PlainLender
2024 data HMDA 2024 disclosure official source

Dubuque County

3,587 mortgage applications, 13.2% denial rate. Verify FIPS 19061 with U.S. Census Bureau →

PlainLender home → About this data

Iowa · FIPS 19061

Local mortgage market. Dubuque County, Iowa saw 3,587 HMDA-reported mortgage applications in 2024. Lenders originated 2,468 of those loans and denied 473, producing a denial rate of 13.2% and an approval (origination) rate of 68.8%. The average loan amount was $162,669 at an average note rate of 7.18%, with applicants self-reporting average annual income of $35K. 101 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 19061 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,587
Applications
2,468
Originated
13.2%
Denial Rate
68.8%
Approval Rate
$162,669
Avg Loan Amount
7.18%
Avg Interest Rate
$35K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Dubuque County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Dupaco Community Credit Union 992 40.2%
2 Midwestone Bank 273 11.1%
3 Greenstate Credit Union 269 10.9%
4 Fidelity Bank & Trust 205 8.3%
5 Dutrac Community Credit Union 74 3.0%
Compare Dupaco Community Credit Union vs Midwestone Bank →

Frequently Asked Questions

How many mortgage applications were filed in Dubuque County?
In the 2024 HMDA reporting year, 3,587 mortgage applications were filed in Dubuque County, Iowa. Of these, 2,468 were originated (approved and funded), while 473 were denied, resulting in a denial rate of 13.2%.
What is the mortgage denial rate in Dubuque County?
The mortgage denial rate in Dubuque County is 13.2%. The approval (origination) rate is 68.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dubuque County?
The average mortgage loan amount in Dubuque County is $162,669. The average interest rate is 7.176%. The average applicant income is $35K.
What is the loan-to-income ratio in Dubuque County?
The average loan-to-income ratio in Dubuque County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dubuque County?
The top mortgage lenders in Dubuque County by origination volume are Dupaco Community Credit Union, Midwestone Bank, Greenstate Credit Union. In total, 101 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.