Capitol Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
16th22.3% deniedPricingmedian rate spread over APOR, weight 30%
37th0.38 ptsProcesswithdrawn + incomplete share, weight 15%
6th29.6%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.18% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 137 | 88 | 19.0% | 22.8% | 6.79% | $12M |
| 2024 | 148 | 83 | 24.3% | 30.3% | 6.99% | $11M |
| 2025 | 223 | 107 | 15.7% | 22.3% | 6.63% | $16M |
What Capitol Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 61 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 2 investment properties.
Why Capitol Credit Union denies applications
Primary reason reported for each of the 35 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Capitol Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 56 | 22 | 35.9% |
| $100k – $150k | 58 | 32 | 11.9% |
| $150k – $250k | 51 | 29 | 12.5% |
| Over $250k | 49 | 23 | 22.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 9 | 25.0% |
| 35–44 | 54 | 21 | 31.4% |
| 45–54 | 65 | 32 | 23.9% |
| 55–64 | 47 | 24 | 12.9% |
| 65–74 | 23 | 18 | 18.2% |
Where Capitol Credit Union lends
3 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 221 | 107 | 15.8% | 6.63% | #399 |
Frequently asked questions
Capitol Credit Union denied 22.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of small mortgage lenders.
The most common reason Capitol Credit Union gave in 2025 was "debt-to-income ratio", cited on 48.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Capitol Credit Union originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.38 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 13% for refinancing (including cash-out), and 76% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.