# Du Trac Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/du-trac-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Du Trac Community Credit Union is a credit union, headquartered in Dubuque, IA, serving borrowers across 3 states, with 158 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900LIEBWBUKVDWP33
- **Headquarters:** Dubuque, IA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IA, IL, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.160%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,037
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 158
- **Dollar Volume:** $35 million
- **Applications Received:** 202
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,152
- **Average Borrower Income:** $114,481
- **Average Property Value:** $291,456

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 158 | -0.160% | $1,037 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 127 loans, Score: 54/100 (Sound)
- Refinance: 31 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 127 | $30M | -0.146% | Sound ☺️ |
| Refinance | 48/100 | 31 | $5M | -0.221% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 132 | 0.37% | 71/100 |
| IL | 21 | 0.02% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 80 | 76/100 |
| Dubuque, IA | IA | 35 | 66/100 |
| Non |  | 32 | 41/100 |

## Where This Lender Ranks

Du Trac Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Davenport Credit Unions
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Dubuque, IA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Davenport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🏆 **#5** in Dubuque, IA
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders)
- 🏆 **#7** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Dubuque, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Du Trac Community Credit Union offer?

Du Trac Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Du Trac Community Credit Union offer mortgages?

Du Trac Community Credit Union offers mortgages in 3 states: IA, IL, WI.

### How competitive are Du Trac Community Credit Union's mortgage rates?

Du Trac Community Credit Union has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.160% below market average.

### What type of lender is Du Trac Community Credit Union?

Du Trac Community Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dubuque, IA.

### What is Du Trac Community Credit Union's loan approval success rate?

Du Trac Community Credit Union has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/du-trac-community-credit-union

### How to Cite

> "Du Trac Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/du-trac-community-credit-union

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