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. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.09% | 35.10% | |
| Fidelity Bank & Trust | -0.01% | 6.41% | |
| Iowa Bankers Mortgage Corporation | -0.00% | 15.91% | |
| MidWestOne Bank | 0.01% | 14.01% | |
| Ascentra Credit Union | 0.02% | 2.22% | |
| Collins Community Credit Union | 0.03% | 3.56% | |
| GreenState Credit Union | 0.03% | 2.81% | |
| Ruhl Mortgage | 0.04% | 2.14% | |
| Homeside Financial | 0.06% | 1.90% | |
| Guild Mortgage Company | 0.08% | 1.31% | |
| US Bank | 0.12% | 5.94% | |
| New American Funding | 0.15% | 3.28% | |
| Quicken Loans | 0.23% | 5.42% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.08% | 33.36% | |
| GreenState Credit Union | -0.01% | 3.12% | |
| MidWestOne Bank | 0.01% | 15.08% | |
| Fidelity Bank & Trust | 0.02% | 4.53% | |
| Iowa Bankers Mortgage Corporation | 0.02% | 15.30% | |
| US Bank | 0.03% | 6.91% | |
| Ruhl Mortgage | 0.04% | 3.49% | |
| Ascentra Credit Union | 0.05% | 1.93% | |
| Collins Community Credit Union | 0.05% | 3.79% | |
| Homeside Financial | 0.06% | 3.12% | |
| Guild Mortgage Company | 0.08% | 1.71% | |
| Quicken Loans | 0.16% | 3.34% | |
| New American Funding | 0.16% | 4.31% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.10% | 37.09% | |
| Iowa Bankers Mortgage Corporation | -0.03% | 16.60% | |
| Fidelity Bank & Trust | -0.02% | 8.55% | |
| Ascentra Credit Union | -0.01% | 2.54% | |
| Collins Community Credit Union | -0.01% | 3.30% | |
| MidWestOne Bank | 0.02% | 12.79% | |
| Ruhl Mortgage | 0.05% | 0.59% | |
| Homeside Financial | 0.07% | 0.51% | |
| Guild Mortgage Company | 0.08% | 0.85% | |
| GreenState Credit Union | 0.10% | 2.46% | |
| New American Funding | 0.12% | 2.12% | |
| Quicken Loans | 0.26% | 7.79% | |
| US Bank | 0.27% | 4.83% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.08% | 38.37% | |
| Fidelity Bank & Trust | -0.01% | 7.03% | |
| Iowa Bankers Mortgage Corporation | 0.00% | 16.93% | |
| MidWestOne Bank | 0.02% | 15.32% | |
| Ascentra Credit Union | 0.02% | 2.43% | |
| Collins Community Credit Union | 0.03% | 3.69% | |
| GreenState Credit Union | 0.04% | 2.86% | |
| Ruhl Mortgage | 0.07% | 1.82% | |
| Guild Mortgage Company | 0.09% | 1.09% | |
| Homeside Financial | 0.13% | 0.91% | |
| US Bank | 0.18% | 4.90% | |
| New American Funding | 0.18% | 1.43% | |
| Quicken Loans | 0.38% | 3.21% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.07% | 37.57% | |
| GreenState Credit Union | -0.01% | 3.10% | |
| MidWestOne Bank | 0.01% | 16.90% | |
| Fidelity Bank & Trust | 0.02% | 5.10% | |
| Iowa Bankers Mortgage Corporation | 0.02% | 16.40% | |
| Ascentra Credit Union | 0.06% | 2.18% | |
| Collins Community Credit Union | 0.06% | 4.02% | |
| Ruhl Mortgage | 0.07% | 2.93% | |
| US Bank | 0.09% | 5.27% | |
| Guild Mortgage Company | 0.09% | 1.42% | |
| Homeside Financial | 0.13% | 1.67% | |
| New American Funding | 0.20% | 1.42% | |
| Quicken Loans | 0.25% | 2.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Dupaco Community Credit Union | -0.09% | 39.22% | |
| Iowa Bankers Mortgage Corporation | -0.02% | 17.49% | |
| Fidelity Bank & Trust | -0.02% | 9.11% | |
| Collins Community Credit Union | -0.01% | 3.34% | |
| Ascentra Credit Union | -0.01% | 2.71% | |
| MidWestOne Bank | 0.02% | 13.62% | |
| Ruhl Mortgage | 0.05% | 0.63% | |
| Homeside Financial | 0.09% | 0.09% | |
| Guild Mortgage Company | 0.10% | 0.72% | |
| GreenState Credit Union | 0.10% | 2.61% | |
| New American Funding | 0.16% | 1.44% | |
| US Bank | 0.30% | 4.51% | |
| Quicken Loans | 0.45% | 4.51% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.12% | 16.89% | |
| Ruhl Mortgage | -0.06% | 8.11% | |
| Iowa Bankers Mortgage Corporation | -0.04% | 3.38% | |
| Homeside Financial | -0.02% | 15.54% | |
| Quicken Loans | -0.00% | 31.76% | |
| New American Funding | 0.12% | 24.32% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.14% | 21.57% | |
| Ruhl Mortgage | -0.06% | 11.76% | |
| Iowa Bankers Mortgage Corporation | -0.06% | 3.92% | |
| Homeside Financial | -0.03% | 17.65% | |
| Quicken Loans | 0.02% | 14.71% | |
| New American Funding | 0.14% | 30.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 69.57% | |
| Iowa Bankers Mortgage Corporation | 0.00% | 2.17% | |
| New American Funding | 0.02% | 10.87% | |
| US Bank | 0.02% | 6.52% | |
| Homeside Financial | 0.03% | 10.87% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 50.00% | |
| Dupaco Community Credit Union | 0.01% | 37.50% | |
| MidWestOne Bank | 0.01% | 12.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.00% | 50.00% | |
| MidWestOne Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 50.00% | |
| Dupaco Community Credit Union | 0.01% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| GreenState Credit Union | -0.07% | 7.46% | |
| Collins Community Credit Union | -0.04% | 7.46% | |
| Homeside Financial | -0.03% | 5.97% | |
| Iowa Bankers Mortgage Corporation | -0.02% | 10.45% | |
| US Bank | -0.02% | 11.94% | |
| Guild Mortgage Company | -0.01% | 11.94% | |
| New American Funding | 0.03% | 20.90% | |
| Quicken Loans | 0.04% | 23.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| GreenState Credit Union | -0.06% | 10.64% | |
| Collins Community Credit Union | -0.04% | 6.38% | |
| Homeside Financial | -0.02% | 8.51% | |
| US Bank | -0.02% | 14.89% | |
| Iowa Bankers Mortgage Corporation | -0.02% | 12.77% | |
| Guild Mortgage Company | 0.00% | 12.77% | |
| Quicken Loans | 0.05% | 12.77% | |
| New American Funding | 0.05% | 21.28% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.04% | 10.00% | |
| Collins Community Credit Union | -0.03% | 10.00% | |
| New American Funding | -0.02% | 20.00% | |
| Iowa Bankers Mortgage Corporation | -0.02% | 5.00% | |
| US Bank | -0.01% | 5.00% | |
| Quicken Loans | 0.03% | 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
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