# CAPITAL

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


> **📋 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 is a credit union, headquartered in Bismarck, ND, serving borrowers across 6 states, with 227 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VF12R0WS33KN43
- **Headquarters:** Bismarck, ND
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, MN, ND, OK, SC, SD
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.084%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,381
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 227
- **Dollar Volume:** $65 million
- **Applications Received:** 261
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $286,189
- **Average Borrower Income:** $121,564
- **Average Property Value:** $361,300

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 169 | -0.082% | $3,396 | Strong 😀 |
| FHA | 68/100 | 50 | +0.152% | $3,527 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 151 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 50 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 207 | $58M | -0.065% | Strong 😀 |
| Refinance | 50/100 | 20 | $7M | -0.228% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 211 | 2.88% | 84/100 |
| MN | 10 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bismarck, ND | ND | 135 | 93/100 |
| Fargo, ND | ND-MN | 53 | 71/100 |
| Non |  | 33 | 40/100 |

## Where This Lender Ranks

CAPITAL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in North Dakota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in North Dakota Credit Unions
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in North Dakota for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in North Dakota for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Bismarck, ND
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders)
- 🥉 **#3** in Bismarck, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Fargo, ND for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Fargo, ND for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#5** in Bismarck, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in North Dakota
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders)
- 🏆 **#6** in North Dakota for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Fargo, ND
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders)
- 🏆 **#7** in Fargo, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Fargo, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in North Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does CAPITAL offer?

CAPITAL offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CAPITAL offer mortgages?

CAPITAL offers mortgages in 6 states: AZ, MN, ND, OK, SC, SD.

### How competitive are CAPITAL's mortgage rates?

CAPITAL has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.084% below market average.

### What type of lender is CAPITAL?

CAPITAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bismarck, ND.

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

CAPITAL has a pull-through score of 81/100 (Exceptional). 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

### How to Cite

> "CAPITAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capital

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