Dupaco Community Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Dupaco Community Credit Union of Dubuque, IA reported 3,716 mortgage applications totaling $483.0 million, up 4% from 2024. The average application was for $129,965, and applicants reported an average income of $122,589. 75% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Dubuque, IA (1,164), Cedar Rapids, IA (469) and Waterloo-Cedar Falls, IA (234) (applications in parentheses).

Mortgage Company & Address Dupaco Community Credit Union
Po Box 179
Dubuque, IA 52004
Tel #: available with data download
Federal Regulator * available with data download
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 3,716
Total Mortgage Loan Application Amount $482,950,000
Average Mortgage Loan Application Amount $129,965
Highest Mortgage Loan Application Amount $3,865,000
Average Applicant Income $122,589
Highest Applicant Income $4,992,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dupaco Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Dupaco Community Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dubuque, Iowa 1,164 $ 152,200,000 $ 130,756 $ 130,000
Linn, Iowa 381 $ 39,085,000 $ 102,585 $ 118,000
Grant, Wisconsin 349 $ 46,915,000 $ 134,426 $ 115,000
Black Hawk, Iowa 200 $ 16,280,000 $ 81,400 $ 110,000
Jo Daviess, Illinois 185 $ 22,195,000 $ 119,972 $ 121,000
Dane, Wisconsin 142 $ 36,380,000 $ 256,197 $ 150,000
Delaware, Iowa 121 $ 12,935,000 $ 106,900 $ 105,000
Carroll, Iowa 108 $ 10,120,000 $ 93,703 $ 105,000
Lafayette, Wisconsin 94 $ 12,050,000 $ 128,191 $ 109,000
Polk, Iowa 86 $ 13,590,000 $ 158,023 $ 171,000
Jackson, Iowa 68 $ 7,390,000 $ 108,676 $ 115,000
Clayton, Iowa 51 $ 5,625,000 $ 110,294 $ 94,000
Jones, Iowa 50 $ 5,630,000 $ 112,600 $ 101,000
Dallas, Iowa 46 $ 8,780,000 $ 190,869 $ 159,000
Benton, Iowa 38 $ 3,550,000 $ 93,421 $ 93,000
Johnson, Iowa 36 $ 4,830,000 $ 134,166 $ 166,000
Iowa, Wisconsin 32 $ 3,900,000 $ 121,875 $ 89,000
Buchanan, Iowa 31 $ 2,965,000 $ 95,645 $ 90,000
Bremer, Iowa 23 $ 2,075,000 $ 90,217 $ 102,000
Scott, Iowa 20 $ 4,850,000 $ 242,500 $ 388,000
Iowa, Iowa 18 $ 1,680,000 $ 93,333 $ 113,000
Calhoun, Iowa 17 $ 1,245,000 $ 73,235 $ 114,000
Butler, Iowa 16 $ 1,290,000 $ 80,625 $ 90,000
Fayette, Iowa 13 $ 1,215,000 $ 93,461 $ 108,000
Columbia, Wisconsin 12 $ 2,840,000 $ 236,666 $ 116,000
Greene, Iowa 11 $ 715,000 $ 65,000 $ 76,000
Grundy, Iowa 11 $ 875,000 $ 79,545 $ 82,000
Cedar, Iowa 10 $ 1,290,000 $ 129,000 $ 82,000
Rock, Wisconsin 10 $ 1,400,000 $ 140,000 $ 132,000
Story, Iowa 9 $ 1,485,000 $ 165,000 $ 111,000
Tama, Iowa 9 $ 705,000 $ 78,333 $ 95,000
