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DUPACO COMMUNITY
Credit Union|Dubuque, IA|Multi-Region
Loans Originated
914
Applications
1,193
Volume
$194 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.260%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,564
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 26.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
DUPACO COMMUNITY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 6 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$213,173
Average Borrower Income
$91,468
Average Property Value
$286,411
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Exceptional | 910 | 99.6% | -0.260% | $1,564 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Strong | Exceptional | Exceptional | 746 | 81.6% | -0.263% | $1,477 |
Refinance | Strong | Strong | Strong | Strong | 168 | 18.4% | -0.249% | $1,949 |
Geographic Coverage
Metro Areas
5
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Dubuque, IA, IAMSA
Volume: 360Mix: 39.39%
Place Specialization
Exceptional
2
Cedar Rapids, IA, IAMSA
Volume: 77Mix: 8.42%
Place Specialization
Strong
3
Waterloo, IAMSA
Volume: 39Mix: 4.27%
Place Specialization
Strong
4
Des Moines, IAMSA
Volume: 33Mix: 3.61%
Place Specialization
Sound
5
Madison, WI, WIMSA
Volume: 25Mix: 2.74%
Place Specialization
Sound
Top States by Place Specialization Score
1
IAState
Volume: 653Mix: 71.44%
Place Specialization
Exceptional
2
WIState
Volume: 167Mix: 18.27%
Place Specialization
Strong
3
ILState
Volume: 67Mix: 7.33%
Place Specialization
Sound
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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