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 15 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% 4/21/24
    30 Year Conventional Refi 6.12% 4/21/24
    30 Year Cash-out Refi 6.27% 4/21/24
    30 Year VA Purchase 5.61% 4/21/24
    15 Year Conventional Purchase 5.19% 4/21/24
    15 Year Conventional Refi 5.96% 4/21/24
    15 Year Cash-out Refi 5.96% 4/21/24
    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

    1,871

    Origination Dollar Volume (All Markets)

    $296,925,000
    Show all (13) 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) 892 $141,620,000 $158,767 $1,371 2.84%
    APPLETON, WI (FHA|USDA|VA) 517 $83,505,000 $161,518 $1,363 2.77%
    Outside of Metro Areas 151 $23,455,000 $155,331 $1,507 2.74%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 113 $18,385,000 $162,699 $1,559 2.86%
    Shawano, WI (FHA|USDA|VA) 101 $14,255,000 $141,139 $1,385 2.80%
    Marinette, WI-MI (FHA|USDA|VA) 58 $8,240,000 $142,069 $1,486 2.75%
    Manitowoc, WI (FHA|USDA|VA) 16 $2,530,000 $158,125 $1,618 2.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,455,000 $485,000 $1,961 2.58%
    Stevens Point, WI (FHA|USDA|VA) 4 $960,000 $240,000 $2,096 3.00%
    SHEBOYGAN, WI (FHA|USDA|VA) 4 $700,000 $175,000 $1,843 3.03%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $675,000 $135,000 $1,606 2.60%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $415,000 $415,000 $2,716 3.25%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $355,000 $118,333 $1,576 3.17%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $330,000 $165,000 $1,721 2.88%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $45,000 $45,000 $860 3.25%
    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.

    PROSPERA Credit Union
    Similarity Rank: 140
    Horicon Bank
    Similarity Rank: 264
    Fox Valley Savings Bank
    Similarity Rank: 420
    Wolf River Community Bank
    Similarity Rank: 450
    The Stephenson National Bank and Trust
    Similarity Rank: 456
    The Bank of Kaukauna
    Similarity Rank: 484
    Settlers Bank
    Similarity Rank: 513
    BLC Community Bank
    Similarity Rank: 555
    Bank of Luxemburg
    Similarity Rank: 627
    Bankers' Bank
    Similarity Rank: 639

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,871 $296,925,000 $158,699 $1,404 2.81%

    For 2021, Capital Credit Union's most frequently originated type of loan was Conventional, with 1,871 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,416 $207,170,000 $146,306 $1,239 2.76%
    Home Purchase 403 $75,535,000 $187,432 $1,942 2.99%
    Home Improvement 42 $12,220,000 $290,952 $2,249 2.65%
    Cash Out Refi 10 $2,000,000 $200,000 $1,192 3.19%

    For 2021, Capital Credit Union's most frequently cited loan purpose was Refi, with 1,416 originations. The 2nd most popular reason was Home Purchase, with 403 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 822 $115,570,000 $140,596 $1,220 2.64%
    30 Year 746 $148,550,000 $199,129 $1,782 2.92%
    Other 131 $15,165,000 $115,763 $432 3.23%
    20 Year 88 $10,540,000 $119,773 $1,144 3.03%
    10 Year 60 $5,270,000 $87,833 $879 2.54%
    5 Year 23 $1,345,000 $58,478 $435 2.95%
    30+ year 1 $485,000 $485,000 $2,677 2.50%

    For 2021, Capital Credit Union's most frequently cited loan duration was 15 Year, with 822 originations. The 2nd most popular length was 30 Year, with 746 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,783 $280,925,000 $157,557
    $1k-2k 1 $285,000 $285,000
    $4k-5k 1 $355,000 $355,000
    $5k+ 1 $315,000 $315,000

    Capital Credit Union's average total fees were $1,782, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,783 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 773 $131,365,000 $169,942
    2.5-3% 611 $82,965,000 $135,786
    3-4% 483 $82,445,000 $170,694
    4-5% 4 $150,000 $37,500

