Dupaco Community Credit Union Mortgage Lending & HMDA Data, 2019

In 2019, Dupaco Community Credit Union of Dubuque, IA reported 4,503 mortgage applications totaling $471.9 million, up 26% from 2018. The average application was for $104,786, and applicants reported an average income of $79,320. 77% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Dubuque, IA (1,849), Cedar Rapids, IA (617) and Waterloo-Cedar Falls, IA (230) (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 4,503
Total Mortgage Loan Application Amount $471,855,000
Average Mortgage Loan Application Amount $104,786
Highest Mortgage Loan Application Amount $5,325,000
Average Applicant Income $79,320
Highest Applicant Income $1,500,000

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records Dupaco Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dubuque, Iowa 1,849 $ 198,095,000 $ 107,136 $ 82,000
Linn, Iowa 477 $ 52,625,000 $ 110,324 $ 73,000
Grant, Wisconsin 460 $ 46,950,000 $ 102,065 $ 76,000
Jo Daviess, Illinois 271 $ 26,115,000 $ 96,365 $ 79,000
Black Hawk, Iowa 203 $ 15,355,000 $ 75,640 $ 63,000
Delaware, Iowa 163 $ 14,015,000 $ 85,981 $ 67,000
Carroll, Iowa 119 $ 9,415,000 $ 79,117 $ 70,000
Lafayette, Wisconsin 82 $ 8,510,000 $ 103,780 $ 69,000
Jackson, Iowa 79 $ 7,485,000 $ 94,746 $ 74,000
Jones, Iowa 73 $ 6,225,000 $ 85,273 $ 88,000
Benton, Iowa 67 $ 5,585,000 $ 83,358 $ 74,000
Clayton, Iowa 51 $ 5,335,000 $ 104,607 $ 83,000
Buchanan, Iowa 47 $ 3,555,000 $ 75,638 $ 76,000
Iowa, Wisconsin 36 $ 2,600,000 $ 72,222 $ 60,000
Johnson, Iowa 26 $ 2,980,000 $ 114,615 $ 84,000
Polk, Iowa 24 $ 3,100,000 $ 129,166 $ 93,000
Iowa, Iowa 19 $ 1,115,000 $ 58,684 $ 69,000
Maricopa, Arizona 18 $ 4,220,000 $ 234,444 $ 126,000
Dane, Wisconsin 18 $ 3,310,000 $ 183,888 $ 105,000
Scott, Iowa 16 $ 1,500,000 $ 93,750 $ 81,000
Bremer, Iowa 15 $ 1,485,000 $ 99,000 $ 65,000
Fayette, Iowa 14 $ 1,410,000 $ 100,714 $ 76,000
Cedar, Iowa 12 $ 1,280,000 $ 106,666 $ 95,000
Grundy, Iowa 12 $ 760,000 $ 63,333 $ 55,000
Butler, Iowa 11 $ 955,000 $ 86,818 $ 87,000
Dallas, Iowa 10 $ 1,720,000 $ 172,000 $ 205,000
Rock, Wisconsin 10 $ 650,000 $ 65,000 $ 75,000
Sac, Iowa 9 $ 565,000 $ 62,777 $ 53,000
Sauk, Wisconsin 9 $ 1,965,000 $ 218,333 $ 123,000
Greene, Iowa 8 $ 620,000 $ 77,500 $ 61,000
Crawford, Wisconsin 8 $ 680,000 $ 85,000 $ 91,000
Calhoun, Iowa 7 $ 395,000 $ 56,428 $ 58,000
Muscatine, Iowa 7 $ 975,000 $ 139,285 $ 93,000
Story, Iowa 7 $ 955,000 $ 136,428 $ 89,000
Dakota, Minnesota 7 $ 1,635,000 $ 233,571 $ 207,000
Tama, Iowa 6 $ 550,000 $ 91,666 $ 60,000
Hennepin, Minnesota 6 $ 1,270,000 $ 211,666 $ 113,000
Lee, Florida 5 $ 765,000 $ 153,000 $ 60,000
Carroll, Illinois 5 $ 185,000 $ 37,000 $ 59,000
Kane, Illinois 5 $ 715,000 $ 143,000 $ 71,000
Rock Island, Illinois 5 $ 425,000 $ 85,000 $ 87,000
Stephenson, Illinois 5 $ 235,000 $ 47,000 $ 62,000
Allamakee, Iowa 5 $ 465,000 $ 93,000 $ 71,000
Audubon, Iowa 5 $ 255,000 $ 51,000 $ 72,000
Cerro Gordo, Iowa 5 $ 485,000 $ 97,000 $ 59,000
Clinton, Iowa 5 $ 1,045,000 $ 209,000 $ 90,000
