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Dupaco Community

Credit UnionDubuque, IAHQDirectReviews near you on Google

We analyzed every closed loan from Dupaco Community 914 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
Conventional
Place
Strong
4/5
Multi-Region · 5 mkts
Safe Rate Awards
Conventional Champion
Conventional
Champion
Purchase Champion
Purchase
Champion
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 26.00 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Dupaco Community performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 26.0 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Exceptional
Volume910
Mix99.6%
Spread
-0.260%Below
Fees
$1,564Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume746
Mix81.6%
Spread
-0.263%Below
Fees
$1,477Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume168
Mix18.4%
Spread
-0.249%Below
Fees
$1,949Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
914
Applications
1,193
Volume
$194 million
Pricing & Closing
Avg Rate Spread
-0.260%
vs. market APOR
Avg Net Fees
$1,564
Origination − Credits
Pullthrough Rate
76.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$213,173
Avg Borrower Income
$91,468
Avg Property Value
$286,411

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

17
17 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
MEPA
Midwest6
IAILINMNMOWI
South7
ARFLGAMSNCSCTN
West2
AZWY

Top Metro Areas by Place Specialization Score

1© Dirk · CC BY 2.0
Dubuque, IAMetro
Volume 360Mix 39.39% of portfolio
100/100
Exceptional
2© ABreiholz · CC BY-SA 3.0
Cedar Rapids, IAMetro
Volume 77Mix 8.42% of portfolio
69/100
Strong
Volume 39Mix 4.27% of portfolio
60/100
Strong
Volume 33Mix 3.61% of portfolio
56/100
Sound
Volume 25Mix 2.74% of portfolio
52/100
Sound

Top States by Place Specialization Score

Iowa
Iowa
1
IowaState
Volume 653Mix 71.44% of portfolio
84/100
Exceptional
Wisconsin
Wisconsin
2
WisconsinState
Volume 167Mix 18.27% of portfolio
71/100
Strong
Illinois
Illinois
3
IllinoisState
Volume 67Mix 7.33% of portfolio
58/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.