Dubuque, IA Metro Area Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 4,842 mortgage applications in Dubuque, IA metro area totaling $708.8 million, up 21% from 2018. The average application was for $146,377, and applicants reported an average income of $93,000. 76% of applications resulted in an originated loan and 9% were denied. The most active lender was Dupaco Community Credit Union, with 1,849 applications, followed by Midwestone Bank and Iowa Bankers Mortgage Corporation.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,842 |
| Total Mortgage Loan Application Amount | $708,760,000 |
| Average Mortgage Loan Application Amount | $146,377 |
| Highest Mortgage Loan Application Amount | $7,255,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $3,588,000 |
Top Mortgage Lenders in Dubuque, IA Metro Area (2019)
Ranked by the number of mortgage applications each lender reported in Dubuque, IA metro area in 2019.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Dupaco Community Credit Union Dubuque, IA |
1,849 | $198,095,000 | $107,000 | $82,000 |
| 2 | Midwestone Bank Iowa City, IA |
646 | $103,140,000 | $159,000 | $115,000 |
| 3 | Iowa Bankers Mortgage Corporation Johnston, IA |
299 | $68,085,000 | $227,000 | $119,000 |
| 4 | Fidelity Bank & Trust Dubuque, IA |
230 | $40,160,000 | $174,000 | $97,000 |
| 5 | Collins Community Credit Union Cedar Rapids, IA |
217 | $29,245,000 | $134,000 | $77,000 |
| 6 | Dutrac Community Credit Union Dubuque, IA |
179 | $29,735,000 | $166,000 | $75,000 |
| 7 | US Bank, N.A. Cincinnati, OH |
165 | $22,255,000 | $134,000 | $88,000 |
| 8 | Premier Bank Dubuque, IA |
105 | $18,775,000 | $178,000 | $141,000 |
| 9 | Greenstate Credit Union North Liberty, IA |
86 | $10,650,000 | $123,000 | $142,000 |
| 10 | Dubuque Bank and Trust Company Dubuque, IA |
72 | $16,560,000 | $230,000 | $163,000 |
The tables below break down 2019 mortgage applications in Dubuque, IA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Dubuque, IA in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,987 | $329,345,000 | $165,000 | $3,505,000 | $88,000 | $1,404,000 |
| Refinancing | 1,661 | $268,045,000 | $161,000 | $7,255,000 | $99,000 | $2,078,000 |
| Other Purpose | 557 | $26,175,000 | $46,000 | $485,000 | $94,000 | $1,363,000 |
| Cash-out Refinancing | 436 | $73,700,000 | $169,000 | $735,000 | $97,000 | $3,588,000 |
| Home Improvement | 178 | $9,230,000 | $51,000 | $505,000 | $86,000 | $303,000 |
| Not Applicable | 23 | $2,265,000 | $98,000 | $295,000 | $78,000 | $105,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,132 | $586,040,000 | $141,000 | $3,505,000 | $93,000 | $3,588,000 |
| Not applicable | 316 | $68,160,000 | $215,000 | $7,255,000 | $109,000 | $608,000 |
| Not Provided | 262 | $33,880,000 | $129,000 | $805,000 | $90,000 | $608,000 |
| Hispanic | 43 | $5,775,000 | $134,000 | $505,000 | $86,000 | $260,000 |
| Black or African American | 38 | $5,270,000 | $138,000 | $315,000 | $82,000 | $298,000 |
| Asian | 33 | $7,005,000 | $212,000 | $865,000 | $138,000 | $799,000 |
| American Indian or Alaskan Native | 8 | $760,000 | $95,000 | $215,000 | $55,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $630,000 | $157,000 | $175,000 | $72,000 | $79,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,446 | $640,950,000 | $144,000 | $7,255,000 | $95,000 | $3,588,000 |
| VA-guaranteed (Veterans Administration) | 187 | $38,065,000 | $203,000 | $485,000 | $68,000 | $237,000 |
| FHA-insured (Federal Housing Administration) | 184 | $26,640,000 | $144,000 | $325,000 | $60,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,105,000 | $124,000 | $185,000 | $47,000 | $72,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,676 | $543,050,000 | $147,000 | $7,255,000 | $95,000 | $1,404,000 |
| Application Denied By Financial Institution | 452 | $45,450,000 | $100,000 | $1,505,000 | $70,000 | $2,078,000 |
| Application Withdrawn By Applicant | 262 | $40,670,000 | $155,000 | $1,505,000 | $101,000 | $3,588,000 |
| Loan Purchased By The Institution | 193 | $37,065,000 | $192,000 | $485,000 | $101,000 | $696,000 |
| Application Approved But Not Accepted | 182 | $30,300,000 | $166,000 | $3,505,000 | $103,000 | $1,250,000 |
| File Closed For Incompleteness | 75 | $11,605,000 | $154,000 | $375,000 | $87,000 | $408,000 |
| Preapproval Approved but not Accepted | 2 | $620,000 | $310,000 | $345,000 | $105,000 | $110,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 4,041 | $604,185,000 | $149,000 | $7,255,000 | $96,000 | $3,588,000 |
| Debt-To-Income Ratio | 454 | $74,240,000 | $163,000 | $1,655,000 | $86,000 | $968,000 |
| Credit History | 222 | $12,540,000 | $56,000 | $305,000 | $60,000 | $262,000 |
| Credit Application Incomplete | 43 | $8,435,000 | $196,000 | $735,000 | $103,000 | $603,000 |
| Collateral | 32 | $4,080,000 | $127,000 | $445,000 | $144,000 | $2,078,000 |
| Other | 30 | $2,720,000 | $90,000 | $285,000 | $68,000 | $298,000 |
| Employment History | 8 | $1,100,000 | $137,000 | $315,000 | $50,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,070,000 | $133,000 | $305,000 | $57,000 | $94,000 |
| Unverifiable Information | 4 | $390,000 | $97,000 | $105,000 | $17,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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