Dupaco Community Credit Union Mortgage Lending & HMDA Data, 2024

In 2024, Dupaco Community Credit Union of Dubuque, IA reported 3,587 mortgage applications totaling $424.4 million, up 3% from 2023. The average application was for $118,328, and applicants reported an average income of $105,204. 72% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Dubuque, IA (1,209), Cedar Rapids, IA (456) and Waterloo-Cedar Falls, IA (221) (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 3,587
Total Mortgage Loan Application Amount $424,445,000
Average Mortgage Loan Application Amount $118,328
Highest Mortgage Loan Application Amount $8,155,000
Average Applicant Income $105,204
Highest Applicant Income $9,360,000

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records Dupaco Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dubuque, Iowa 1,209 $ 149,825,000 $ 123,924 $ 103,000
Linn, Iowa 368 $ 31,310,000 $ 85,081 $ 92,000
Grant, Wisconsin 330 $ 40,060,000 $ 121,393 $ 93,000
Black Hawk, Iowa 190 $ 14,500,000 $ 76,315 $ 99,000
Jo Daviess, Illinois 175 $ 18,975,000 $ 108,428 $ 102,000
Delaware, Iowa 141 $ 16,235,000 $ 115,141 $ 100,000
Dane, Wisconsin 101 $ 32,075,000 $ 317,574 $ 336,000
Carroll, Iowa 81 $ 7,325,000 $ 90,432 $ 82,000
Polk, Iowa 81 $ 8,995,000 $ 111,049 $ 123,000
Jackson, Iowa 72 $ 8,110,000 $ 112,638 $ 94,000
Lafayette, Wisconsin 72 $ 6,830,000 $ 94,861 $ 83,000
Johnson, Iowa 52 $ 5,930,000 $ 114,038 $ 124,000
Benton, Iowa 47 $ 3,515,000 $ 74,787 $ 92,000
Dallas, Iowa 43 $ 6,325,000 $ 147,093 $ 124,000
Jones, Iowa 41 $ 4,995,000 $ 121,829 $ 106,000
Clayton, Iowa 33 $ 2,505,000 $ 75,909 $ 72,000
Buchanan, Iowa 32 $ 3,110,000 $ 97,187 $ 95,000
Iowa, Wisconsin 24 $ 2,380,000 $ 99,166 $ 88,000
Scott, Iowa 23 $ 2,315,000 $ 100,652 $ 83,000
Bremer, Iowa 21 $ 2,795,000 $ 133,095 $ 108,000
Fayette, Iowa 21 $ 1,465,000 $ 69,761 $ 93,000
Cedar, Iowa 17 $ 1,385,000 $ 81,470 $ 95,000
Clinton, Iowa 14 $ 1,070,000 $ 76,428 $ 58,000
Calhoun, Iowa 13 $ 1,095,000 $ 84,230 $ 82,000
Iowa, Iowa 11 $ 875,000 $ 79,545 $ 76,000
Sac, Iowa 11 $ 745,000 $ 67,727 $ 63,000
Rock, Wisconsin 11 $ 1,255,000 $ 114,090 $ 81,000
Grundy, Iowa 10 $ 1,160,000 $ 116,000 $ 83,000
Crawford, Wisconsin 10 $ 1,260,000 $ 126,000 $ 91,000
Greene, Iowa 9 $ 565,000 $ 62,777 $ 62,000
Rock Island, Illinois 8 $ 290,000 $ 36,250 $ 221,000
Boone, Iowa 8 $ 1,150,000 $ 143,750 $ 114,000
Warren, Iowa 8 $ 720,000 $ 90,000 $ 94,000
Columbia, Wisconsin 8 $ 1,370,000 $ 171,250 $ 126,000
Audubon, Iowa 7 $ 425,000 $ 60,714 $ 60,000
Butler, Iowa 7 $ 665,000 $ 95,000 $ 86,000
Sauk, Wisconsin 7 $ 1,765,000 $ 252,142 $ 118,000
Maricopa, Arizona 6 $ 550,000 $ 91,666 $ 142,000
Carroll, Illinois 6 $ 510,000 $ 85,000 $ 106,000
Cook, Illinois 6 $ 1,420,000 $ 236,666 $ 158,000
Winnebago, Illinois 6 $ 710,000 $ 118,333 $ 106,000
Tama, Iowa 6 $ 430,000 $ 71,666 $ 76,000
Allamakee, Iowa 5 $ 225,000 $ 45,000 $ 85,000
Hamilton, Iowa 5 $ 285,000 $ 57,000 $ 48,000
