Capital Credit Union Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 549300VEZ43KYEWR3610

Tax ID: 39-0394240

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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 14 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.04% 4/18/24
    30 Year Conventional Refi 6.12% 4/18/24
    30 Year Cash-out Refi 6.27% 4/18/24
    30 Year VA Purchase 5.61% 4/18/24
    15 Year Conventional Purchase 5.19% 4/18/24
    15 Year Conventional Refi 5.96% 4/18/24
    15 Year Cash-out Refi 5.96% 4/18/24
    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

    2,107

    Origination Dollar Volume (All Markets)

    $318,255,000
    Show all (14) awards

    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) 1,019 $153,175,000 $150,319 $1,321 3.03%
    APPLETON, WI (FHA|USDA|VA) 586 $92,940,000 $158,601 $1,364 3.03%
    Outside of Metro Areas 202 $27,900,000 $138,119 $1,360 2.98%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 125 $20,595,000 $164,760 $1,443 3.04%
    Shawano, WI (FHA|USDA|VA) 82 $12,150,000 $148,171 $1,432 2.95%
    Marinette, WI-MI (FHA|USDA|VA) 51 $5,555,000 $108,922 $1,345 3.02%
    Manitowoc, WI (FHA|USDA|VA) 14 $1,790,000 $127,857 $1,560 3.08%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 7 $1,305,000 $186,429 $1,795 3.13%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $985,000 $197,000 $1,922 3.13%
    SHEBOYGAN, WI (FHA|USDA|VA) 5 $625,000 $125,000 $1,349 3.23%
    Stevens Point, WI (FHA|USDA|VA) 3 $425,000 $141,667 $1,575 3.17%
    Iron Mountain, MI-WI (FHA|USDA|VA) 4 $400,000 $100,000 $1,423 3.19%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $265,000 $88,333 $1,075 2.96%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,609 2.75%
    Capital Credit Union's top markets include Green Bay, Appleton, Oshkosh, Shawano, and Marinette among others.

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

    The Bank of Kaukauna
    Similarity Rank: 112
    Horicon Bank
    Similarity Rank: 160
    Hometown Bank
    Similarity Rank: 288
    Fox Valley Savings Bank
    Similarity Rank: 560
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    CAPITAL Credit Union
    Similarity Rank: 784
    mBank
    Similarity Rank: 799
    PCM
    Similarity Rank: 868
    VERVE, A CREDIT UNION
    Similarity Rank: 1800

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,107 $318,255,000 $151,047 $1,354 3.02%

    For 2020, Capital Credit Union's most frequently originated type of loan was Conventional, with 2,107 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,583 $225,765,000 $142,618 $1,206 3.00%
    Home Purchase 466 $80,520,000 $172,790 $1,837 3.12%
    Home Improvement 52 $11,560,000 $222,308 $1,779 3.05%
    Cash Out Refi 5 $95,000 $19,000 $231 3.35%
    Other 1 $315,000 $315,000 $2,244 3.13%

    For 2020, Capital Credit Union's most frequently cited loan purpose was Refi, with 1,583 originations. The 2nd most popular reason was Home Purchase, with 466 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 946 $125,070,000 $132,209 $1,174 2.87%
    30 Year 876 $160,620,000 $183,356 $1,672 3.09%
    Other 114 $12,570,000 $110,263 $503 3.43%
    20 Year 110 $13,530,000 $123,000 $1,139 3.27%
    10 Year 29 $2,635,000 $90,862 $878 3.03%
    5 Year 29 $3,325,000 $114,655 $333 3.51%
    30+ year 2 $370,000 $185,000 $3,175 3.38%
    3 Year 1 $135,000 $135,000 $0 3.50%

    For 2020, Capital Credit Union's most frequently cited loan duration was 15 Year, with 946 originations. The 2nd most popular length was 30 Year, with 876 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,037 $304,355,000 $149,413
    $1k-2k 1 $345,000 $345,000
    $2k-3k 1 $285,000 $285,000
    $3k-4k 1 $285,000 $285,000

    Capital Credit Union's average total fees were $1,672, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,037 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,380 $202,180,000 $146,507
    3-4% 669 $107,505,000 $160,695
    4-5% 33 $4,795,000 $145,303
    <2.5% 22 $3,600,000 $163,636
    5-6% 3 $175,000 $58,333

