Mortgage in Madison

Mortgages

Our experienced mortgage lenders will walk you through each step of the process. Capitol Bank offers 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.

Call (608) 291-7933 Contact a Mortgage Lender

We strive to provide competitive mortgage rates compared to other banks and mortgage companies in Madison, Wisconsin. Visit the Mortgage Resource Center or our rates page for more details.

Apply online in 3 easy steps:

Apply now and complete the application.
When you have completed the application, click submit and your information will be reviewed for instant online approval.
A Capitol Bank Loan Officer will follow up to answer your questions.

You’ll deal with a single point of contact throughout the process. Many of our loans we handle in-house so you’ll know exactly who to call with questions.

Our Mortgage Lenders have worked at Capitol Bank a combined 45 years. They know what it means to make the process easy and pleasant.

Purchase home loans
Refinance home loans
Construction home loans
Home equity lines of credit
Home equity fixed payment loans
Physician’s Loan

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Competitive Rates

We update our mortgage interest rates daily so be sure to check back often. Contact us for a personal quote or to discuss the various options that we offer.

Mortgage Options

Comparison table of Mortgage Options
Product/Term	Interest Rate	APR^*	Learn More
30 Year Fixed Rate	6.750%	6.832%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 6.750% interest rate, the APR for this loan type is 6.832%. The payment schedule would be: 359 payments of $972.90 at an interest rate of 6.750% 1 payment of $971.91 at an interest rate of 6.750% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed Rate	6.250%	6.381%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 6.250% interest rate, the APR for this loan type is 6.381%. The payment schedule would be: 179 payments of $1,286.13 at an interest rate of 6.250% 1 payment of $1,286.84 at an interest rate of 6.250% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Residential 5/1 Portfolio T-Bill ARM	6.875%	7.179%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 6.875% initial interest rate, the APR for this loan type is 7.179%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $985.39 at an interest rate of 6.875% 299 payments of $1,019.21 at an interest rate of 7.250% 1 payment of $1,019.26 at an interest rate of 7.250% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Residential 7/1 Portfolio T-Bill ARM	7.250%	7.334%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 7.250% initial interest rate, the APR for this loan type is 7.334%, subject to increase. Based on current market conditions, the payment schedule would be: 359 payments of $1,023.26 at an interest rate of 7.250% 1 payment of $1,024.77 at an interest rate of 7.250% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.