Madison, Iowa 5 $ 935,000 $ 187,000 $ 137,000
Milwaukee, Wisconsin 5 $ 725,000 $ 145,000 $ 67,000
Waukesha, Wisconsin 5 $ 1,095,000 $ 219,000 $ 97,000
Manatee, Florida 4 $ 200,000 $ 50,000 $ 224,000
Stephenson, Illinois 4 $ 520,000 $ 130,000 $ 131,000
Whiteside, Illinois 4 $ 310,000 $ 77,500 $ 71,000
Cerro Gordo, Iowa 4 $ 370,000 $ 92,500 $ 179,000
Crawford, Iowa 4 $ 210,000 $ 52,500 $ 82,000
Guthrie, Iowa 4 $ 380,000 $ 95,000 $ 97,000
Humboldt, Iowa 4 $ 200,000 $ 50,000 $ 129,000
Washington, Iowa 4 $ 410,000 $ 102,500 $ 90,000
Hennepin, Minnesota 4 $ 1,560,000 $ 390,000 $ 181,000
Adams, Wisconsin 4 $ 430,000 $ 107,500 $ 100,000
Green, Wisconsin 4 $ 610,000 $ 152,500 $ 132,000
Crawford, Arkansas 3 $ 235,000 $ 78,333 $ 58,000
LaSalle, Illinois 3 $ 215,000 $ 71,666 $ 97,000
Lake, Indiana 3 $ 365,000 $ 121,666 $ 141,000
Muscatine, Iowa 3 $ 455,000 $ 151,666 $ 82,000
Pottawattamie, Iowa 3 $ 445,000 $ 148,333 $ 179,000
Poweshiek, Iowa 3 $ 475,000 $ 158,333 $ 76,000
Story, Iowa 3 $ 1,215,000 $ 405,000 $ 139,000
Wapello, Iowa 3 $ 455,000 $ 151,666 $ 176,000
Winneshiek, Iowa 3 $ 145,000 $ 48,333 $ 108,000
Worth, Iowa 3 $ 55,000 $ 18,333 $ 77,000
Knox, Maine 3 $ 685,000 $ 228,333 $ 100,000
Wayne, Michigan 3 $ 375,000 $ 125,000 $ 64,000
Manitowoc, Wisconsin 3 $ 1,115,000 $ 371,666 $ 177,000
Lee, Florida 2 $ 790,000 $ 395,000 $ 177,000
Volusia, Florida 2 $ 130,000 $ 65,000 $ 125,000
Meriwether, Georgia 2 $ 300,000 $ 150,000 $ 117,000
Kane, Illinois 2 $ 70,000 $ 35,000 $ 97,000
Mason, Illinois 2 $ 160,000 $ 80,000 $ 63,000
Buena Vista, Iowa 2 $ 190,000 $ 95,000 $ 97,000
Floyd, Iowa 2 $ 130,000 $ 65,000 $ 69,000
Hardin, Iowa 2 $ 170,000 $ 85,000 $ 93,000
Keokuk, Iowa 2 $ 100,000 $ 50,000 $ 68,000
Lee, Iowa 2 $ 60,000 $ 30,000 $ 75,000
Marion, Iowa 2 $ 160,000 $ 80,000 $ 80,000
Mitchell, Iowa 2 $ 330,000 $ 165,000 $ 84,000
Webster, Iowa 2 $ 140,000 $ 70,000 $ 157,000
Woodbury, Iowa 2 $ 180,000 $ 90,000 $ 86,000
Wright, Iowa 2 $ 120,000 $ 60,000 $ 59,000
Laurel, Kentucky 2 $ 290,000 $ 145,000 $ 96,000
Olmsted, Minnesota 2 $ 380,000 $ 190,000 $ 181,000
Washington, Minnesota 2 $ 190,000 $ 95,000 $ 170,000
Clay, Missouri 2 $ 160,000 $ 80,000 $ 59,000
Morgan, Missouri 2 $ 240,000 $ 120,000 $ 115,000
Alamance, North Carolina 2 $ 860,000 $ 430,000 $ 218,000
Dodge, Wisconsin 2 $ 700,000 $ 350,000 $ 156,000
Ozaukee, Wisconsin 2 $ 90,000 $ 45,000 $ 98,000
Sheboygan, Wisconsin 2 $ 360,000 $ 180,000 $ 66,000
Walworth, Wisconsin 2 $ 880,000 $ 440,000 $ 256,000
Washington, Wisconsin 2 $ 700,000 $ 350,000 $ 185,000
Pima, Arizona 1 $ 85,000 $ 85,000 $ 127,000
Adams, Colorado 1 $ 55,000 $ 55,000 $ 134,000
Bay, Florida 1 $ 345,000 $ 345,000 $ 192,000
Collier, Florida 1 $ 1,225,000 $ 1,225,000 $ 0
Lake, Florida 1 $ 125,000 $ 125,000 $ 168,000
Pinellas, Florida 1 $ 325,000 $ 325,000 $ 133,000
Sarasota, Florida 1 $ 25,000 $ 25,000 $ 158,000
Sumter, Florida 1 $ 85,000 $ 85,000 $ 142,000
Walton, Florida 1 $ 155,000 $ 155,000 $ 0
Jasper, Georgia 1 $ 145,000 $ 145,000 $ 54,000
