What loan types does CAPITAL Credit Union offer?

CAPITAL Credit Union offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does CAPITAL Credit Union offer mortgages?

CAPITAL Credit Union offers mortgages in 1 states: WI.

How competitive are CAPITAL Credit Union's mortgage rates?

CAPITAL Credit Union has an overall pricing score of 65.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CAPITAL Credit Union?

CAPITAL Credit Union is a Credit Union headquartered in Green Bay, WI.

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CAPITAL Credit Union

Credit Union•Green Bay, WIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from CAPITAL Credit Union — 615 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · VA

Place

Exceptional

5/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 15.60 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

CAPITAL Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 15.6 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

604 loans · 0.15% below market

Strong

Top 40% of lenders

4/5

10 loans · 0.70% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

395 loans · 0.22% below market

Strong

Top 40% of lenders

4/5

Refinance

220 loans · 0.05% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Strong	Strong	604	98.2%	-0.148%Below	$617Fees
VA Loans	Sound	Sound	—	Sound	10	1.6%	-0.696%Below	$1,049Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume604

Mix98.2%

Spread

-0.148%Below

Fees

$617Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume10

Mix1.6%

Spread

-0.696%Below

Fees

$1,049Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Sound	395	64.2%	-0.216%Below	$625Fees
Refinance	Strong	Strong	Acceptable	Strong	220	35.8%	-0.047%Below	$623Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume395

Mix64.2%

Spread

-0.216%Below

Fees

$625Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume220

Mix35.8%

Spread

-0.047%Below

Fees

$623Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

615

Applications

1,027

Volume

$136 million

Pricing & Closing

Avg Rate Spread

-0.156%

vs. market APOR

Avg Net Fees

$624

Origination − Credits

Pullthrough Rate

59.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$222,415

Avg Borrower Income

$99,507

Avg Property Value

$326,301

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

1Full-year 2024 · HMDA

Loans originated

< 500500+None

Midwest1

Top Metro Areas by Place Specialization Score

Green Bay, WIMetro

Volume 227Mix 36.91% of portfolio

98/100

Exceptional

Appleton, WIMetro

Volume 173Mix 28.13% of portfolio

86/100

Exceptional

Oshkosh, WIMetro

Volume 56Mix 9.11% of portfolio

72/100

Strong

Top States by Place Specialization Score

WisconsinState

Volume 598Mix 97.24% of portfolio

87/100

Exceptional

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.