A home buyers' credit union
Purchases were 77.7% of its loans. It made 274, up 14% from 240. That was higher than at about six in ten similar lenders (credit unions making between half and twice as many loans), which typically grew by 6%.
Applications / Mortgage Analytics / Lenders / Iowa / DuTrac Community Credit Union
DuTrac Community Credit Union
Dubuque, IA · Credit union · NCUA · $1.2 billion assets · 274 loans in 2025
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274
loans originated, 2025
316
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
DuTrac Community Credit Union lends mostly to home buyers, and in 2025 it grew faster than most similar lenders and gained ground in Dubuque, IA.
Up in Dubuque, down in Davenport
In Dubuque, IA its share rose from 3.0% to 3.8%, ranking 5 of 114, behind lenders including Dupaco Community Credit Union and MidWestOne Bank. In Davenport-Moline-Rock Island its share slipped from 2.4% to 2.2%. A few loans going elsewhere, or growth centered on Dubuque, could explain the small fall.
Lower rates
Its typical rate, 6.00%, was lower than at about six in seven similar lenders, where it was 6.88%. None of its loans were higher-priced (a rate well above the average for similar loans). It denied 3.0% of first-lien home-purchase applications, against 7.7% at the typical similar lender.
Few loans in majority-minority areas
Only 1.5% of its loans were in majority-minority neighborhoods, lower than at about four in five similar lenders. Its lending sits in Dubuque, Davenport and non-metro Iowa, whose make-up may account for much of this. Its shares to low- and moderate-income borrowers and neighborhoods are near the middle.
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
274 loans in 2025, against a peak of 537 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. DuTrac Community Credit Union took 316 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 77.7% · Refinance 20.1% · Home improvement 2.2%
Conventional 100.0% · of 274 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
3 states, 4 metros, 26 counties
| State | Loans | Share |
|---|---|---|
| Iowa | 222 | 81.0% |
| Illinois | 45 | 16.4% |
| Wisconsin | 7 | 2.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 117 |
| Dubuque | 93 |
| Cedar Rapids | 9 |
| Des Moines-West Des Moines | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LIEBWBUKVDWP33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 362098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564471 | 1990–2017 |
Established 1 January 1946. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: DuTrac Community Credit Union's data.
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