Stephenson, Illinois 8 $ 580,000 $ 72,500 $ 134,000
Whiteside, Illinois 8 $ 920,000 $ 115,000 $ 130,000
Muscatine, Iowa 8 $ 1,300,000 $ 162,500 $ 107,000
Sac, Iowa 8 $ 610,000 $ 76,250 $ 81,000
Warren, Iowa 8 $ 2,620,000 $ 327,500 $ 162,000
Cook, Illinois 7 $ 1,335,000 $ 190,714 $ 145,000
Clinton, Iowa 7 $ 805,000 $ 115,000 $ 125,000
Crawford, Wisconsin 7 $ 1,065,000 $ 152,142 $ 87,000
Green, Wisconsin 7 $ 845,000 $ 120,714 $ 120,000
Waukesha, Wisconsin 7 $ 1,495,000 $ 213,571 $ 110,000
Carroll, Illinois 6 $ 920,000 $ 153,333 $ 91,000
Maricopa, Arizona 5 $ 1,035,000 $ 207,000 $ 132,000
Ogle, Illinois 5 $ 655,000 $ 131,000 $ 85,000
Winnebago, Illinois 5 $ 675,000 $ 135,000 $ 103,000
Audubon, Iowa 5 $ 325,000 $ 65,000 $ 48,000
Crawford, Iowa 5 $ 385,000 $ 77,000 $ 107,000
Hardin, Iowa 5 $ 215,000 $ 43,000 $ 542,000
Jasper, Iowa 5 $ 675,000 $ 135,000 $ 74,000
Marshall, Iowa 5 $ 715,000 $ 143,000 $ 91,000
Washington, Iowa 5 $ 685,000 $ 137,000 $ 104,000
Camden, Missouri 5 $ 1,115,000 $ 223,000 $ 120,000
Sauk, Wisconsin 5 $ 1,445,000 $ 289,000 $ 136,000
Lee, Florida 4 $ 1,860,000 $ 465,000 $ 240,000
Cerro Gordo, Iowa 4 $ 600,000 $ 150,000 $ 100,000
Floyd, Iowa 4 $ 120,000 $ 30,000 $ 75,000
Madison, Iowa 4 $ 290,000 $ 72,500 $ 112,000
Winneshiek, Iowa 4 $ 500,000 $ 125,000 $ 76,000
Jefferson, Wisconsin 4 $ 860,000 $ 215,000 $ 126,000
La Crosse, Wisconsin 4 $ 1,070,000 $ 267,500 $ 99,000
Richland, Wisconsin 4 $ 580,000 $ 145,000 $ 108,000
Marion, Florida 3 $ 465,000 $ 155,000 $ 72,000
Fulton, Illinois 3 $ 35,000 $ 11,666 $ 85,000
Kane, Illinois 3 $ 385,000 $ 128,333 $ 96,000
Boone, Iowa 3 $ 375,000 $ 125,000 $ 153,000
Chickasaw, Iowa 3 $ 315,000 $ 105,000 $ 111,000
Des Moines, Iowa 3 $ 295,000 $ 98,333 $ 98,000
Mahaska, Iowa 3 $ 705,000 $ 235,000 $ 137,000
Poweshiek, Iowa 3 $ 425,000 $ 141,666 $ 62,000
Shelby, Iowa 3 $ 175,000 $ 58,333 $ 62,000
Wapello, Iowa 3 $ 285,000 $ 95,000 $ 97,000
Anoka, Minnesota 3 $ 235,000 $ 78,333 $ 151,000
Hennepin, Minnesota 3 $ 1,375,000 $ 458,333 $ 512,000
Douglas, Nebraska 3 $ 715,000 $ 238,333 $ 131,000
Juneau, Wisconsin 3 $ 1,365,000 $ 455,000 $ 153,000
Pinellas, Florida 2 $ 660,000 $ 330,000 $ 74,000
Sarasota, Florida 2 $ 610,000 $ 305,000 $ 52,000
Sumter, Florida 2 $ 230,000 $ 115,000 $ 72,000
DuPage, Illinois 2 $ 710,000 $ 355,000 $ 188,000
LaSalle, Illinois 2 $ 310,000 $ 155,000 $ 121,000
Rock Island, Illinois 2 $ 70,000 $ 35,000 $ 68,000
Randolph, Indiana 2 $ 270,000 $ 135,000 $ 82,000
Adair, Iowa 2 $ 120,000 $ 60,000 $ 63,000
Allamakee, Iowa 2 $ 140,000 $ 70,000 $ 54,000
Buena Vista, Iowa 2 $ 290,000 $ 145,000 $ 70,000
Cass, Iowa 2 $ 60,000 $ 30,000 $ 63,000
