PlainLender

CAPITAL CREDIT UNION

BISMARCK, ND

CAPITAL CREDIT UNION processed 680 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 541 loans with a 2.9% denial rate. Home Purchase was the primary loan purpose. Based in BISMARCK, ND. The approval rate of 79.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. CAPITAL CREDIT UNION processed 680 HMDA-reported mortgage applications in 2024, originating 541 loans and denying 20 for a denial rate of 2.9% (applicants themselves withdrew 117 files before a decision). The average loan amount was $197,074 at a 7.384% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300VF12R0WS33KN43 from BISMARCK, ND.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. CAPITAL CREDIT UNION's 79.6% origination rate tells you how often an application turned into funded money; the 2.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (615 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

680
Applications
541
Originated
2.9%
Denial Rate
$197,074
Avg Loan Amount
Avg Interest Rate: 7.384% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 615 484 17 $187,585
FHA 55 50 3 $275,000
VA 10 7 0 $352,000

Top loan types — CAPITAL CREDIT UNION

Top loan types — CAPITAL CREDIT UNION Horizontal bar chart of the top 3 items by value (applications). Top loan types — CAPITAL CREDIT UNION Top 3 1. Conventional 615 2. FHA 55 3. VA 10 Top 5 loan types by application volume at CAPITAL CREDIT UNION (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for CAPITAL CREDIT UNION (LEI: 549300VF12R0WS33KN43) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
15
Other
15
Credit history
8
Employment history
1
Insufficient cash
1
Collateral
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 330 286 $259,455
Other 147 102 $82,551
Home Improvement 124 85 $79,194
Refinancing 45 40 $320,333
Cash-out Refinancing 34 28 $353,529

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 547 79.9% 2.4%
Asian 12 75.0% 0.0%
Black or African American 10 80.0% 0.0%
Joint 8 87.5% 12.5%
American Indian or Alaska Native 5 40.0% 20.0%
Native Hawaiian or Other Pacific Islander 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 567 79.4% 2.8%
Hispanic or Latino 11 63.6% 0.0%
Joint 6 83.3% 0.0%

Nearby Lenders in ND

Other HMDA-reporting lenders in ND with similar activity. Compare any two side-by-side.

Bell Bank

Fargo, ND

13,496 apps 10,872 originated 5.8% denied

Gate City Bank

Fargo, ND

4,682 apps 3,056 originated 10.3% denied

ALERUS FINANCIAL NA

GRAND FORKS, ND

2,632 apps 2,038 originated 6.6% denied

First International Bank & Trust

Minot, ND

1,791 apps 1,437 originated 6.6% denied

FIRST COMMUNITY CREDIT UNION

JAMESTOWN, ND

1,333 apps 512 originated 18.4% denied
Compare CAPITAL CREDIT UNION vs Bell Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did CAPITAL CREDIT UNION process?
CAPITAL CREDIT UNION processed 680 mortgage applications in the 2023 HMDA reporting year. Of these, 541 were originated (approved and funded), 117 were withdrawn by the applicant, and 20 were denied.
What is CAPITAL CREDIT UNION's mortgage approval rate?
CAPITAL CREDIT UNION has an approval (origination) rate of 79.6%, meaning 79.6% of all applications resulted in a funded mortgage. The denial rate is 2.9%.
What is the average loan amount at CAPITAL CREDIT UNION?
The average mortgage loan amount at CAPITAL CREDIT UNION is $197,074. The average interest rate is 7.384%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at CAPITAL CREDIT UNION?
The most common reasons for mortgage denial at CAPITAL CREDIT UNION are: Debt-to-income ratio, Other, Credit history. In total, 20 applications were denied out of 680 total applications.
What types of mortgage loans does CAPITAL CREDIT UNION offer?
CAPITAL CREDIT UNION processes Conventional, FHA, VA loans. The most common type is Conventional with 615 applications and an average loan amount of $187,585.
What loan purposes does CAPITAL CREDIT UNION serve?
CAPITAL CREDIT UNION serves the following loan purposes: Home Purchase (330 applications), Other (147 applications), Home Improvement (124 applications), Refinancing (45 applications), Cash-out Refinancing (34 applications). Home Purchase is the most common purpose.
Where is CAPITAL CREDIT UNION located?
CAPITAL CREDIT UNION is headquartered in BISMARCK, ND. The lender is identified by LEI 549300VF12R0WS33KN43 in HMDA data.
How does CAPITAL CREDIT UNION compare in lending across racial demographics?
CAPITAL CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 79.9% and denial rate of 2.4%; Asian applicants have an approval rate of 75.0% and denial rate of 0.0%; Black or African American applicants have an approval rate of 80.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.