# DUPACO COMMUNITY

> **Canonical URL:** https://saferate.com/lenders/dupaco-community


> **📋 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


DUPACO COMMUNITY is a credit union, headquartered in Dubuque, IA, serving borrowers across 17 states, with 914 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UXTDELQS5SLF91
- **Headquarters:** Dubuque, IA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AR, AZ, FL, GA, IA, IL, IN, ME, MN, MO, MS, NC, PA, SC, TN, WI, WY
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.260%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,564
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 914
- **Dollar Volume:** $195 million
- **Applications Received:** 1,193
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $213,173
- **Average Borrower Income:** $91,468
- **Average Property Value:** $286,411

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (90%)
- 💎 **Purchase Diamond Champion** (84%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 910 | -0.260% | $1,564 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 742 loans, Score: 80/100 (Exceptional)
- Refinance: 168 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 746 | $167M | -0.263% | Strong 😀 |
| Refinance | 76/100 | 168 | $28M | -0.249% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 653 | 1.85% | 84/100 |
| WI | 167 | 0.25% | 71/100 |
| IL | 67 | 0.05% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dubuque, IA | IA | 360 | 100/100 |
| Non |  | 314 | 69/100 |
| Cedar Rapids, IA | IA | 77 | 69/100 |
| Waterloo | IA | 39 | 60/100 |
| Des Moines | IA | 33 | 56/100 |
| Madison, WI | WI | 25 | 52/100 |

## Where This Lender Ranks

DUPACO COMMUNITY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Dubuque, IA
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders)
- 🥇 **#1** in Dubuque, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Dubuque, IA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dubuque-ia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Iowa Credit Unions
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Iowa for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Cedar Rapids, IA Credit Unions
  - [View Full Rankings](https://saferate.com/cedar-rapids-ia/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Cedar Rapids, IA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cedar-rapids-ia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Waterloo Credit Unions
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Waterloo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Madison, WI Credit Unions
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Madison, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Waterloo
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders)
- 🏆 **#4** in Waterloo for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Des Moines for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Iowa
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders)
- 🏆 **#5** in Iowa for Conventional Loans
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Cedar Rapids, IA for Conventional Loans
  - [View Full Rankings](https://saferate.com/cedar-rapids-ia/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Des Moines Credit Unions
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does DUPACO COMMUNITY offer?

DUPACO COMMUNITY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DUPACO COMMUNITY offer mortgages?

DUPACO COMMUNITY offers mortgages in 17 states: AR, AZ, FL, GA, IA, IL, IN, ME, MN, MO, MS, NC, PA, SC, TN, WI, WY.

### How competitive are DUPACO COMMUNITY's mortgage rates?

DUPACO COMMUNITY has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.260% below market average.

### What type of lender is DUPACO COMMUNITY?

DUPACO COMMUNITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Dubuque, IA.

### What is DUPACO COMMUNITY's loan approval success rate?

DUPACO COMMUNITY has a pull-through score of 84/100 (Exceptional). 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/dupaco-community

### How to Cite

> "DUPACO COMMUNITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dupaco-community

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