Mortgage lending in Dubuque County
2,695 mortgages were originated in Dubuque County, Iowa, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,695
- Median rate
- 6.500%
- Median lender fees
- $2,381
- Median loan amount
- $145,000
- Median spread over APOR
- -0.178
- Paid discount points
- 9.2%
- Received lender credits
- 11.7%
- Purchases / refinances
- 49.8% / 20.2%
- Conventional / FHA / VA
- 93.2% / 3.7% / 2.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 52.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Dubuque County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DUPACO COMMUNITY | 948 | $2,121 | 7.000% |
| GREENSTATE Credit Union | 370 | $2,044 | 6.490% |
| MidWestOne Bank | 369 | $2,613 | 5.990% |
| Fidelity Bank & Trust | 246 | $3,015 | 6.125% |
| Du Trac Community Credit Union | 93 | $2,367 | 5.875% |
| Empeople Credit Union | 54 | — | 6.490% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Dubuque County — not a rule of thumb.
From 1,423 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers