CAPITAL Credit Union
CAPITAL Credit Union received 2,893 applications in 2025 and made 2,012 mortgages, in 42 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $105,000. Of 2,461 decisions, 188 were denials — 7.6%, most often for debt-to-income ratio. 193 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300VEZ43KYEWR3610 |
|---|---|
| Applications received | 2,893 |
| Mortgages made | 2,012 |
| Denied | 188 |
| Approved, not taken up | 261 |
| Withdrawn or incomplete | 432 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.05 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 | 535 | 6.000% | $255,000 | 6.2% |
| Refinancing | 244 | 6.125% | $105,000 | 12.9% |
| Cash-out refinancing | 717 | 6.490% | $75,000 | 8.7% |
| Other purposes | 516 | 6.500% | $65,000 | 4.6% |
Where CAPITAL Credit Union lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Brown County, WI | 827 | 6.250% | 7.2% |
| Outagamie County, WI | 384 | 6.125% | 5.6% |
| Oconto County, WI | 134 | 6.375% | 6.3% |
| Winnebago County, WI | 130 | 6.313% | 7.5% |
| Door County, WI | 114 | 6.490% | 9.5% |
| Shawano County, WI | 112 | 6.125% | 3.8% |
| Calumet County, WI | 89 | 6.000% | 1.0% |
| Marinette County, WI | 55 | 6.250% | 6.2% |
| Kewaunee County, WI | 48 | 6.063% | 6.9% |
| Waupaca County, WI | 23 | 6.125% | 20.6% |
| Manitowoc County, WI | 19 | 6.250% | 16.0% |
| Waushara County, WI | 12 | 6.500% | 0.0% |
| Menominee County, WI | 8 | Under 10 loans | 9.1% |
| Fond du Lac County, WI | 6 | Under 10 loans | 22.2% |
| Dane County, WI | 4 | Under 10 loans | 0.0% |
| Florence County, WI | 4 | Under 10 loans | 0.0% |
| Forest County, WI | 4 | Under 10 loans | 0.0% |
| Langlade County, WI | 4 | Under 10 loans | 0.0% |
| Marathon County, WI | 4 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 4 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 4 | Under 10 loans | 0.0% |
| Oneida County, WI | 3 | Under 10 loans | 0.0% |
| Vilas County, WI | 3 | Under 10 loans | 0.0% |
| Wood County, WI | 3 | Under 10 loans | 0.0% |
| Price County, WI | 2 | Under 10 loans | 33.3% |
| Sawyer County, WI | 2 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Marquette County, WI | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Baraga County, MI | 0 | Under 10 loans | 100.0% |
| Clark County, WI | 0 | Under 10 loans | Not published |
| Columbia County, WI | 0 | Under 10 loans | Not published |
| Crawford County, WI | 0 | Under 10 loans | 0.0% |
| Green Lake County, WI | 0 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 0 | Under 10 loans | Not published |
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When CAPITAL 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.