What loan types does Capital offer?

Capital offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Capital offer mortgages?

Capital offers mortgages in 6 states: AZ, MN, ND, OK, SC, SD.

How competitive are Capital's mortgage rates?

Capital has an overall pricing score of 45.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Capital?

Capital is a Credit Union headquartered in Bismarck, ND.

Unclaimed

Capital

Credit Union•Bismarck, NDHQ•Direct•Reviews near you on Google

Capital has 227 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Exceptional

5/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA loans

Explore another lender or local market

Report Card

Capital performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 8.4 bps below market avg

3/5

Pull Through

Closing strength

Exceptional

Top 20% of lenders

5/5

By Loan Product· Specialization by type

Conventional

169 loans · 0.08% below market

Strong

Top 40% of lenders

4/5

FHA

50 loans · 0.15% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

207 loans · 0.07% below market

Strong

Top 40% of lenders

4/5

Refinance

20 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Exceptional	169	74.4%	-0.082%Below	$3,396Fees
FHA Loans	Strong	Strong	—	Exceptional	50	22.0%	+0.152%Above	$3,527Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume169

Mix74.4%

Spread

-0.082%Below

Fees

$3,396Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Exceptional

Volume50

Mix22.0%

Spread

+0.152%Above

Fees

$3,527Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	207	91.2%	-0.065%Below	$3,561Fees
Refinance	Strong	Sound	—	Exceptional	20	8.8%	-0.228%Below	$1,996Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume207

Mix91.2%

Spread

-0.065%Below

Fees

$3,561Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume20

Mix8.8%

Spread

-0.228%Below

Fees

$1,996Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

227

Applications

261

Volume

$64 million

Pricing & Closing

Avg Rate Spread

-0.084%

vs. market APOR

Avg Net Fees

$3,381

Origination − Credits

Pullthrough Rate

87.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$286,189

Avg Borrower Income

$121,564

Avg Property Value

$361,300

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest3

MNNDSD

South2

OKSC

West1

Top Metro Areas by Place Specialization Score

Bismarck, NDMetro

Volume 135Mix 59.47% of portfolio

93/100

Exceptional

Fargo, ND, ND-MNMetro

Volume 53Mix 23.35% of portfolio

71/100

Strong

Top States by Place Specialization Score

North DakotaState

Volume 211Mix 92.95% of portfolio

84/100

Exceptional

MinnesotaState

Volume 10Mix 4.41% of portfolio

41/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.