Looking for a different lender?
C
CAPITAL Credit Union
Credit Union|Green Bay, WI|Single State
Loans Originated
615
Applications
1,027
Volume
$136 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.156%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$624
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 15.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
CAPITAL Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 4 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$222,415
Average Borrower Income
$99,507
Average Property Value
$326,301
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 604 | 98.2% | -0.148% | $617 |
VA Loans | Sound | Sound | N/A | Sound | 10 | 1.6% | -0.696% | $1,049 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 395 | 64.2% | -0.216% | $625 |
Refinance | Sound | Strong | Acceptable | Strong | 220 | 35.8% | -0.047% | $623 |
Geographic Coverage
Metro Areas
3
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
WI
Top Metro Areas by Place Specialization Score
1
Green Bay, WI, WIMSA
Volume: 227Mix: 36.91%
Place Specialization
Exceptional
2
Appleton, WI, WIMSA
Volume: 173Mix: 28.13%
Place Specialization
Exceptional
3
Oshkosh, WIMSA
Volume: 56Mix: 9.11%
Place Specialization
Strong
Top States by Place Specialization Score
1
WIState
Volume: 598Mix: 97.24%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare CAPITAL Credit Union with other lenders or get personalized recommendations.