Capital Credit Union Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 549300VEZ43KYEWR3610

Tax ID: 39-0394240

5 stars - Updated: 2/26/24 - out of 5 stars, based on 44 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Capital Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Capital Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Oshkosh, Shawano, and Marinette among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capital Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.04% 2/26/24
30 Year Conventional Refi 6.12% 2/26/24
30 Year Cash-out Refi 6.27% 2/26/24
30 Year VA Purchase 5.61% 2/26/24
15 Year Conventional Purchase 5.19% 2/26/24
15 Year Conventional Refi 5.96% 2/26/24
15 Year Cash-out Refi 5.96% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Capital Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Capital Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,943

Origination Dollar Volume (All Markets)

$291,325,000
Show all (13) awards

Relative Rate

Capital Credit Union's average 30 year fixed mortgage rate was 3.61%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -1.15%.

Relative Fees (Closing Costs)

Capital Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $2,061.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
GREEN BAY, WI (FHA|USDA|VA) 952 $146,770,000 $154,170 $1,503 3.87%
APPLETON, WI (FHA|USDA|VA) 512 $72,240,000 $141,094 $1,456 3.87%
Outside of Metro Areas 161 $23,805,000 $147,857 $1,616 3.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 133 $20,085,000 $151,015 $1,870 4.10%
Shawano, WI (FHA|USDA|VA) 92 $12,770,000 $138,804 $1,542 3.79%
Marinette, WI-MI (FHA|USDA|VA) 52 $7,790,000 $149,808 $1,828 3.56%
Manitowoc, WI (FHA|USDA|VA) 11 $1,625,000 $147,727 $1,672 3.66%
WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $1,200,000 $300,000 $2,522 3.63%
FOND DU LAC, WI (FHA|USDA|VA) 8 $1,090,000 $136,250 $1,505 4.31%
MADISON, WI (FHA|USDA|VA) 4 $780,000 $195,000 $2,422 4.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $580,000 $290,000 $2,637 4.06%
Beaver Dam, WI (FHA|USDA|VA) 1 $505,000 $505,000 $2,055 4.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $465,000 $465,000 $1,836 4.00%
RACINE, WI (FHA|USDA|VA) 1 $405,000 $405,000 $1,905 2.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $350,000 $175,000 $2,135 5.62%
Menomonie, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,555 3.00%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,900 3.63%
Stevens Point, WI (FHA|USDA|VA) 2 $150,000 $75,000 $986 4.13%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,870 3.25%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $140,000 $70,000 $1,417 4.94%
Capital Credit Union's top markets include Green Bay, Appleton, Oshkosh, Shawano, and Marinette among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against CAPITAL Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,608 $270,480,000 $168,209 $1,545 3.68%
    HELOC 335 $20,845,000 $62,224 n/a 4.73%

    For 2022, Capital Credit Union's most frequently originated type of loan was Conventional, with 1,608 originations. Their 2nd most popular type was HELOC, with 335 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,313 $142,585,000 $108,595 $1,177 3.84%
    Home Purchase 557 $129,395,000 $232,307 $2,207 3.89%
    Home Improvement 44 $13,290,000 $302,045 $2,219 3.45%
    Cash Out Refi 29 $6,055,000 $208,793 $0 4.81%

    For 2022, Capital Credit Union's most frequently cited loan purpose was Refi, with 1,313 originations. The 2nd most popular reason was Home Purchase, with 557 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 826 $187,650,000 $227,179 $2,061 3.61%
    20 Year 374 $25,100,000 $67,112 $619 4.24%
    Other 260 $29,840,000 $114,769 $483 4.14%
    10 Year 250 $21,550,000 $86,200 $1,097 4.06%
    15 Year 199 $25,235,000 $126,809 $1,388 3.59%
    5 Year 30 $1,130,000 $37,667 $541 3.56%
    3 Year 3 $535,000 $178,333 $0 3.67%
    30+ year 1 $285,000 $285,000 $2,615 3.25%

    For 2022, Capital Credit Union's most frequently cited loan duration was 30 Year, with 826 originations. The 2nd most popular length was 20 Year, with 374 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,466 $242,240,000 $165,239
    $2k-3k 1 $435,000 $435,000

