# CAPITAL Credit Union

> **Canonical URL:** https://saferate.com/lenders/capital-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CAPITAL Credit Union is a credit union, headquartered in Green Bay, WI, with 615 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VEZ43KYEWR3610
- **Headquarters:** Green Bay, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.156%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $624
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 615
- **Dollar Volume:** $137 million
- **Applications Received:** 1,027
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,415
- **Average Borrower Income:** $99,507
- **Average Property Value:** $326,301

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 604 | -0.148% | $617 | Strong 😀 |
| VA | 55/100 | 10 | -0.696% | $1,049 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 385 loans, Score: 68/100 (Strong)
- Refinance: 219 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 395 | $101M | -0.216% | Strong 😀 |
| Refinance | 76/100 | 220 | $35M | -0.047% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 598 | 0.91% | 87/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Green Bay, WI | WI | 227 | 98/100 |
| Appleton, WI | WI | 173 | 86/100 |
| Non |  | 143 | 59/100 |
| Oshkosh | WI | 56 | 72/100 |

## Where This Lender Ranks

CAPITAL Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Green Bay, WI Credit Unions
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Appleton, WI Credit Unions
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Appleton, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Green Bay, WI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Appleton, WI
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders)
- 🏆 **#4** in Oshkosh Credit Unions
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Wisconsin for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#6** in Green Bay, WI
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders)
- 🏆 **#6** in Oshkosh
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders)
- 🏆 **#6** in Oshkosh for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Green Bay, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Wisconsin Credit Unions
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Wisconsin for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Oshkosh for Conventional Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🏆 **#18** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.156% below market average.

### What type of lender is CAPITAL Credit Union?

CAPITAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Green Bay, WI.

### What is CAPITAL Credit Union's loan approval success rate?

CAPITAL Credit Union has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/capital-credit-union

### How to Cite

> "CAPITAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capital-credit-union

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