    During 2021, Capital Credit Union's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was <2.5%, with 773 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 885 $129,355,000 $146,164 $1,568 2.80%
    $100,000 or less 526 $34,000,000 $64,639 $766 2.79%
    $200k-400k 407 $106,365,000 $261,339 $1,777 2.86%
    $400k-600k 45 $20,615,000 $458,111 $2,108 2.68%
    $600k-1MM 7 $5,585,000 $797,857 $2,176 3.01%
    $1MM+ 1 $1,005,000 $1,005,000 $1,941 2.50%

    2021 saw Capital Credit Union place emphasis on $100k-200k loans with 885 originations, totaling $129,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 472 $63,490,000 $134,513 $1,407 2.81%
    $100k-150k 425 $80,305,000 $188,953 $1,471 2.79%
    $75k-100k 386 $61,660,000 $159,741 $1,424 2.77%
    $50k or less 345 $34,995,000 $101,435 $1,230 2.78%
    $150k-250k 133 $32,025,000 $240,789 $1,571 2.78%
    $250k+ 24 $8,780,000 $365,833 $1,813 2.64%

    Capital Credit Union lent most frequently to those with incomes in the $50k-75k range, with 472 originations. The second most popular income band? $100k-150k, with 425 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 548 $82,870,000 $151,223 $1,405 2.81%
    30-36% 395 $61,705,000 $156,215 $1,409 2.78%
    <20% 217 $30,125,000 $138,825 $1,237 2.73%
    39% 89 $13,765,000 $154,663 $1,445 2.77%
    41% 84 $14,520,000 $172,857 $1,459 2.77%
    42% 81 $14,925,000 $184,259 $1,595 2.75%
    40% 77 $14,045,000 $182,403 $1,450 2.83%
    38% 75 $12,675,000 $169,000 $1,432 2.89%
    37% 66 $11,130,000 $168,636 $1,581 2.87%
    36% 66 $10,070,000 $152,576 $1,364 2.73%
    >60% 29 $3,935,000 $135,690 $1,183 2.85%
    50-60% 21 $4,565,000 $217,381 $1,494 2.80%
    43% 19 $3,455,000 $181,842 $1,271 2.60%
    44% 11 $2,115,000 $192,273 $1,480 2.76%
    45% 10 $1,620,000 $162,000 $1,284 2.69%
    47% 9 $1,345,000 $149,444 $1,482 2.60%
    46% 7 $1,355,000 $193,571 $1,524 2.79%
    48% 4 $270,000 $67,500 $900 2.72%
    49% 2 $450,000 $225,000 $1,918 2.63%

    Capital Credit Union lent most frequently to those with DTI ratios of 20-30%, with 548 originations. The next most common DTI ratio? 30-36%, with 395 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,757 $276,155,000 $157,174 $1,401 2.78%
    Not applicable 60 $11,890,000 $198,167 $0 3.51%
    American Indian 20 $3,110,000 $155,500 $1,296 2.79%
    Not provided 15 $2,515,000 $167,667 $1,623 2.82%
    Asian 11 $2,265,000 $205,909 $1,635 2.76%
    Black 6 $750,000 $125,000 $1,890 3.25%
    Native Hawaiian or Islander 2 $240,000 $120,000 $1,076 2.94%

    Approval Rates

    Total approvals of all applications
    94.13%

    Capital Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    50.67%

    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 1,871 $296,925,000 $158,699

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,871 $296,925,000 $158,699

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 164 $12,510,000 $76,280 $792 2.72%
    40-60% 363 $48,235,000 $132,879 $1,183 2.66%
    60-80% 667 $115,465,000 $173,111 $1,501 2.85%
    80-100% 561 $116,815,000 $208,226 $1,826 2.86%
    Under 20% 116 $3,900,000 $33,621 $436 2.93%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CAPITAL CENTER LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%