Du Trac Community Credit Union in Iowa vs the state
4.3%Denial rate-8.55 pts vs state
4.5%Decision denial rate-10.80 pts vs state
87.1%Origination rate+18.60 pts vs state
6.00%Median rate-0.50 pts vs state
-0.33Rate spread (pts)-0.52 pts vs state
$93kMedian applicant income
222Loans originated
11Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 225 | 191 | 4.4% | 6.13% | #83 |
| 2024 | 241 | 209 | 4.2% | 6.25% | #83 |
| 2025 | 255 | 222 | 4.3% | 6.00% | #84 |
What Du Trac Community Credit Union lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Du Trac Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dubuque County | 100 | 93 | 2 | 2.0% |
| Scott County | 89 | 83 | 2 | 2.2% |
| Clinton County | 25 | 16 | 5 | 20.0% |
| Jones County | 10 | 7 | 0 | 0.0% |
| Jackson County | 8 | 4 | 1 | 12.5% |
| Delaware County | 6 | 4 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Muscatine County | 3 | 2 | 1 | 33.3% |
| Cedar County | 2 | 2 | 0 | 0.0% |
| Winneshiek County | 2 | 1 | 0 | 0.0% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 255 applications in 2025, of which 222 were originated and 11 denied.
4.3% of all applications, or 4.5% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Du Trac Community Credit Union originated in Iowa in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Du Trac Community Credit Union's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology