Applications / Mortgage Analytics / Lenders / Iowa / Dupaco Community Credit Union
Dubuque, IA · Credit union · NCUA · $3.6 billion assets · 2,783 loans in 2025
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2,783
loans originated, 2025
3,715
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dupaco Community Credit Union ranks 1 of 114 in its home market of Dubuque, with 25.7% of loan dollars, and low- and moderate-income borrowers take a larger share of its loans than at about nineteen in twenty similar credit unions.
Its share fell to 25.7% from 31.2%, still well ahead of MidWestOne Bank in second place. In a market of $502.8M, a few large loans by others could move shares that far. It gained elsewhere in its region: to 2.4% from 1.9% in Cedar Rapids and to 0.6% from 0.4% in Madison.
Other purposes made up 56.7% of its loans, purchases 30.5% and refinancing 11.3%. Its typical loan was $85,000 against $115,000, lower than about nine in ten similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. LMI (low- and moderate-income) borrowers took 41.7% of its loans against 27.5%. Loans in LMI areas were 10.0% against 14.7%, and in majority-minority areas 1.3% against 10.3%, both lower than about nine in ten; its largest markets, Dubuque and non-metro Iowa and Wisconsin, could have few such areas.
Originations rose 8% to 2,783, against 9% for similar lenders and 10% for the whole market, after peaking at 4,422 in 2021.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dupaco Community Credit Union took 3,715 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 56.7% · Purchase 30.5% · Refinance 11.3% · Home improvement 1.4%
Conventional 100.0% · of 2,783 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 1,990 | 71.5% |
| Wisconsin | 545 | 19.6% |
| Illinois | 183 | 6.6% |
| Minnesota | 16 | 0.6% |
| Florida | 9 | 0.3% |
| Missouri | 9 | 0.3% |
| Arizona | 4 | 0.1% |
| Washington | 4 | 0.1% |
| California | 2 | 0.1% |
| Colorado | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dubuque | 948 |
| Cedar Rapids | 336 |
| Madison | 146 |
| Waterloo-Cedar Falls | 137 |
| Des Moines-West Des Moines | 101 |
| Iowa City | 27 |
| Davenport-Moline-Rock Island | 15 |
| Ames | 7 |
| Janesville-Beloit | 7 |
| Milwaukee-Waukesha | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UXTDELQS5SLF91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 305693 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564049 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dupaco Community Credit Union's data.
Dupaco Community Credit Union's data
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