Crawford, Iowa 5 $ 285,000 $ 57,000 $ 58,000
Milwaukee, Wisconsin 5 $ 685,000 $ 137,000 $ 368,000
Cook, Illinois 4 $ 430,000 $ 107,500 $ 112,000
Hardin, Iowa 4 $ 400,000 $ 100,000 $ 91,000
Jasper, Iowa 4 $ 250,000 $ 62,500 $ 91,000
Marshall, Iowa 4 $ 120,000 $ 30,000 $ 65,000
Green, Wisconsin 4 $ 470,000 $ 117,500 $ 66,000
Richland, Wisconsin 4 $ 260,000 $ 65,000 $ 59,000
Brevard, Florida 3 $ 675,000 $ 225,000 $ 124,000
DeKalb, Illinois 3 $ 205,000 $ 68,333 $ 77,000
Boone, Iowa 3 $ 355,000 $ 118,333 $ 87,000
Washington, Iowa 3 $ 115,000 $ 38,333 $ 63,000
Taney, Missouri 3 $ 375,000 $ 125,000 $ 81,000
Juneau, Wisconsin 3 $ 205,000 $ 68,333 $ 133,000
Cochise, Arizona 2 $ 130,000 $ 65,000 $ 64,000
San Diego, California 2 $ 130,000 $ 65,000 $ 57,000
Denver, Colorado 2 $ 320,000 $ 160,000 $ 129,000
Douglas, Colorado 2 $ 710,000 $ 355,000 $ 86,000
El Paso, Colorado 2 $ 360,000 $ 180,000 $ 104,000
Marion, Florida 2 $ 130,000 $ 65,000 $ 31,000
Pasco, Florida 2 $ 610,000 $ 305,000 $ 117,000
Sumter, Florida 2 $ 350,000 $ 175,000 $ 86,000
McHenry, Illinois 2 $ 440,000 $ 220,000 $ 142,000
Mercer, Illinois 2 $ 10,000 $ 5,000 $ 64,000
Chickasaw, Iowa 2 $ 380,000 $ 190,000 $ 92,000
Floyd, Iowa 2 $ 40,000 $ 20,000 $ 59,000
Pottawattamie, Iowa 2 $ 180,000 $ 90,000 $ 72,000
Poweshiek, Iowa 2 $ 150,000 $ 75,000 $ 31,000
Wapello, Iowa 2 $ 100,000 $ 50,000 $ 67,000
Webster, Iowa 2 $ 90,000 $ 45,000 $ 61,000
Talbot, Maryland 2 $ 480,000 $ 240,000 $ 200,000
Ionia, Michigan 2 $ 160,000 $ 80,000 $ 68,000
Osceola, Michigan 2 $ 390,000 $ 195,000 $ 64,000
Anoka, Minnesota 2 $ 200,000 $ 100,000 $ 88,000
Scott, Minnesota 2 $ 560,000 $ 280,000 $ 158,000
Lorain, Ohio 2 $ 200,000 $ 100,000 $ 104,000
Warren, Ohio 2 $ 450,000 $ 225,000 $ 99,000
Hamilton, Tennessee 2 $ 730,000 $ 365,000 $ 320,000
King, Washington 2 $ 280,000 $ 140,000 $ 98,000
Adams, Wisconsin 2 $ 170,000 $ 85,000 $ 58,000
Dodge, Wisconsin 2 $ 300,000 $ 150,000 $ 82,000
Green Lake, Wisconsin 2 $ 520,000 $ 260,000 $ 204,000
Jackson, Wisconsin 2 $ 250,000 $ 125,000 $ 54,000
Baldwin, Alabama 1 $ 215,000 $ 215,000 $ 81,000
Montgomery, Alabama 1 $ 15,000 $ 15,000 $ 76,000
Benton, Arkansas 1 $ 105,000 $ 105,000 $ 40,000
Union, Arkansas 1 $ 185,000 $ 185,000 $ 89,000
Alameda, California 1 $ 55,000 $ 55,000 $ 88,000
El Dorado, California 1 $ 425,000 $ 425,000 $ 105,000
Los Angeles, California 1 $ 485,000 $ 485,000 $ 132,000
Adams, Colorado 1 $ 35,000 $ 35,000 $ 50,000
Mesa, Colorado 1 $ 255,000 $ 255,000 $ 154,000
Weld, Colorado 1 $ 335,000 $ 335,000 $ 121,000
New Castle, Delaware 1 $ 275,000 $ 275,000 $ 135,000
Alachua, Florida 1 $ 105,000 $ 105,000 $ 259,000
Hillsborough, Florida 1 $ 15,000 $ 15,000 $ 135,000
Orange, Florida 1 $ 95,000 $ 95,000 $ 34,000
Pinellas, Florida 1 $ 235,000 $ 235,000 $ 106,000
Volusia, Florida 1 $ 135,000 $ 135,000 $ 29,000
Walton, Florida 1 $ 2,855,000 $ 2,855,000 $ 11,000
Adams, Illinois 1 $ 145,000 $ 145,000 $ 76,000
Boone, Illinois 1 $ 175,000 $ 175,000 $ 72,000
Kankakee, Illinois 1 $ 155,000 $ 155,000 $ 35,000
Lake, Illinois 1 $ 105,000 $ 105,000 $ 79,000
