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, we provide a data driven ranking of mortgage lenders in the Dubuque, IA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Dubuque, IA area is Dupaco Community Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Dupaco Community Credit Union provided a -0.09% lower interest rate for its customers than other lenders in Dubuque, IA for a similar set of borrowers. Dupaco Community Credit Union has a market share of 35.1%. It is the most popular lender in the area.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Dubuque, IA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.09% 35.07%
Fidelity Bank & Trust 2, -0.01% 6.41%
Iowa Bankers Mortgage Corporation 3, -0.00% 15.90%
Midwestone Bank 4, 0.01% 14.00%
Ascentra Credit Union 5, 0.02% 2.21%
Collins Community Credit Union 6, 0.03% 3.56%
GreenState Credit Union 7, 0.03% 2.81%
Ruhl Mortgage 8, 0.04% 2.14%
Homeside Financial 9, 0.06% 1.90%
Guild Mortgage Company 10, 0.08% 1.30%
Us Bank 11, 0.12% 5.97%
New American Funding 12, 0.15% 3.28%
Quicken Loans 13, 0.23% 5.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.08% 33.33%
GreenState Credit Union 2, -0.01% 3.12%
Midwestone Bank 3, 0.01% 15.07%
Fidelity Bank & Trust 4, 0.02% 4.53%
Iowa Bankers Mortgage Corporation 5, 0.02% 15.29%
Us Bank 6, 0.03% 6.98%
Ruhl Mortgage 7, 0.04% 3.49%
Ascentra Credit Union 8, 0.05% 1.93%
Collins Community Credit Union 9, 0.05% 3.79%
Homeside Financial 10, 0.06% 3.12%
Guild Mortgage Company 11, 0.08% 1.71%
Quicken Loans 12, 0.16% 3.34%
New American Funding 13, 0.16% 4.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.10% 37.06%
Iowa Bankers Mortgage Corporation 2, -0.03% 16.58%
Fidelity Bank & Trust 3, -0.02% 8.54%
Ascentra Credit Union 4, -0.01% 2.54%
Collins Community Credit Union 5, -0.01% 3.30%
Midwestone Bank 6, 0.02% 12.77%
Ruhl Mortgage 7, 0.05% 0.59%
Homeside Financial 8, 0.07% 0.51%
Guild Mortgage Company 9, 0.08% 0.85%
GreenState Credit Union 10, 0.10% 2.45%
New American Funding 11, 0.12% 2.12%
Us Bank 12, 0.27% 4.82%
Quicken Loans 13, 0.27% 7.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.08% 38.35%
Fidelity Bank & Trust 2, -0.01% 7.03%
Iowa Bankers Mortgage Corporation 3, -0.00% 16.92%
Midwestone Bank 4, 0.02% 15.31%
Ascentra Credit Union 5, 0.02% 2.43%
Collins Community Credit Union 6, 0.03% 3.69%
GreenState Credit Union 7, 0.04% 2.86%
Ruhl Mortgage 8, 0.07% 1.82%
Guild Mortgage Company 9, 0.09% 1.08%
Homeside Financial 10, 0.13% 0.91%
Us Bank 11, 0.18% 4.90%
New American Funding 12, 0.18% 1.43%
Quicken Loans 13, 0.39% 3.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.07% 37.57%
GreenState Credit Union 2, -0.01% 3.10%
Midwestone Bank 3, 0.01% 16.90%
Fidelity Bank & Trust 4, 0.02% 5.10%
Iowa Bankers Mortgage Corporation 5, 0.02% 16.40%
Ascentra Credit Union 6, 0.06% 2.18%
Collins Community Credit Union 7, 0.06% 4.02%
Ruhl Mortgage 8, 0.07% 2.93%
Us Bank 9, 0.09% 5.27%
Guild Mortgage Company 10, 0.09% 1.42%
Homeside Financial 11, 0.13% 1.67%
New American Funding 12, 0.20% 1.42%
Quicken Loans 13, 0.25% 2.01%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Dupaco Community Credit Union 1, -0.09% 39.19%
Iowa Bankers Mortgage Corporation 2, -0.02% 17.48%
Fidelity Bank & Trust 3, -0.02% 9.10%
Collins Community Credit Union 4, -0.01% 3.33%
Ascentra Credit Union 5, -0.01% 2.70%
Midwestone Bank 6, 0.02% 13.60%
Ruhl Mortgage 7, 0.05% 0.63%
Homeside Financial 8, 0.09% 0.09%
Guild Mortgage Company 9, 0.10% 0.72%
GreenState Credit Union 10, 0.10% 2.61%
New American Funding 11, 0.16% 1.44%
Us Bank 12, 0.30% 4.50%
Quicken Loans 13, 0.45% 4.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.12% 16.89%
Ruhl Mortgage 2, -0.06% 8.11%
Iowa Bankers Mortgage Corporation 3, -0.04% 3.38%
Homeside Financial 4, -0.02% 15.54%
Quicken Loans 5, -0.00% 31.76%
New American Funding 6, 0.12% 24.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.14% 21.57%
Ruhl Mortgage 2, -0.06% 11.76%
Iowa Bankers Mortgage Corporation 3, -0.06% 3.92%
Homeside Financial 4, -0.03% 17.65%
Quicken Loans 5, 0.02% 14.71%
New American Funding 6, 0.14% 30.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 69.57%
Iowa Bankers Mortgage Corporation 2, 0.00% 2.17%
New American Funding 3, 0.02% 10.87%
Us Bank 4, 0.02% 6.52%
Homeside Financial 5, 0.03% 10.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.00% 55.56%
Dupaco Community Credit Union 2, 0.01% 33.33%
Midwestone Bank 3, 0.01% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.00% 66.67%
Midwestone Bank 2, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 50.00%
Dupaco Community Credit Union 2, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GreenState Credit Union 1, -0.07% 7.46%
Collins Community Credit Union 2, -0.04% 7.46%
Homeside Financial 3, -0.03% 5.97%
Iowa Bankers Mortgage Corporation 4, -0.02% 10.45%
Us Bank 5, -0.02% 11.94%
Guild Mortgage Company 6, -0.01% 11.94%
New American Funding 7, 0.03% 20.90%
Quicken Loans 8, 0.04% 23.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
GreenState Credit Union 1, -0.06% 10.64%
Collins Community Credit Union 2, -0.04% 6.38%
Homeside Financial 3, -0.02% 8.51%
Us Bank 4, -0.02% 14.89%
Iowa Bankers Mortgage Corporation 5, -0.02% 12.77%
Guild Mortgage Company 6, 0.00% 12.77%
Quicken Loans 7, 0.05% 12.77%
New American Funding 8, 0.05% 21.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.04% 10.00%
Collins Community Credit Union 2, -0.03% 10.00%
New American Funding 3, -0.02% 20.00%
Iowa Bankers Mortgage Corporation 4, -0.02% 5.00%
Us Bank 5, -0.01% 5.00%
Quicken Loans 6, 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Dubuque, IA area. For mortgage lender rankings of other cities, click here.