Guthrie, Iowa 2 $ 260,000 $ 130,000 $ 108,000
Henry, Iowa 2 $ 210,000 $ 105,000 $ 49,000
Marion, Iowa 2 $ 510,000 $ 255,000 $ 88,000
Palo Alto, Iowa 2 $ 70,000 $ 35,000 $ 91,000
Olmsted, Minnesota 2 $ 550,000 $ 275,000 $ 142,000
Ramsey, Minnesota 2 $ 430,000 $ 215,000 $ 114,000
Jackson, Mississippi 2 $ 300,000 $ 150,000 $ 62,000
St. Louis, Missouri 2 $ 130,000 $ 65,000 $ 32,000
St. Louis City, Missouri 2 $ 620,000 $ 310,000 $ 366,000
Lucas, Ohio 2 $ 40,000 $ 20,000 $ 33,000
Oklahoma, Oklahoma 2 $ 170,000 $ 85,000 $ 90,000
Clark, Washington 2 $ 570,000 $ 285,000 $ 279,000
King, Washington 2 $ 110,000 $ 55,000 $ 59,000
Fond du Lac, Wisconsin 2 $ 140,000 $ 70,000 $ 57,000
Monroe, Wisconsin 2 $ 280,000 $ 140,000 $ 87,000
Racine, Wisconsin 2 $ 190,000 $ 95,000 $ 112,000
DeKalb, Alabama 1 $ 25,000 $ 25,000 $ 85,000
Crawford, Arkansas 1 $ 135,000 $ 135,000 $ 78,000
Garland, Arkansas 1 $ 185,000 $ 185,000 $ 84,000
Humboldt, California 1 $ 25,000 $ 25,000 $ 88,000
Sacramento, California 1 $ 85,000 $ 85,000 $ 350,000
San Diego, California 1 $ 75,000 $ 75,000 $ 133,000
Montezuma, Colorado 1 $ 405,000 $ 405,000 $ 96,000
Summit, Colorado 1 $ 55,000 $ 55,000 $ 39,000
Brevard, Florida 1 $ 155,000 $ 155,000 $ 44,000
Hillsborough, Florida 1 $ 25,000 $ 25,000 $ 102,000
Nassau, Florida 1 $ 315,000 $ 315,000 $ 126,000
Henry, Illinois 1 $ 75,000 $ 75,000 $ 58,000
Kendall, Illinois 1 $ 185,000 $ 185,000 $ 65,000
Knox, Illinois 1 $ 35,000 $ 35,000 $ 15,000
Lake, Illinois 1 $ 125,000 $ 125,000 $ 88,000
Sangamon, Illinois 1 $ 95,000 $ 95,000 $ 143,000
Lake, Indiana 1 $ 115,000 $ 115,000 $ 0
Cherokee, Iowa 1 $ 45,000 $ 45,000 $ 65,000
Decatur, Iowa 1 $ 35,000 $ 35,000 $ 55,000
Dickinson, Iowa 1 $ 355,000 $ 355,000 $ 0
Franklin, Iowa 1 $ 95,000 $ 95,000 $ 116,000
Hamilton, Iowa 1 $ 145,000 $ 145,000 $ 100,000
Harrison, Iowa 1 $ 75,000 $ 75,000 $ 42,000
Howard, Iowa 1 $ 85,000 $ 85,000 $ 41,000
Humboldt, Iowa 1 $ 45,000 $ 45,000 $ 133,000
Keokuk, Iowa 1 $ 65,000 $ 65,000 $ 27,000
Mitchell, Iowa 1 $ 65,000 $ 65,000 $ 155,000
Osceola, Iowa 1 $ 75,000 $ 75,000 $ 112,000
Pocahontas, Iowa 1 $ 85,000 $ 85,000 $ 128,000
Union, Iowa 1 $ 115,000 $ 115,000 $ 58,000
Wayne, Iowa 1 $ 75,000 $ 75,000 $ 90,000
Webster, Iowa 1 $ 145,000 $ 145,000 $ 48,000
Winnebago, Iowa 1 $ 25,000 $ 25,000 $ 87,000
Woodbury, Iowa 1 $ 45,000 $ 45,000 $ 64,000
Worth, Iowa 1 $ 275,000 $ 275,000 $ 84,000
Wright, Iowa 1 $ 355,000 $ 355,000 $ 150,000
Labette, Kansas 1 $ 5,000 $ 5,000 $ 42,000
Morris, Kansas 1 $ 15,000 $ 15,000 $ 50,000
Franklin, Kentucky 1 $ 205,000 $ 205,000 $ 103,000
Androscoggin, Maine 1 $ 285,000 $ 285,000 $ 86,000
