Top Mortgage Lenders in Dubuque, IA

Which mortgage lender in the Dubuque, IA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Dubuque, IA area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Dubuque, IA area in terms of interest rate is Dupaco Community Credit Union, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Dupaco Community Credit Union provided a -0.09% lower interest rate for its customers than other lenders in the area. Dupaco Community Credit Union has a market share of 35.1%. It is the most popular lender in the Dubuque, IA area.

Our detailed ranking of mortgage lenders in the Dubuque, IA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Dubuque, IA is Dupaco Community Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is US Bank. The cheapest VA mortgage provider is GreenState Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Dubuque, IA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.09%(4.0)35.10%
Fidelity Bank & Trust-0.01%(3.5)6.41%
Iowa Bankers Mortgage Corporation-0.00%(3.5)15.91%
MidWestOne Bank0.01%(3.5)14.01%
Ascentra Credit Union0.02%(3.5)2.22%
Collins Community Credit Union0.03%(3.5)3.56%
GreenState Credit Union0.03%(3.5)2.81%
Ruhl Mortgage0.04%(3.5)2.14%
Homeside Financial0.06%(3.0)1.90%
Guild Mortgage Company0.08%(3.0)1.31%
US Bank0.12%(3.0)5.94%
New American Funding0.15%(2.5)3.28%
Quicken Loans0.23%(2.5)5.42%
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.08%(4.0)33.36%
GreenState Credit Union-0.01%(3.5)3.12%
MidWestOne Bank0.01%(3.5)15.08%
Fidelity Bank & Trust0.02%(3.5)4.53%
Iowa Bankers Mortgage Corporation0.02%(3.5)15.30%
US Bank0.03%(3.5)6.91%
Ruhl Mortgage0.04%(3.5)3.49%
Ascentra Credit Union0.05%(3.0)1.93%
Collins Community Credit Union0.05%(3.0)3.79%
Homeside Financial0.06%(3.0)3.12%
Guild Mortgage Company0.08%(3.0)1.71%
Quicken Loans0.16%(2.5)3.34%
New American Funding0.16%(2.5)4.31%
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.10%(4.0)37.09%
Iowa Bankers Mortgage Corporation-0.03%(3.5)16.60%
Fidelity Bank & Trust-0.02%(3.5)8.55%
Ascentra Credit Union-0.01%(3.5)2.54%
Collins Community Credit Union-0.01%(3.5)3.30%
MidWestOne Bank0.02%(3.5)12.79%
Ruhl Mortgage0.05%(3.5)0.59%
Homeside Financial0.07%(3.0)0.51%
Guild Mortgage Company0.08%(3.0)0.85%
GreenState Credit Union0.10%(3.0)2.46%
New American Funding0.12%(3.0)2.12%
Quicken Loans0.26%(2.0)7.79%
US Bank0.27%(2.0)4.83%
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.08%(4.0)38.37%
Fidelity Bank & Trust-0.01%(3.5)7.03%
Iowa Bankers Mortgage Corporation0.00%(3.5)16.93%
MidWestOne Bank0.02%(3.5)15.32%
Ascentra Credit Union0.02%(3.5)2.43%
Collins Community Credit Union0.03%(3.5)3.69%
GreenState Credit Union0.04%(3.5)2.86%
Ruhl Mortgage0.07%(3.0)1.82%
Guild Mortgage Company0.09%(3.0)1.09%
Homeside Financial0.13%(3.0)0.91%
US Bank0.18%(2.5)4.90%
New American Funding0.18%(2.5)1.43%
Quicken Loans0.38%(1.5)3.21%
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.07%(4.0)37.57%
GreenState Credit Union-0.01%(3.5)3.10%
MidWestOne Bank0.01%(3.5)16.90%
Fidelity Bank & Trust0.02%(3.5)5.10%
Iowa Bankers Mortgage Corporation0.02%(3.5)16.40%
Ascentra Credit Union0.06%(3.0)2.18%
Collins Community Credit Union0.06%(3.0)4.02%
Ruhl Mortgage0.07%(3.0)2.93%
US Bank0.09%(3.0)5.27%
Guild Mortgage Company0.09%(3.0)1.42%
Homeside Financial0.13%(3.0)1.67%
