Home Loans

Work with Capitol Bank to get the best rate, the right terms, and low closing costs–quickly and efficiently.

A Variety of Loan Options to Fit your Needs

Capitol Bank offers a variety of mortgage and home equity loan options for your unique needs, and our experienced mortgage lenders will walk you through each step of the process. Easy, stress-free home loans are right here at Capitol Bank in Madison, Wisconsin! We offer first mortgage loans for your home, second home or investment property, including 15-year fixed, 30-year fixed, and other term loans. We also offer home equity loans or lines of credit to fit your needs.

Fixed Rate Mortgages

Get peace of mind with a consistent mortgage payment. With a fixed rate mortgage, the payment remains the same over the life of the loan. You can choose from different amortization periods, and you’re protected against rising interest rates.

Learn More


Construction Loans & Lot Loans

Whether you already own a lot and want to start building, or if you need to purchase a lot with the plan of eventually building, we can help. Each construction situation is unique, and we’d love to talk to you about yours.

Construction Loans   Lot Loans

Jumbo Mortgages

Jumbo Mortgages are a great solution if you are in need of a loan which exceeds the conforming loan amount. The Federal Housing Finance Agency approves the conforming loan limit annually.

Learn More

Adjustable-rate Mortgages

A lower rate for the first few years of home ownership might be the best fit for you, especially if you don’t plan on owning the home long-term. With an Adjustable-rate Mortgage (ARM), the rate is set for an initial period, but can change later on.

Learn More

Home Equity Line of Credit (HELOC)

If you are looking to use the equity in your home for things like home improvements, debt consolidation, vacations, or more but don’t want to give up your first mortgage interest rate, a home equity line of credit is the perfect solution.

Learn More

Investment Property Loans

If you are looking to finance a 1-4 family income property, Capitol Bank is here for you. Work with one of our expert Mortgage Lenders if you own the property in your personal name, or one of our Commercial Lenders if you will hold title in a LLC or if the property is more than 4 units

Learn More

Physician’s Loans

As a Physician, your financial situation may be unique. We can help you with low down payment options and unique treatment of deferred student loans.

Learn More


Are you a First Time Homebuyer? WHEDA (Wisconsin Housing and Economic Development Authority) is a program for first-time homebuyers with low or no down payment options. We love to work with borrowers purchasing their first home and we are available for you every step of the way.

Learn More

Local Loan Servicing

You’ll deal with a single point of contact throughout the process. Most of our loans are serviced at Capitol Bank so you’ll know exactly who to call with questions.

Outstanding Personal Service

Our Mortgage Lenders have worked at Capitol Bank for a combined 45 years. They know how much homeownership means to you and how make the process easy and pleasant.

Options Customized To You

Here at Capitol Bank we do more than standard home loans. While a big part of our offering, we recognize that your needs and financial situation varies and you need loan products that deliver.

Easy Online Application

Apply online in 3 easy steps:

  1. Apply now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed.

  3. A Capitol Bank Loan Officer will follow up to answer your questions.

Competitive Rates

We strive to provide competitive mortgage rates compared to other banks and mortgage companies in Madison, Wisconsin. Visit the Mortgage Resource Center or Contact Us to explore competitive rates and mortgage options. 

Get a Personalized Mortgage Rate Quote

white icon of percent sign in circle


Explore our competitive rates or request a personalized quote.

View Rates

white icon of laptop with card

Digital Banking

Digital banking offers the security of traditional banking plus more flexibility.

Learn More

white icon of calendar

Schedule an Appointment

Use our contact form to schedule an appointment with an experienced banker.

Schedule Now

Some content requires Adobe Acrobat Reader to view.