CAPITAL Credit Union mortgage approval rate & lending review
CAPITAL Credit Union decided 4,371 mortgage applications and funded 3,674 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CAPITAL Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CAPITAL Credit Union at a glance
Approval is 16.3 points above the 76.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 935 / 951 | 91% | $245K | 854 |
| Home improvement loans | 95% | 433 / 458 | 93% | $55K | 401 |
| Cash-out refinance | 89% | 568 / 637 | 88% | $75K | 499 |
| Refinance | 91% | 1,973 / 2,168 | 90% | $55K | 1,785 |
| Investment property purchase | 90% | 60 / 67 | 97% | $215K | 58 |
| Investment refinance | 90% | 57 / 63 | 100% | $125K | 57 |
CAPITAL Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 93% | $55K | 4,370 | 3,674 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CAPITAL Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brown County, WI | Refinance | 90% | 1,329 | 1,083 |
| Outagamie County, WI | Refinance | 94% | 632 | 537 |
| Brown County, WI | Mortgage lenders | 98% | 456 | 402 |
| Brown County, WI | Cash-out refinance | 88% | 403 | 320 |
| Outagamie County, WI | Mortgage lenders | 98% | 317 | 291 |
| Brown County, WI | Home improvement loans | 96% | 279 | 249 |
| Outagamie County, WI | Cash-out refinance | 92% | 189 | 149 |
| Winnebago County, WI | Refinance | 89% | 180 | 146 |
| Winnebago County, WI | Mortgage lenders | 98% | 137 | 124 |
| Outagamie County, WI | Home improvement loans | 94% | 127 | 111 |
| Winnebago County, WI | Home improvement loans | 87% | 47 | 37 |
| Brown County, WI | Investment property purchase | 85% | 34 | 29 |
The county markets where CAPITAL Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about CAPITAL Credit Union
What is CAPITAL Credit Union's mortgage approval rate?
CAPITAL Credit Union approved 92.6% of the 4,371 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.3 points above the 76.4% national rate for the same mix of loan types.
How often do borrowers take the loan CAPITAL Credit Union offers?
Borrowers accepted 91% of the loans CAPITAL Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CAPITAL Credit Union make?
The typical mortgage refinance loan CAPITAL Credit Union made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CAPITAL Credit Union lend?
CAPITAL Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Wisconsin and Iowa.
Can I apply to CAPITAL Credit Union directly?
Yes. CAPITAL Credit Union is a bank or credit union with 37 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CAPITAL Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CAPITAL Credit Union treats applications, then get a rate quote from the lender.