Lincoln, Maine 1 $ 195,000 $ 195,000 $ 61,000
Queen Anne's, Maryland 1 $ 105,000 $ 105,000 $ 512,000
Barnstable, Massachusetts 1 $ 385,000 $ 385,000 $ 178,000
Macomb, Michigan 1 $ 295,000 $ 295,000 $ 170,000
Midland, Michigan 1 $ 85,000 $ 85,000 $ 37,000
Crow Wing, Minnesota 1 $ 605,000 $ 605,000 $ 391,000
Dodge, Minnesota 1 $ 805,000 $ 805,000 $ 334,000
Faribault, Minnesota 1 $ 35,000 $ 35,000 $ 101,000
Goodhue, Minnesota 1 $ 335,000 $ 335,000 $ 105,000
Houston, Minnesota 1 $ 205,000 $ 205,000 $ 0
Norman, Minnesota 1 $ 85,000 $ 85,000 $ 159,000
Rice, Minnesota 1 $ 75,000 $ 75,000 $ 130,000
Winona, Minnesota 1 $ 195,000 $ 195,000 $ 126,000
Clay, Missouri 1 $ 65,000 $ 65,000 $ 238,000
Cole, Missouri 1 $ 35,000 $ 35,000 $ 127,000
Cooper, Missouri 1 $ 35,000 $ 35,000 $ 114,000
Johnson, Missouri 1 $ 35,000 $ 35,000 $ 105,000
Lafayette, Missouri 1 $ 5,000 $ 5,000 $ 75,000
Macon, Missouri 1 $ 445,000 $ 445,000 $ 113,000
Lancaster, Nebraska 1 $ 15,000 $ 15,000 $ 49,000
Guilford, North Carolina 1 $ 185,000 $ 185,000 $ 114,000
Wake, North Carolina 1 $ 55,000 $ 55,000 $ 35,000
Clatsop, Oregon 1 $ 415,000 $ 415,000 $ 134,000
Jackson, Oregon 1 $ 195,000 $ 195,000 $ 198,000
Berks, Pennsylvania 1 $ 115,000 $ 115,000 $ 68,000
Philadelphia, Pennsylvania 1 $ 225,000 $ 225,000 $ 60,000
Greenville, South Carolina 1 $ 155,000 $ 155,000 $ 157,000
Union, South Dakota 1 $ 45,000 $ 45,000 $ 199,000
Hamilton, Tennessee 1 $ 315,000 $ 315,000 $ 74,000
Overton, Tennessee 1 $ 325,000 $ 325,000 $ 128,000
Wilson, Tennessee 1 $ 315,000 $ 315,000 $ 170,000
Utah, Utah 1 $ 235,000 $ 235,000 $ 416,000
Albemarle, Virginia 1 $ 435,000 $ 435,000 $ 393,000
Amherst, Virginia 1 $ 35,000 $ 35,000 $ 73,000
Henrico, Virginia 1 $ 85,000 $ 85,000 $ 291,000
Thurston, Washington 1 $ 25,000 $ 25,000 $ 297,000
Mercer, West Virginia 1 $ 5,000 $ 5,000 $ 71,000
Adams, Wisconsin 1 $ 35,000 $ 35,000 $ 41,000
Clark, Wisconsin 1 $ 55,000 $ 55,000 $ 135,000
Dodge, Wisconsin 1 $ 185,000 $ 185,000 $ 70,000
Jackson, Wisconsin 1 $ 135,000 $ 135,000 $ 84,000
Kewaunee, Wisconsin 1 $ 155,000 $ 155,000 $ 36,000
Lincoln, Wisconsin 1 $ 175,000 $ 175,000 $ 75,000
Marathon, Wisconsin 1 $ 85,000 $ 85,000 $ 95,000
Milwaukee, Wisconsin 1 $ 165,000 $ 165,000 $ 165,000
Oneida, Wisconsin 1 $ 305,000 $ 305,000 $ 713,000
Outagamie, Wisconsin 1 $ 375,000 $ 375,000 $ 82,000
Ozaukee, Wisconsin 1 $ 505,000 $ 505,000 $ 196,000
Vernon, Wisconsin 1 $ 175,000 $ 175,000 $ 43,000
Walworth, Wisconsin 1 $ 725,000 $ 725,000 $ 203,000
Washburn, Wisconsin 1 $ 255,000 $ 255,000 $ 116,000

Mortgage Loan Application Detail Totals for Dupaco Community Credit Union in 2025