    Capital Credit Union's average total fees were $2,061, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,466 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 794 $112,720,000 $141,965
    2.5-3% 417 $81,815,000 $196,199
    4-5% 312 $42,830,000 $137,276
    5-6% 223 $29,945,000 $134,283
    <2.5% 102 $15,570,000 $152,647
    6-7% 85 $7,985,000 $93,941
    7-8% 9 $435,000 $48,333
    Over 8% 1 $25,000 $25,000

    During 2022, Capital Credit Union's average interest rate for loans was 3.61%, while their most frequently originated rate bucket for loans was 3-4%, with 794 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 852 $43,390,000 $50,927 $712 4.06%
    $100k-200k 599 $86,305,000 $144,082 $1,871 3.76%
    $200k-400k 420 $116,150,000 $276,548 $2,114 3.68%
    $400k-600k 51 $24,215,000 $474,804 $2,500 3.31%
    $600k-1MM 13 $9,115,000 $701,154 $2,694 3.17%
    $1MM+ 8 $12,150,000 $1,518,750 $3,561 3.69%

    2022 saw Capital Credit Union place emphasis on $100,000 or less loans with 852 originations, totaling $43,390,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 475 $55,095,000 $115,989 $1,568 3.83%
    $100k-150k 454 $72,810,000 $160,374 $1,524 3.83%
    $75k-100k 385 $56,805,000 $147,545 $1,595 3.85%
    $50k or less 278 $26,850,000 $96,583 $1,429 3.70%
    $150k-250k 184 $37,180,000 $202,065 $1,616 3.95%
    $250k+ 38 $16,210,000 $426,579 $1,973 3.56%

    Capital Credit Union lent most frequently to those with incomes in the $50k-75k range, with 475 originations. The second most popular income band? $100k-150k, with 454 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 475 $69,755,000 $146,853 $1,540 3.75%
    30-36% 374 $56,570,000 $151,257 $1,536 3.79%
    <20% 183 $18,035,000 $98,552 $1,334 3.78%
    42% 100 $16,420,000 $164,200 $1,543 3.88%
    41% 86 $11,300,000 $131,395 $1,478 3.92%
    39% 76 $11,530,000 $151,711 $1,597 3.69%
    40% 76 $11,900,000 $156,579 $1,459 3.71%
    38% 71 $12,135,000 $170,915 $1,522 3.92%
    37% 66 $12,070,000 $182,879 $1,694 3.81%
    36% 60 $7,620,000 $127,000 $1,532 3.82%
    50-60% 48 $9,880,000 $205,833 $2,023 3.77%
    45% 45 $5,905,000 $131,222 $2,115 4.27%
    44% 42 $6,370,000 $151,667 $1,724 3.81%
    43% 40 $5,760,000 $144,000 $1,554 4.33%
    >60% 28 $3,940,000 $140,714 $1,154 3.63%
    46% 20 $2,870,000 $143,500 $1,530 4.01%
    47% 19 $2,295,000 $120,789 $1,640 4.09%
    48% 15 $2,145,000 $143,000 $1,492 3.89%
    49% 10 $1,120,000 $112,000 $848 4.37%

    Capital Credit Union lent most frequently to those with DTI ratios of 20-30%, with 475 originations. The next most common DTI ratio? 30-36%, with 374 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,759 $257,555,000 $146,421 $1,521 3.80%
    Not applicable 106 $23,540,000 $222,075 $2,195 4.47%
    American Indian 22 $3,380,000 $153,636 $1,798 4.42%
    Not provided 32 $2,950,000 $92,188 $1,613 4.26%
    Asian 16 $2,220,000 $138,750 $1,292 4.62%
    Black 8 $1,680,000 $210,000 $7,688 4.55%

    Approval Rates

    Total approvals of all applications
    95.17%

    Capital Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    60.73%

    Capital Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,943 $291,325,000 $149,936

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,943 $291,325,000 $149,936

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 307 $24,325,000 $79,235 $816 4.00%
    40-60% 226 $33,900,000 $150,000 $1,437 3.54%
    60-80% 442 $90,190,000 $204,050 $1,938 3.62%
    80-100% 511 $124,435,000 $243,513 $2,149 3.76%
    Over 100% 1 $1,205,000 $1,205,000 $0 5.50%
    Under 20% 455 $17,225,000 $37,857 $469 4.25%