Purchase Originations
487
Median Total Costs
$2,932
−56.1% vs national ($6,680)
↑ $614 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$645
Median Lender Credits
$54
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 481 | 6.000% | $2,922 | $645 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 487 | 6.000% | $2,932 | #32 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,173 | 6.250% | — | 2 | −$759 | |
| 2 | $2,462 | 6.500% | — | 3 | −$470 | |
| 3 | $2,613 | 6.250% | — | 6 | −$319 | |
| 4 | $2,734 | 6.062% | — | 22 | −$198 | |
| 5 | $2,801 | 6.000% | — | 49 | −$131 | |
| 6 | $2,835 | 5.875% | — | 3 | −$97 | |
| 7 | $2,900 | 6.125% | — | 111 | −$32 | |
| 8 | $2,909 | 6.000% | — | 19 | −$23 | |
| 9 | $2,948 | 6.375% | — | 3 | +$16 | |
| 10 | $2,957 | 5.875% | — | 7 | +$25 | |
| 11 | $2,961 | 6.125% | — | 185 | +$29 | |
| 12 | $2,983 | 5.875% | — | 8 | +$51 | |
| 13 | $2,990 | 5.875% | — | 15 | +$58 | |
| 14 | $3,001 | 6.000% | — | 33 | +$69 | |
| 15 | $3,089 | 6.062% | — | 8 | +$157 | |
| 16 | $3,114 | 5.750% | — | 2 | +$182 | |
| 17 | $3,153 | 6.000% | — | 2 | +$221 | |
| 18 | $3,522 | 6.375% | — | 1 | +$590 | |
| 19 | $3,761 | 6.375% | — | 1 | +$829 | |
| 20 | $4,111 | 5.875% | — | 1 | +$1,179 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | CAPITAL Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,932 | $7,127 | −$4,195 (−58.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.