Adams, Illinois 1 $ 175,000 $ 175,000 $ 134,000
Boone, Illinois 1 $ 125,000 $ 125,000 $ 70,000
DuPage, Illinois 1 $ 115,000 $ 115,000 $ 335,000
Fulton, Illinois 1 $ 25,000 $ 25,000 $ 55,000
Hancock, Illinois 1 $ 35,000 $ 35,000 $ 106,000
Henderson, Illinois 1 $ 65,000 $ 65,000 $ 47,000
Henry, Illinois 1 $ 5,000 $ 5,000 $ 32,000
Kankakee, Illinois 1 $ 95,000 $ 95,000 $ 149,000
Knox, Illinois 1 $ 175,000 $ 175,000 $ 161,000
Macon, Illinois 1 $ 75,000 $ 75,000 $ 93,000
Mercer, Illinois 1 $ 145,000 $ 145,000 $ 68,000
Monroe, Illinois 1 $ 145,000 $ 145,000 $ 82,000
Ogle, Illinois 1 $ 225,000 $ 225,000 $ 94,000
Peoria, Illinois 1 $ 85,000 $ 85,000 $ 63,000
Vermilion, Illinois 1 $ 15,000 $ 15,000 $ 0
Appanoose, Iowa 1 $ 225,000 $ 225,000 $ 158,000
Chickasaw, Iowa 1 $ 305,000 $ 305,000 $ 58,000
Decatur, Iowa 1 $ 155,000 $ 155,000 $ 87,000
Howard, Iowa 1 $ 25,000 $ 25,000 $ 52,000
Mahaska, Iowa 1 $ 105,000 $ 105,000 $ 54,000
Marshall, Iowa 1 $ 55,000 $ 55,000 $ 49,000
Montgomery, Iowa 1 $ 55,000 $ 55,000 $ 177,000
Shelby, Iowa 1 $ 45,000 $ 45,000 $ 79,000
Sioux, Iowa 1 $ 85,000 $ 85,000 $ 197,000
Barren, Kentucky 1 $ 15,000 $ 15,000 $ 66,000
Shelby, Kentucky 1 $ 35,000 $ 35,000 $ 145,000
Anne Arundel, Maryland 1 $ 275,000 $ 275,000 $ 431,000
Allegan, Michigan 1 $ 385,000 $ 385,000 $ 197,000
Dakota, Minnesota 1 $ 185,000 $ 185,000 $ 450,000
Faribault, Minnesota 1 $ 55,000 $ 55,000 $ 0
Itasca, Minnesota 1 $ 485,000 $ 485,000 $ 291,000
McLeod, Minnesota 1 $ 25,000 $ 25,000 $ 60,000
Meeker, Minnesota 1 $ 155,000 $ 155,000 $ 227,000
Mower, Minnesota 1 $ 5,000 $ 5,000 $ 44,000
Ramsey, Minnesota 1 $ 25,000 $ 25,000 $ 95,000
St. Louis, Minnesota 1 $ 5,000 $ 5,000 $ 40,000
Waseca, Minnesota 1 $ 45,000 $ 45,000 $ 70,000
Winona, Minnesota 1 $ 505,000 $ 505,000 $ 150,000
Harrison, Mississippi 1 $ 205,000 $ 205,000 $ 86,000
Jasper, Mississippi 1 $ 335,000 $ 335,000 $ 174,000
Cole, Missouri 1 $ 215,000 $ 215,000 $ 93,000
Greene, Missouri 1 $ 25,000 $ 25,000 $ 118,000
Jackson, Missouri 1 $ 15,000 $ 15,000 $ 76,000
Miller, Missouri 1 $ 55,000 $ 55,000 $ 120,000
Fillmore, Nebraska 1 $ 5,000 $ 5,000 $ 42,000
Caldwell, North Carolina 1 $ 105,000 $ 105,000 $ 472,000
Durham, North Carolina 1 $ 95,000 $ 95,000 $ 165,000
Guilford, North Carolina 1 $ 515,000 $ 515,000 $ 220,000
Hamilton, Ohio 1 $ 35,000 $ 35,000 $ 85,000
Multnomah, Oregon 1 $ 15,000 $ 15,000 $ 66,000
Bucks, Pennsylvania 1 $ 405,000 $ 405,000 $ 80,000
Lancaster, South Carolina 1 $ 105,000 $ 105,000 $ 78,000
Gibson, Tennessee 1 $ 215,000 $ 215,000 $ 52,000
Shelby, Tennessee 1 $ 435,000 $ 435,000 $ 199,000
Wilson, Tennessee 1 $ 205,000 $ 205,000 $ 138,000
Harris, Texas 1 $ 55,000 $ 55,000 $ 50,000
Kaufman, Texas 1 $ 105,000 $ 105,000 $ 480,000
Albemarle, Virginia 1 $ 105,000 $ 105,000 $ 746,000
Chippewa, Wisconsin 1 $ 365,000 $ 365,000 $ 113,000
Iron, Wisconsin 1 $ 255,000 $ 255,000 $ 76,000
Jackson, Wisconsin 1 $ 75,000 $ 75,000 $ 119,000
Jefferson, Wisconsin 1 $ 5,000 $ 5,000 $ 32,000
