DuTrac Community Credit Union mortgage approval rate & lending review
DuTrac Community Credit Union decided 283 mortgage applications and funded 266 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions DuTrac Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
DuTrac Community Credit Union at a glance
Approval is 11.2 points above the 84.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 197 / 203 | 98% | $235K | 194 |
| Cash-out refinance | 84% | 26 / 31 | 96% | $125K | 25 |
DuTrac Community Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where DuTrac Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Scott County, IA | Mortgage lenders | 99% | 153 | 150 |
| Rock Island County, IL | Mortgage lenders | 90% | 39 | 33 |
| Scott County, IA | Cash-out refinance | 88% | 26 | 22 |
The county markets where DuTrac Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about DuTrac Community Credit Union
What is DuTrac Community Credit Union's mortgage approval rate?
DuTrac Community Credit Union approved 95.4% of the 283 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.2 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan DuTrac Community Credit Union offers?
Borrowers accepted 99% of the loans DuTrac Community Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does DuTrac Community Credit Union make?
The typical home purchase mortgage loan DuTrac Community Credit Union made was $235K; across all loan types its typical loan ran from $125K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does DuTrac Community Credit Union lend?
DuTrac Community Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Iowa, Illinois and Arizona.
Can I apply to DuTrac Community Credit Union directly?
Yes. DuTrac Community Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show DuTrac Community Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how DuTrac Community Credit Union treats applications, then get a rate quote from the lender.