7.00% $60
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.75% $4,251
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.13% $6,483
    Baxter Credit Union 1 7.00% $3,374
    Regions Bank 1 5.63% $4,799
    RESIDENTIAL MORTGAGE NETWORK, INC. 1 6.13% $2,049
    American Bank and Trust Company 1 6.88% $2,634
    The Huntington National Bank 1 6.25% $3,425
    Barrington Bank & Trust Company, N.A. 1 6.49% $5,975
    EMBRACE HOME LOANS, INC. 1 5.38% $3,411
    ENVOY MORTGAGE, LTD 1 6.88% $3,318
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $6,425
    USAA Federal Savings Bank 1 6.88% $2,416

    DUBUQUE Average Closing Costs & Other Stats

    DUBUQUE, IA's 50 lenders originated 2,328 loans during 2023. The total origination value was $373,080,000, with an average loan value of $160,258.

    DUBUQUE's average closing costs are $2,624.

    The top DUBUQUE lender as defined by loan originations is DUPACO COMMUNITY, with 266 loans originated. Their average total fees are $2,065, which is $78 lower than the next largest lender, GREENSTATE CREDIT UNION.

    The lowest fee DUBUQUE lenders (with over 10 loans originated) are Fidelity Bank & Trust ($1,885), Collins Community Credit Union ($1,958), DUPACO COMMUNITY ($2,065), GREENSTATE CREDIT UNION ($2,143) and MidWestOne Bank ($2,329).