Juneau, Wisconsin 1 $ 235,000 $ 235,000 $ 99,000
Kenosha, Wisconsin 1 $ 195,000 $ 195,000 $ 55,000
Marquette, Wisconsin 1 $ 205,000 $ 205,000 $ 78,000
Taylor, Wisconsin 1 $ 35,000 $ 35,000 $ 92,000
Vernon, Wisconsin 1 $ 105,000 $ 105,000 $ 59,000
Vilas, Wisconsin 1 $ 205,000 $ 205,000 $ 164,000
Washburn, Wisconsin 1 $ 155,000 $ 155,000 $ 161,000
Winnebago, Wisconsin 1 $ 215,000 $ 215,000 $ 101,000
Fremont, Wyoming 1 $ 245,000 $ 245,000 $ 71,000

Mortgage Loan Application Detail Totals for Dupaco Community Credit Union in 2024

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 2,173 $135,435,000 $62,000 $525,000 $113,000 $9,360,000
Home Purchase 966 $218,750,000 $226,000 $8,155,000 $95,000 $575,000
Cash-out Refinancing 248 $41,630,000 $167,000 $865,000 $87,000 $400,000
Refinancing 145 $24,365,000 $168,000 $1,165,000 $80,000 $400,000
Home Improvement 55 $4,265,000 $77,000 $265,000 $125,000 $422,000
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 3,068 $345,790,000 $112,000 $1,165,000 $102,000 $4,576,000
Not Provided 226 $24,160,000 $106,000 $815,000 $161,000 $9,360,000
Hispanic 87 $10,185,000 $117,000 $625,000 $99,000 $1,213,000
Not applicable 85 $30,975,000 $364,000 $8,155,000 $0 $0
Black or African American 76 $4,980,000 $65,000 $395,000 $72,000 $231,000
Asian 32 $5,550,000 $173,000 $505,000 $111,000 $450,000
American Indian or Alaskan Native 8 $2,050,000 $256,000 $705,000 $74,000 $225,000
Native Hawaiian or Other Pacific Islander 5 $755,000 $151,000 $505,000 $598,000 $2,704,000

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) 3,587 $424,445,000 $118,000 $8,155,000 $105,000 $9,360,000
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
VA-guaranteed (Veterans Administration) 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 2,580 $319,820,000 $123,000 $1,225,000 $104,000 $1,330,000
Application Denied By Financial Institution 692 $53,910,000 $77,000 $505,000 $107,000 $9,360,000
Application Withdrawn By Applicant 243 $40,235,000 $165,000 $8,155,000 $117,000 $2,704,000
Application Approved But Not Accepted 72 $10,480,000 $145,000 $2,855,000 $99,000 $350,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 2,895 $370,535,000 $127,000 $8,155,000 $105,000 $2,704,000
Credit History 378 $24,360,000 $64,000 $505,000 $93,000 $3,120,000
Debt-To-Income Ratio 142 $15,590,000 $109,000 $505,000 $66,000 $210,000
Credit Application Incomplete 68 $3,520,000 $51,000 $255,000 $155,000 $4,576,000
Collateral 37 $4,225,000 $114,000 $305,000 $105,000 $480,000
Unverifiable Information 30 $3,280,000 $109,000 $385,000 $406,000 $9,360,000
Other 27 $1,695,000 $62,000 $145,000 $86,000 $214,000
Employment History 7 $765,000 $109,000 $255,000 $52,000 $132,000
Insufficient Cash (Downpayment, Closing Cost) 3 $475,000 $158,000 $215,000 $59,000 $69,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Dupaco Community Credit Union's 2024 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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