New American Funding0.20%(2.5)1.42%
Quicken Loans0.25%(2.5)2.01%
Lender NameRate DifferenceRate RatingMarket Share
Dupaco Community Credit Union-0.09%(4.0)39.22%
Iowa Bankers Mortgage Corporation-0.02%(3.5)17.49%
Fidelity Bank & Trust-0.02%(3.5)9.11%
Collins Community Credit Union-0.01%(3.5)3.34%
Ascentra Credit Union-0.01%(3.5)2.71%
MidWestOne Bank0.02%(3.5)13.62%
Ruhl Mortgage0.05%(3.0)0.63%
Homeside Financial0.09%(3.0)0.09%
Guild Mortgage Company0.10%(3.0)0.72%
GreenState Credit Union0.10%(3.0)2.61%
New American Funding0.16%(2.5)1.44%
US Bank0.30%(2.0)4.51%
Quicken Loans0.45%(1.0)4.51%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.12%(4.0)16.89%
Ruhl Mortgage-0.06%(4.0)8.11%
Iowa Bankers Mortgage Corporation-0.04%(3.5)3.38%
Homeside Financial-0.02%(3.5)15.54%
Quicken Loans-0.00%(3.5)31.76%
New American Funding0.12%(3.0)24.32%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.14%(4.0)21.57%
Ruhl Mortgage-0.06%(4.0)11.76%
Iowa Bankers Mortgage Corporation-0.06%(4.0)3.92%
Homeside Financial-0.03%(3.5)17.65%
Quicken Loans0.02%(3.5)14.71%
New American Funding0.14%(3.0)30.39%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)69.57%
Iowa Bankers Mortgage Corporation0.00%(3.5)2.17%
New American Funding0.02%(3.5)10.87%
US Bank0.02%(3.5)6.52%
Homeside Financial0.03%(3.5)10.87%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)50.00%
Dupaco Community Credit Union0.01%(3.5)37.50%
MidWestOne Bank0.01%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.00%(3.5)50.00%
MidWestOne Bank0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)50.00%
Dupaco Community Credit Union0.01%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
GreenState Credit Union-0.07%(4.0)7.46%
Collins Community Credit Union-0.04%(3.5)7.46%
Homeside Financial-0.03%(3.5)5.97%
Iowa Bankers Mortgage Corporation-0.02%(3.5)10.45%
US Bank-0.02%(3.5)11.94%
Guild Mortgage Company-0.01%(3.5)11.94%
New American Funding0.03%(3.5)20.90%
Quicken Loans0.04%(3.5)23.88%
Lender NameRate DifferenceRate RatingMarket Share
GreenState Credit Union-0.06%(4.0)10.64%
Collins Community Credit Union-0.04%(3.5)6.38%
Homeside Financial-0.02%(3.5)8.51%
US Bank-0.02%(3.5)14.89%
Iowa Bankers Mortgage Corporation-0.02%(3.5)12.77%
Guild Mortgage Company0.00%(3.5)12.77%
Quicken Loans0.05%(3.5)12.77%
New American Funding0.05%(3.5)21.28%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.04%(3.5)10.00%
Collins Community Credit Union-0.03%(3.5)10.00%
New American Funding-0.02%(3.5)20.00%
Iowa Bankers Mortgage Corporation-0.02%(3.5)5.00%
US Bank-0.01%(3.5)5.00%
Quicken Loans0.03%(3.5)50.00%

* Data is compiled for the Dubuque, IA commuting zone area, which comprises of counties of Jo Daviess County, IL, Clinton County, IA, Delaware County, IA, Dubuque County, IA, and Jackson County, IA. This includes cities/towns/communities of Dubuque, IA as well as Asbury, IA, Clinton, IA, De Witt, IA, Cascade, IA, Dyersville, IA, Bankston, IA, Menominee, IL, The Galena Territory, IL, Sageville, IA, Hopkinton, IA, Galena, IL, Camanche, IA, Wheatland, IA, Maquoketa, IA, Manchester, IA, Apple Canyon Lake, IL, Earlville, IA, Andrew, IA, Bellevue, IA, Edgewood, IA, Delmar, IA, Hanover, IL, Zwingle, IA, Spragueville, IA, and Stockton, IL. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Dubuque, IA area. For mortgage lender rankings in other cities, click here.