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Dupaco Community

Credit UnionDubuque, IADirect to Consumer

We analyzed every closed loan from Dupaco Community 914 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
Conventional
Place
Strong
Multi-Region · 5 mkts
Safe Rate Awards💎Conventional Champion💎Purchase ChampionRefinance Superstar

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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

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Report Card

Dupaco Community performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 26.0 bps below market avg
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Market Leader
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Exceptional
Exceptional
Exceptional
Exceptional
91099.6%
-0.260%Below
$1,564Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Exceptional
Strong
Exceptional
Exceptional
74681.6%
-0.263%Below
$1,477Fees
Refinance
Strong
Strong
Strong
Strong
16818.4%
-0.249%Below
$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
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%of portfolio
Place
Exceptional
2
Cedar Rapids, IA, IAMSA
Volume: 77Mix: 8.42%of portfolio
Place
Strong
3
Waterloo, IAMSA
Volume: 39Mix: 4.27%of portfolio
Place
Strong
4
Des Moines, IAMSA
Volume: 33Mix: 3.61%of portfolio
Place
Sound
5
Madison, WI, WIMSA
Volume: 25Mix: 2.74%of portfolio
Place
Sound

Top States by Place Specialization Score

1
IAState
Volume: 653Mix: 71.44%of portfolio
Place
Exceptional
2
WIState
Volume: 167Mix: 18.27%of portfolio
Place
Strong
3
ILState
Volume: 67Mix: 7.33%of portfolio
Place
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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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.