Safe Rate Rankings

Best Conventional Mortgage Lenders in Dubuque

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders14

Total Loans961

Median Rate Spread-0.01%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DUPACO COMMUNITYCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,436Fees	0.296%Below	360
2	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$597Fees	0.267%Below	184
3	Fidelity Bank & TrustBank	Exceptional	Exceptional	Strong	Exceptional	Strong	$794Fees	0.622%Below	57
4	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$1,469Fees	0.285%Below	29
5	RUHL MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Sound	$722Fees	0.023%Above	11
6	MidWestOne BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$927Fees	0.133%Below	115
7	Du Trac Community Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$978Fees	0.246%Below	35
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,240Fees	0.216%Above	34
9	Empeople Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$610Fees	0.077%Below	17
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,547Fees	0.298%Above	40
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,628Fees	0.401%Above	16
12	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,150Fees	0.336%Above	37

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.