    During 2020, Capital Credit Union's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,380 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,046 $152,570,000 $145,860 $1,507 3.00%
    $100,000 or less 608 $39,170,000 $64,424 $821 3.07%
    $200k-400k 426 $109,600,000 $257,277 $1,681 3.02%
    $400k-600k 22 $9,950,000 $452,273 $2,095 2.90%
    $1MM+ 3 $5,405,000 $1,801,667 $0 3.83%
    $600k-1MM 2 $1,560,000 $780,000 $2,273 2.94%

    2020 saw Capital Credit Union place emphasis on $100k-200k loans with 1,046 originations, totaling $152,570,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 507 $64,305,000 $126,834 $1,339 3.02%
    $100k-150k 497 $91,995,000 $185,101 $1,439 2.98%
    $75k-100k 434 $63,040,000 $145,253 $1,336 3.04%
    $50k or less 387 $38,105,000 $98,463 $1,251 3.02%
    $150k-250k 179 $38,675,000 $216,061 $1,464 2.99%
    $250k+ 21 $6,525,000 $310,714 $1,657 2.92%

    Capital Credit Union lent most frequently to those with incomes in the $50k-75k range, with 507 originations. The second most popular income band? $100k-150k, with 497 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 637 $98,515,000 $154,655 $1,357 2.97%
    30-36% 482 $72,110,000 $149,606 $1,416 3.01%
    <20% 276 $36,500,000 $132,246 $1,236 2.91%
    38% 86 $13,840,000 $160,930 $1,411 3.10%
    39% 86 $13,470,000 $156,628 $1,404 3.01%
    42% 85 $12,085,000 $142,176 $1,309 3.13%
    37% 81 $11,795,000 $145,617 $1,402 3.04%
    41% 79 $12,775,000 $161,709 $1,421 3.11%
    40% 75 $10,995,000 $146,600 $1,413 3.13%
    36% 73 $11,285,000 $154,589 $1,316 3.05%
    >60% 25 $3,425,000 $137,000 $1,073 2.98%
    50-60% 14 $2,490,000 $177,857 $1,161 3.19%
    43% 14 $2,110,000 $150,714 $1,249 2.98%
    45% 8 $1,570,000 $196,250 $1,203 2.91%
    44% 7 $995,000 $142,143 $1,442 2.93%
    47% 5 $585,000 $117,000 $1,143 3.05%
    49% 4 $530,000 $132,500 $1,331 3.16%
    46% 3 $195,000 $65,000 $848 3.29%
    48% 2 $270,000 $135,000 $1,041 2.81%

    Capital Credit Union lent most frequently to those with DTI ratios of 20-30%, with 637 originations. The next most common DTI ratio? 30-36%, with 482 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,005 $299,475,000 $149,364 $1,355 3.01%
    Not applicable 47 $10,405,000 $221,383 $616 3.68%
    American Indian 21 $2,945,000 $140,238 $1,225 2.98%
    Asian 14 $2,440,000 $174,286 $1,391 2.94%
    Not provided 13 $2,115,000 $162,692 $1,504 3.04%
    Black 6 $680,000 $113,333 $1,322 3.04%
    Native Hawaiian or Islander 1 $195,000 $195,000 $2,594 3.80%

    Approval Rates

    Total approvals of all applications
    94.42%

    Capital Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    52.40%

    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 2,107 $318,255,000 $151,047

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $6,070,000 $1,011,667
    Single Family (1-4 Units):Manufactured 35 $3,405,000 $97,286
    Single Family (1-4 Units):Site-Built 2,066 $308,780,000 $149,458

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 174 $12,190,000 $70,057 $751 3.07%
    40-60% 361 $47,915,000 $132,729 $1,160 2.91%
    60-80% 890 $143,600,000 $161,348 $1,426 2.99%
    80-100% 581 $111,615,000 $192,108 $1,715 3.10%
    Under 20% 100 $2,830,000 $28,300 $407 3.25%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Capital Benefit, Inc. Conventional home mortgage Struggling to pay mortgage 2 100.0%