Applications / Mortgage Analytics / Lenders / Wisconsin / Capitol Bank
Madison, WI · State non-member bank · FDIC · $634 million assets · 72 loans in 2025
Capitol Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
72
loans originated, 2025
93
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capitol Bank makes big purchase loans, and in 2025 it took 0.5% of a new market, Rochester, MN.
Home purchases made up 79.2% of its 72 loans. Its typical loan was $355,000, about double the $170,000 at similar lenders, state non-member banks making between half and twice as many loans. That is higher than about nine in ten of them. Every loan was conventional.
In Rochester, MN, new in 2025, it ranked 41 of 276 lenders with 0.5%. In Madison, its largest market since 1997, its share fell 0.1 points to 0.3%, ranking 51 of 380. Lending moved to Rochester is one possible reason for the lower Madison share.
It made 72 loans, down 5% from 76, while similar lenders grew 9%. In 2020 it made 459 loans worth $167.2 million. Its count has stayed between 57 and 76 since 2023.
Low- and moderate-income (LMI) neighborhoods took 6.9% of its loans, against 18.5% at similar lenders. LMI borrowers took 14.9%, against 27.3%. Both are lower than at most peers. Its larger purchase loans and the markets it serves are possible reasons.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capitol Bank took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.2% · Refinance 13.9% · Other 5.6% · Home improvement 1.4%
Conventional 100.0% · of 72 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 71 | 98.6% |
| Minnesota | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 56 |
| Milwaukee-Waukesha | 4 |
| Green Bay | 2 |
| Janesville-Beloit | 2 |
| La Crosse-Onalaska | 1 |
| Rochester | 1 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006SBIS8ROWE8X84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2339599 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334074 | 1997–2017 |
Established 9 October 1995. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Capitol Bank's data.
Capitol Bank's data
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Capitol Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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