    The lowest rate DUBUQUE lenders (with over 10 loans originated) are Deere Employees Credit Union (5.95%), DUPACO COMMUNITY (6.21%), GREENSTATE CREDIT UNION (6.28%), DuTrac Community Credit Union (6.37%) and Collins Community Credit Union (6.45%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    DUPACO COMMUNITY $142,930,000 $115,235,000 -19.4% 30.9%
    GREENSTATE CREDIT UNION $61,350,000 $55,400,000 -9.7% 14.8%
    Fidelity Bank & Trust $35,755,000 $36,580,000 2.3% 9.8%
    MidWestOne Bank $53,875,000 $31,360,000 -41.8% 8.4%
    DuTrac Community Credit Union $26,680,000 $12,970,000 -51.4% 3.5%
    IOWA BANKERS MORTGAGE CORPORATION $19,230,000 $10,655,000 -44.6% 2.9%
    Cedar Rapids Bank and Trust Company $10,335,000 n/a 2.8%
    Collins Community Credit Union $25,040,000 $8,715,000 -65.2% 2.3%
    Premier Bank $17,855,000 $6,280,000 -64.8% 1.7%
    QUICKEN LOANS, LLC $9,165,000 $6,175,000 -32.6% 1.7%
    Deere Employees Credit Union $13,620,000 $6,075,000 -55.4% 1.6%
    U.S. Bank $13,460,000 $5,935,000 -55.9% 1.6%
    Kerndt Brothers Savings Bank $5,610,000 n/a 1.5%
    MOVEMENT MORTGAGE, LLC $8,035,000 $4,255,000 -47.0% 1.1%
    21ST MORTGAGE CORPORATION $685,000 $3,310,000 383.2% 0.9%
    ALLIANT $2,720,000 $2,600,000 -4.4% 0.7%
    Community Savings Bank $4,135,000 $2,545,000 -38.5% 0.7%
    Mortgage Research Center, LLC $6,620,000 $2,385,000 -64.0% 0.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,150,000 $2,360,000 105.2% 0.6%
    BROKER SOLUTIONS, INC. $4,905,000 $1,920,000 -60.9% 0.5%
    VERIDIAN CREDIT UNION $1,285,000 $1,875,000 45.9% 0.5%
    NEWREZ LLC $1,025,000 $1,585,000 54.6% 0.4%
    Ohnward Bank & Trust $1,695,000 $1,210,000 -28.6% 0.3%
    RUHL MORTGAGE, LLC $720,000 $1,025,000 42.4% 0.3%
    NAVY FEDERAL CREDIT UNION $420,000 $975,000 132.1% 0.3%
    Citizens State Bank $1,320,000 $955,000 -27.7% 0.3%
    Barrington Bank & Trust Company, N.A. $235,000 $810,000 244.7% 0.2%
    EMBRACE HOME LOANS, INC. $105,000 $775,000 638.1% 0.2%
    PENNYMAC LOAN SERVICES, LLC $1,025,000 $775,000 -24.4% 0.2%
    Wells Fargo Bank $2,005,000 $750,000 -62.6% 0.2%
    PREMIA MORTGAGE, LLC $570,000 $700,000 22.8% 0.2%
    Farm Credit Mid-America, ACA $650,000 n/a 0.2%
    Regions Bank $445,000 $645,000 44.9% 0.2%
    USAA Federal Savings Bank $720,000 $620,000 -13.9% 0.2%
    NEW DAY FINANCIAL, LLC $420,000 $600,000 42.9% 0.2%
    BMO Harris Bank $585,000 n/a 0.2%
    CARDINAL FINANCIAL $1,645,000 $545,000 -66.9% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $545,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $540,000 n/a 0.1%
    GUARANTEED RATE, INC. $1,235,000 $525,000 -57.5% 0.1%
    First Savings Bank $375,000 $520,000 38.7% 0.1%
    Farmers & Merchants Savings Bank $1,735,000 $510,000 -70.6% 0.1%
    Farmers Bank & Trust $505,000 n/a 0.1%
    JPMorgan Chase Bank $480,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $1,680,000 $440,000 -73.8% 0.1%
    FREEDOM MORTGAGE CORPORATION $1,075,000 $440,000 -59.1% 0.1%
    F&M Bank $435,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $415,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $245,000 $410,000 67.3% 0.1%
    The Bank of New Glarus $405,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $275,000 $390,000 41.8% 0.1%
    PNC Bank $375,000 $385,000 2.7% 0.1%
    Servion, Inc. $850,000 $360,000 -57.6% 0.1%
    The Federal Savings Bank $195,000 $360,000 84.6% 0.1%
    RESIDENTIAL MORTGAGE NETWORK, INC. $350,000 n/a 0.1%
    American Bank and Trust Company $235,000 $345,000 46.8% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $225,000 $335,000 48.9% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $400,000 $320,000 -20.0% 0.1%
    PLANET HOME LENDING, LLC $145,000 $315,000 117.2% 0.1%
    Farmers State Bank $105,000 $305,000 190.5% 0.1%
    Bank of America $430,000 $295,000 -31.4% 0.1%
    Midwest Heritage Bank FSB $90,000 $280,000 211.1% 0.1%
    MARINE $310,000 $270,000 -12.9% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $860,000 $265,000 -69.2% 0.1%
    Luana Savings Bank $620,000 $260,000 -58.1% 0.1%
    ENVOY MORTGAGE, LTD $245,000 n/a 0.1%
    NBKC BANK $235,000 n/a 0.1%
    VERITAS FUNDING, LLC $235,000 n/a 0.1%
    Wood & Huston Bank $235,000 n/a 0.1%
    Contract Exchange Corporation $105,000 $230,000 119.0% 0.1%
    GERSHMAN INVESTMENT CORP. $225,000 n/a 0.1%
    Baxter Credit Union $430,000 $215,000 -50.0% 0.1%
    HOMESERVICES LENDING, LLC $215,000 n/a 0.1%
    Home State Bank $215,000 n/a 0.1%
    The Huntington National Bank $1,680,000 $215,000 -87.2% 0.1%
    Ally Bank $95,000 $205,000 115.8% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $205,000 n/a 0.1%
    SENB Bank $205,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $115,000 $195,000 69.6% 0.1%
    Coulee Bank $195,000 n/a 0.1%
    LOANDEPOT.COM, LLC $850,000 $195,000 -77.1% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $225,000 $195,000 -13.3% 0.1%
    ENDEAVOR CAPITAL, LLC. $185,000 n/a 0.0%
    Flagstar Bank, FSB $270,000 $185,000 -31.5% 0.0%
    GUILD MORTGAGE COMPANY $1,730,000 $185,000 -89.3% 0.0%
    CORNERSTONE HOME LENDING, INC. $165,000 n/a 0.0%
    Bank of England $175,000 $135,000 -22.9% 0.0%
    Figure Lending LLC $135,000 $135,000 0.0% 0.0%
    Coastal Community Bank $130,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $125,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $245,000 $125,000 -49.0% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $430,000 $120,000 -72.1% 0.0%
    Mound City Bank $2,180,000 $115,000 -94.7% 0.0%
    First Interstate Bank $65,000 $105,000 61.5% 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $105,000 n/a 0.0%
    PHH Mortgage Corporation $85,000 $95,000 11.8% 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 n/a 0.0%
    Carrington Mortgage Services, LLC $330,000 $85,000 -74.2% 0.0%
    FINANCE OF AMERICA REVERSE LLC $85,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $55,000 $75,000 36.4% 0.0%
    MEMBER FIRST MORTGAGE, LLC $55,000 n/a 0.0%
    Farmers State Bank $105,000 $45,000 -57.1% 0.0%
    CEDAR FALLS COMMUNITY CREDIT UNION $15,000 n/a 0.0%