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
Other Purpose 2,097 $144,475,000 $68,000 $805,000 $139,000 $4,992,000
Home Purchase 968 $210,870,000 $217,000 $3,865,000 $98,000 $1,009,000
Cash-out Refinancing 308 $55,030,000 $178,000 $1,205,000 $100,000 $641,000
Refinancing 297 $67,475,000 $227,000 $3,245,000 $111,000 $536,000
Home Improvement 46 $5,100,000 $110,000 $1,005,000 $118,000 $278,000
Not Applicable 0 $0 $0 $0 $0 $0

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 3,120 $389,810,000 $124,000 $1,055,000 $122,000 $2,496,000
Not Provided 283 $34,025,000 $120,000 $1,005,000 $133,000 $1,280,000
Not applicable 106 $35,970,000 $339,000 $3,865,000 $0 $0
Black or African American 86 $8,170,000 $95,000 $535,000 $149,000 $4,992,000
Hispanic 74 $8,780,000 $118,000 $465,000 $119,000 $1,240,000
Asian 34 $4,750,000 $139,000 $485,000 $89,000 $205,000
American Indian or Alaskan Native 9 $905,000 $100,000 $225,000 $70,000 $123,000
Native Hawaiian or Other Pacific Islander 4 $540,000 $135,000 $255,000 $133,000 $253,000

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) 3,714 $482,430,000 $129,000 $3,865,000 $123,000 $4,992,000
VA-guaranteed (Veterans Administration) 2 $520,000 $260,000 $285,000 $32,000 $32,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 2,783 $378,185,000 $135,000 $3,865,000 $131,000 $2,400,000
Application Denied By Financial Institution 583 $56,175,000 $96,000 $805,000 $99,000 $4,992,000
Application Withdrawn By Applicant 291 $42,455,000 $145,000 $705,000 $105,000 $641,000
Application Approved But Not Accepted 58 $5,850,000 $100,000 $525,000 $84,000 $204,000
Loan Purchased By The Institution 1 $285,000 $285,000 $285,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 3,133 $426,775,000 $136,000 $3,865,000 $128,000 $2,400,000
Credit History 210 $17,830,000 $84,000 $505,000 $94,000 $2,496,000
Collateral 117 $10,315,000 $88,000 $805,000 $136,000 $4,992,000
Debt-To-Income Ratio 113 $13,735,000 $121,000 $605,000 $63,000 $180,000
Unverifiable Information 79 $9,485,000 $120,000 $645,000 $87,000 $636,000
Credit Application Incomplete 28 $2,530,000 $90,000 $355,000 $99,000 $291,000
Other 20 $1,170,000 $58,000 $385,000 $215,000 $2,446,000
Employment History 13 $655,000 $50,000 $205,000 $53,000 $147,000
Insufficient Cash (Downpayment, Closing Cost) 3 $455,000 $151,000 $165,000 $61,000 $73,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Dupaco Community Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Dupaco Community Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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