Sangamon, Illinois 1 $ 315,000 $ 315,000 $ 127,000
Vermilion, Illinois 1 $ 95,000 $ 95,000 $ 36,000
Warren, Illinois 1 $ 195,000 $ 195,000 $ 81,000
Whiteside, Illinois 1 $ 45,000 $ 45,000 $ 90,000
Bartholomew, Indiana 1 $ 165,000 $ 165,000 $ 66,000
Lake, Indiana 1 $ 125,000 $ 125,000 $ 61,000
Adams, Iowa 1 $ 55,000 $ 55,000 $ 34,000
Cass, Iowa 1 $ 45,000 $ 45,000 $ 79,000
Cherokee, Iowa 1 $ 55,000 $ 55,000 $ 37,000
Des Moines, Iowa 1 $ 265,000 $ 265,000 $ 164,000
Dickinson, Iowa 1 $ 115,000 $ 115,000 $ 190,000
Guthrie, Iowa 1 $ 65,000 $ 65,000 $ 0
Hamilton, Iowa 1 $ 55,000 $ 55,000 $ 111,000
Lee, Iowa 1 $ 95,000 $ 95,000 $ 158,000
Madison, Iowa 1 $ 385,000 $ 385,000 $ 60,000
Shelby, Iowa 1 $ 15,000 $ 15,000 $ 27,000
Warren, Iowa 1 $ 195,000 $ 195,000 $ 95,000
Woodbury, Iowa 1 $ 15,000 $ 15,000 $ 59,000
Worth, Iowa 1 $ 105,000 $ 105,000 $ 42,000
Wright, Iowa 1 $ 105,000 $ 105,000 $ 17,000
Shelby, Kentucky 1 $ 165,000 $ 165,000 $ 89,000
Carroll, Maryland 1 $ 285,000 $ 285,000 $ 92,000
Frederick, Maryland 1 $ 165,000 $ 165,000 $ 92,000
Howard, Maryland 1 $ 515,000 $ 515,000 $ 130,000
Grand Traverse, Michigan 1 $ 45,000 $ 45,000 $ 40,000
Ingham, Michigan 1 $ 195,000 $ 195,000 $ 0
Carver, Minnesota 1 $ 405,000 $ 405,000 $ 136,000
Pine, Minnesota 1 $ 155,000 $ 155,000 $ 53,000
Roseau, Minnesota 1 $ 25,000 $ 25,000 $ 78,000
St. Louis, Minnesota 1 $ 115,000 $ 115,000 $ 51,000
Washington, Minnesota 1 $ 215,000 $ 215,000 $ 46,000
Wright, Minnesota 1 $ 35,000 $ 35,000 $ 104,000
Christian, Missouri 1 $ 25,000 $ 25,000 $ 108,000
Greene, Missouri 1 $ 15,000 $ 15,000 $ 57,000
Jackson, Missouri 1 $ 435,000 $ 435,000 $ 221,000
Morgan, Missouri 1 $ 25,000 $ 25,000 $ 49,000
St. Louis, Missouri 1 $ 195,000 $ 195,000 $ 176,000
Madison, Nebraska 1 $ 45,000 $ 45,000 $ 167,000
Clark, Nevada 1 $ 245,000 $ 245,000 $ 55,000
Bergen, New Jersey 1 $ 425,000 $ 425,000 $ 160,000
Cibola, New Mexico 1 $ 105,000 $ 105,000 $ 110,000
Erie, New York 1 $ 55,000 $ 55,000 $ 115,000
Jackson, North Carolina 1 $ 205,000 $ 205,000 $ 112,000
Wake, North Carolina 1 $ 275,000 $ 275,000 $ 128,000
Marion, Oregon 1 $ 125,000 $ 125,000 $ 109,000
Horry, South Carolina 1 $ 75,000 $ 75,000 $ 110,000
Oconee, South Carolina 1 $ 115,000 $ 115,000 $ 52,000
Richland, South Carolina 1 $ 245,000 $ 245,000 $ 121,000
Codington, South Dakota 1 $ 65,000 $ 65,000 $ 186,000
Knox, Tennessee 1 $ 255,000 $ 255,000 $ 261,000
Shelby, Tennessee 1 $ 35,000 $ 35,000 $ 165,000
Henrico, Virginia 1 $ 55,000 $ 55,000 $ 163,000
Barron, Wisconsin 1 $ 165,000 $ 165,000 $ 51,000
Calumet, Wisconsin 1 $ 345,000 $ 345,000 $ 149,000
Eau Claire, Wisconsin 1 $ 45,000 $ 45,000 $ 101,000
Fond du Lac, Wisconsin 1 $ 255,000 $ 255,000 $ 64,000
Jefferson, Wisconsin 1 $ 485,000 $ 485,000 $ 353,000
La Crosse, Wisconsin 1 $ 145,000 $ 145,000 $ 46,000
Langlade, Wisconsin 1 $ 25,000 $ 25,000 $ 113,000
Oconto, Wisconsin 1 $ 195,000 $ 195,000 $ 128,000
Pierce, Wisconsin 1 $ 145,000 $ 145,000 $ 62,000
Price, Wisconsin 1 $ 75,000 $ 75,000 $ 134,000
Racine, Wisconsin 1 $ 265,000 $ 265,000 $ 122,000
