CAPITAL
CAPITAL received 702 applications in 2025 and made 559 mortgages, in 48 counties across 11 states. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 585 decisions, 26 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VF12R0WS33KN43 |
|---|---|
| Applications received | 702 |
| Mortgages made | 559 |
| Denied | 26 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 117 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.618 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 | 239 | 6.375% | $265,000 | 1.2% |
| Refinancing | 58 | 6.813% | $220,000 | 1.7% |
| Cash-out refinancing | 40 | 7.000% | $165,000 | 4.8% |
| Other purposes | 222 | 8.240% | $65,000 | 8.3% |
Where CAPITAL lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Burleigh County, ND | 242 | 7.100% | 5.1% |
| Morton County, ND | 111 | 7.490% | 3.5% |
| Cass County, ND | 65 | 6.500% | 5.8% |
| Mercer County, ND | 52 | 7.245% | 1.9% |
| Clay County, MN | 15 | 6.750% | 6.3% |
| McLean County, ND | 12 | 6.500% | 0.0% |
| Oliver County, ND | 8 | Under 10 loans | 11.1% |
| Becker County, MN | 7 | Under 10 loans | 12.5% |
| Stark County, ND | 5 | Under 10 loans | 0.0% |
| Ward County, ND | 4 | Under 10 loans | 0.0% |
| Mahnomen County, MN | 3 | Under 10 loans | 0.0% |
| Hubbard County, MN | 2 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 2 | Under 10 loans | 0.0% |
| Kidder County, ND | 2 | Under 10 loans | 0.0% |
| Stutsman County, ND | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Teton County, ID | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Morrison County, MN | 1 | Under 10 loans | 0.0% |
| Norman County, MN | 1 | Under 10 loans | 0.0% |
| Polk County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Schoharie County, NY | 1 | Under 10 loans | 0.0% |
| Bottineau County, ND | 1 | Under 10 loans | 0.0% |
| Dickey County, ND | 1 | Under 10 loans | 0.0% |
| Emmons County, ND | 1 | Under 10 loans | 0.0% |
| Golden Valley County, ND | 1 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 1 | Under 10 loans | 0.0% |
| Grant County, ND | 1 | Under 10 loans | 0.0% |
| Pierce County, ND | 1 | Under 10 loans | 0.0% |
| Ransom County, ND | 1 | Under 10 loans | 0.0% |
| Richland County, ND | 1 | Under 10 loans | 0.0% |
| Sargent County, ND | 1 | Under 10 loans | 0.0% |
| Walsh County, ND | 1 | Under 10 loans | 0.0% |
| Wells County, ND | 1 | Under 10 loans | 0.0% |
| Williams County, ND | 1 | Under 10 loans | 0.0% |
| Lawrence County, SD | 1 | Under 10 loans | 0.0% |
| Perkins County, SD | 1 | Under 10 loans | 0.0% |
| Crook County, WY | 1 | Under 10 loans | 0.0% |
| Kenai Peninsula Borough, AK | 0 | Under 10 loans | Not published |
| Lancaster County, NE | 0 | Under 10 loans | Not published |
| Bowman County, ND | 0 | Under 10 loans | Not published |
| Hettinger County, ND | 0 | Under 10 loans | Not published |
| McIntosh County, ND | 0 | Under 10 loans | 100.0% |
| McKenzie County, ND | 0 | Under 10 loans | Not published |
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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.