CAPITAL closing costs and rates (2024)
In 2024, CAPITAL originated 133 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $5,804. That is $937 below the national median of $6,741. CAPITAL is most active in North Dakota with 124 originations there.
Purchase Originations
133
Median Total Costs
$5,804
−13.9% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$3,529
Median Lender Credits
$128
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 113 | 6.500% | $5,623 | $3,612 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 124 | 6.375% | $5,694 | #14 |
| Minnesota | 6 | 6.500% | $6,317 | — |
| South Dakota | 2 | 6.375% | $8,353 | — |
| South Carolina | 1 | 6.875% | $6,265 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,699 | 6.500% | — | 1 | −$2,105 | |
| 2 | $4,538 | 6.875% | — | 1 | −$1,266 | |
| 3 | $5,135 | 6.062% | — | 2 | −$669 | |
| 4 | $5,415 | 6.500% | — | 20 | −$389 | |
| 5 | $5,430 | 6.000% | — | 3 | −$374 | |
| 6 | $5,444 | 6.438% | — | 52 | −$360 | |
| 7 | $5,747 | 6.500% | — | 1 | −$57 | |
| 8 | $5,915 | 6.000% | — | 1 | +$111 | |
| 9 | $5,997 | 6.250% | — | 6 | +$193 | |
| 10 | $6,211 | 6.250% | — | 33 | +$407 | |
| 11 | $6,265 | 6.875% | — | 1 | +$461 | |
| 12 | $6,317 | 6.500% | — | 4 | +$513 | |
| 13 | $7,248 | 6.625% | — | 2 | +$1,444 | |
| 14 | $8,394 | 5.875% | — | 1 | +$2,590 | |
| 15 | $8,523 | 6.500% | — | 1 | +$2,719 | |
| 16 | $9,680 | 6.250% | — | 1 | +$3,876 | |
| 17 | $10,959 | 6.250% | — | 1 | +$5,155 | |
| 18 | $11,480 | 6.250% | — | 2 | +$5,676 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.