Sawyer, Wisconsin 1 $ 55,000 $ 55,000 $ 113,000
Sheboygan, Wisconsin 1 $ 205,000 $ 205,000 $ 141,000
Vernon, Wisconsin 1 $ 55,000 $ 55,000 $ 114,000
Vilas, Wisconsin 1 $ 245,000 $ 245,000 $ 352,000
Waukesha, Wisconsin 1 $ 185,000 $ 185,000 $ 24,000
Waupaca, Wisconsin 1 $ 165,000 $ 165,000 $ 69,000
Winnebago, Wisconsin 1 $ 195,000 $ 195,000 $ 110,000

Mortgage Loan Application Detail Totals for Dupaco Community Credit Union 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
Refinancing 1,838 $228,850,000 $124,000 $1,065,000 $82,000 $996,000
Home Purchase 1,327 $180,615,000 $136,000 $2,855,000 $76,000 $1,404,000
Other Purpose 1,000 $37,700,000 $37,000 $255,000 $78,000 $1,275,000
Home Improvement 312 $22,110,000 $70,000 $5,325,000 $82,000 $1,500,000
Cash-out Refinancing 26 $2,580,000 $99,000 $385,000 $78,000 $192,000
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 4,071 $417,365,000 $102,000 $2,855,000 $79,000 $1,404,000
Not Provided 209 $17,925,000 $85,000 $485,000 $91,000 $1,500,000
Not applicable 89 $24,515,000 $275,000 $5,325,000 $38,000 $38,000
Black or African American 52 $4,380,000 $84,000 $485,000 $58,000 $192,000
Hispanic 52 $3,920,000 $75,000 $285,000 $62,000 $147,000
Asian 21 $2,945,000 $140,000 $375,000 $102,000 $407,000
American Indian or Alaskan Native 7 $485,000 $69,000 $145,000 $74,000 $139,000
Native Hawaiian or Other Pacific Islander 1 $155,000 $155,000 $155,000 $79,000 $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) 4,500 $471,510,000 $104,000 $5,325,000 $79,000 $1,500,000
VA-guaranteed (Veterans Administration) 2 $320,000 $160,000 $195,000 $95,000 $124,000
FHA-insured (Federal Housing Administration) 1 $25,000 $25,000 $25,000 $65,000 $65,000
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 3,452 $384,280,000 $111,000 $5,325,000 $81,000 $1,404,000
Application Denied By Financial Institution 522 $29,970,000 $57,000 $485,000 $62,000 $1,500,000
Application Approved But Not Accepted 326 $44,250,000 $135,000 $1,065,000 $88,000 $1,000,000
Application Withdrawn By Applicant 162 $6,890,000 $42,000 $255,000 $76,000 $720,000
File Closed For Incompleteness 41 $6,465,000 $157,000 $385,000 $88,000 $408,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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 3,981 $441,885,000 $110,000 $5,325,000 $82,000 $1,404,000
Credit History 439 $18,755,000 $42,000 $255,000 $63,000 $1,500,000
Debt-To-Income Ratio 55 $8,065,000 $146,000 $485,000 $57,000 $344,000
Collateral 10 $1,270,000 $127,000 $305,000 $86,000 $158,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,030,000 $171,000 $305,000 $60,000 $78,000
Other 5 $335,000 $67,000 $125,000 $70,000 $153,000
Unverifiable Information 5 $425,000 $85,000 $125,000 $46,000 $69,000
Credit Application Incomplete 1 $5,000 $5,000 $5,000 $8,000 $8,000
Employment History 1 $85,000 $85,000 $85,000 $43,000 $43,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Dupaco Community Credit Union's 2019 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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