    DUBUQUE's top lender by overall market share is DUPACO COMMUNITY, with 30.9% market share. In second place, with 14.8%, is GREENSTATE CREDIT UNION, having originated $55,400,000 in loans. In third place, with 9.8%, is Fidelity Bank & Trust, having originated $36,580,000 in loans. In fourth place, with 8.4%, is MidWestOne Bank, having originated $31,360,000 in loans. In fifth place, with 3.5%, is DuTrac Community Credit Union, having originated $12,970,000 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 MSA $600 $680 $900 $1,200 $1,530
    52002 Dubuque, IA MSA $700 $790 $1,040 $1,390 $1,770
    52003 Dubuque, IA MSA $650 $740 $970 $1,290 $1,650
    52004 Dubuque, IA MSA $620 $710 $930 $1,240 $1,580
    52031 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350
    52032 Dubuque, IA MSA $530 $600 $800 $1,060 $1,340
    52033 Dubuque, IA MSA $590 $670 $880 $1,170 $1,400
    52039 Dubuque, IA MSA $620 $710 $930 $1,240 $1,580
    52040 Dubuque, IA MSA $580 $660 $870 $1,160 $1,480
    52045 Dubuque, IA MSA $570 $650 $850 $1,130 $1,450
    52046 Dubuque, IA MSA $640 $730 $960 $1,280 $1,640
    52052 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350
    52053 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350
    52054 Dubuque, IA MSA $530 $610 $800 $1,070 $1,360
    52056 Dubuque, IA MSA $620 $710 $930 $1,240 $1,580
    52065 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350
    52068 Dubuque, IA MSA $610 $690 $910 $1,210 $1,540
    52073 Dubuque, IA MSA $640 $730 $960 $1,280 $1,640
    52078 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350
    52079 Dubuque, IA MSA $550 $620 $820 $1,100 $1,390
    52099 Dubuque, IA MSA $620 $710 $930 $1,240 $1,580
    52237 Dubuque, IA MSA $530 $600 $800 $1,060 $1,350

    2022 Average & Median Rent Data Statistics
    DUBUQUE, IA average 1BR rent: $664, median: $665
    DUBUQUE, IA average 2BR rent: $876, median: $875
    DUBUQUE, IA average 3BR rent: $1,166, median: $1,165

    DUBUQUE, IA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,194 $254,600,000 $213,233
    Other 530 $37,450,000 $70,660
    Refi 313 $50,145,000 $160,208
    Home Improvement 148 $10,200,000 $68,919
    Cash Out Refi 143 $20,685,000 $144,650

    Dubuque's most frequently cited loan purpose was Home Purchase, with 1,194 originations. The 2nd most popular reason was Other, with 530 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 704 $136,780,000 $194,290
    7-8% 592 $71,700,000 $121,115
    5-6% 444 $89,400,000 $201,351
    Over 8% 372 $26,920,000 $72,366
    4-5% 45 $9,155,000 $203,444
    2.5-3% 23 $2,585,000 $112,391
    <2.5% 8 $60,000 $7,500
    3-4% 2 $820,000 $410,000

    During 2023, Dubuque's most frequently originated rate bucket was 6-7%, with 704 originations.

    Loan Sizing (DUBUQUE, IA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 1,024 $51,910,000 $50,693
    $100k-200k 736 $107,880,000 $146,576
    $200k-400k 459 $123,905,000 $269,946
    $400k-600k 76 $35,900,000 $472,368
    $600k-1000k 21 $14,655,000 $697,857
    $Over $1MM 12 $38,830,000 $3,235,833

    DUBUQUE's loan sizing saw the bucket of loans from $100,000 or less with 1,024 originations, totaling $51,910,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 659 $138,955,000 $210,857
    Under 20% 509 $32,375,000 $63,605
    60-80% 425 $90,775,000 $213,588
    20-40% 390 $33,940,000 $87,026
    40-60% 180 $28,140,000 $156,333
    Over 100% 13 $12,095,000 $930,385

    DUBUQUE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 659 originations, totaling $138,955,000 in origination value.