CAPITOL CREDIT UNION
CAPITOL CREDIT UNION received 223 applications in 2025 and made 107 mortgages, in 29 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $105,000. Of 157 decisions, 35 were denials — 22.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300I3SDXHG6BUD309 |
|---|---|
| Applications received | 223 |
| Mortgages made | 107 |
| Denied | 35 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.375 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | 7.095% | $180,000 | 5.3% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 10 | 6.490% | $140,000 | 25.0% |
| Other purposes | 75 | 6.690% | $85,000 | 24.8% |
Where CAPITOL CREDIT UNION lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Travis County, TX | 49 | 6.590% | 24.0% |
| Williamson County, TX | 19 | 6.590% | 21.9% |
| Hays County, TX | 9 | Under 10 loans | 0.0% |
| Harris County, TX | 5 | Under 10 loans | 16.7% |
| Bexar County, TX | 3 | Under 10 loans | 0.0% |
| Collin County, TX | 3 | Under 10 loans | 25.0% |
| Bell County, TX | 2 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 2 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 2 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 50.0% |
| Burnet County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Gillespie County, TX | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 1 | Under 10 loans | 0.0% |
| Kaufman County, TX | 1 | Under 10 loans | 50.0% |
| Lampasas County, TX | 1 | Under 10 loans | 0.0% |
| McCulloch County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 66.7% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| San Patricio County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 66.7% |
| Zapata County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 0 | Under 10 loans | 100.0% |
| Comal County, TX | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Smith County, TX | 0 | Under 10 loans | Not published |
| Taylor County, TX | 0 | Under 10 loans | Not published |
| Alexandria city, VA | 0 | Under 10 loans | Not published |
| Brown County, WI | 0 | Under 10 loans | Not published |
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When CAPITOL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.