Du Trac Community Credit Union
Du Trac Community Credit Union received 316 applications in 2025 and made 274 mortgages, in 27 counties across 3 states. The median rate its borrowers got was 6.000% on a median loan of $175,000. Of 301 decisions, 14 were denials — 4.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900LIEBWBUKVDWP33 |
|---|---|
| Applications received | 316 |
| Mortgages made | 274 |
| Denied | 14 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.3105 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 213 | 6.000% | $175,000 | 3.1% |
| Refinancing | 30 | 5.625% | $210,000 | 3.1% |
| Cash-out refinancing | 25 | 6.375% | $155,000 | 17.7% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Du Trac Community Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dubuque County, IA | 93 | 5.875% | 2.0% |
| Scott County, IA | 83 | 5.875% | 2.3% |
| Rock Island County, IL | 26 | 5.938% | 7.1% |
| Clinton County, IA | 16 | 6.125% | 20.8% |
| Henry County, IL | 7 | Under 10 loans | 0.0% |
| Jones County, IA | 7 | Under 10 loans | 0.0% |
| Grant County, WI | 6 | Under 10 loans | 0.0% |
| Delaware County, IA | 4 | Under 10 loans | 0.0% |
| Jackson County, IA | 4 | Under 10 loans | 14.3% |
| Jo Daviess County, IL | 3 | Under 10 loans | 25.0% |
| Knox County, IL | 3 | Under 10 loans | 0.0% |
| Whiteside County, IL | 3 | Under 10 loans | 0.0% |
| Polk County, IA | 3 | Under 10 loans | 0.0% |
| Cedar County, IA | 2 | Under 10 loans | 0.0% |
| Linn County, IA | 2 | Under 10 loans | 0.0% |
| Muscatine County, IA | 2 | Under 10 loans | 33.3% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| Mercer County, IL | 1 | Under 10 loans | 0.0% |
| Allamakee County, IA | 1 | Under 10 loans | 0.0% |
| Clayton County, IA | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Des Moines County, IA | 1 | Under 10 loans | 0.0% |
| Louisa County, IA | 1 | Under 10 loans | 0.0% |
| Winneshiek County, IA | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Ashland County, WI | 0 | Under 10 loans | 0.0% |
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When Du Trac Community Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.