Dubuque County
Iowa · FIPS 19061
According to CFPB HMDA 2024 application volume among U.S. counties, Dubuque County ranks #651 of 3,223, and #8 of 99 in Iowa.
Mortgage lending activity in Dubuque County, Iowa based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Dubuque County, Iowa lenders denied 473 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Dubuque County
In Dubuque County, lead originator Dupaco Community Credit Union funded 40.2% of 2,468 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 62.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Dubuque County's 3,587 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Dubuque County's $162,669 average loan (deduped against volume peers).
Lenders active in Dubuque County
Dupaco Community Credit Union funded 992 of the 2,468 loans originated in Dubuque County, 40.2% of the county. 101 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Dubuque County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Dubuque County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.