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.

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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.

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Mortgage Options

Comparison table of Mortgage Options
Product/Term	Interest Rate	APR^*	Learn More
30 Year Fixed Rate	7.250%	7.292%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. 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 780. At a 7.250% interest rate, the APR for this loan type is 7.292%. The payment schedule would be: 359 payments of $2,046.53 at an interest rate of 7.250% 1 payment of $2,046.12 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.
15 Year Fixed Rate	6.750%	6.816%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. 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 780. At a 6.750% interest rate, the APR for this loan type is 6.816%. The payment schedule would be: 179 payments of $2,654.73 at an interest rate of 6.750% 1 payment of $2,654.39 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.
Residential 5/1 Portfolio T-Bill ARM	6.250%	7.031%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. 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 780. At a 6.250% initial interest rate, the APR for this loan type is 7.031%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,847.15 at an interest rate of 6.250% 299 payments of $2,069.26 at an interest rate of 7.500% 1 payment of $2,069.99 at an interest rate of 7.500% 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	6.750%	7.143%	Learn More The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. 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 780. At a 6.750% initial interest rate, the APR for this loan type is 7.143%, subject to increase. Based on current market conditions, the payment schedule would be: 84 payments of $1,945.79 at an interest rate of 6.750% 275 payments of $2,073.74 at an interest rate of 7.500% 1 payment of $2,074.12 at an interest rate of 7.500% 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.

Home Loans

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

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First-Time Homebuyers

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Homebuying
Process

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Mortgage Lending Team

Our experienced mortgage lenders will walk you through each step of the process. Contact us to learn more about Residential Lending.

Jessica Duren Senior Vice President/ Director of Private Banking and Mortgage Lending 608-836-4102 Email Jessica NMLS ID: 709652

Jessica Duren
Senior Vice President/ Director of Private Banking and Mortgage Lending NMLS ID: 709652
608-836-4102 Email Jessica

Jessica is a relationship-driven community banker with a deep commitment to helping clients navigate complex financial decisions with confidence. She focuses on delivering a seamless, client-first experience—whether structuring customized financing solutions or advising on deposit options—always with a keen respect for her clients’ time. Jessica brings more than 30 years of industry experience to Capitol Bank, where she joined in 2026 to lead the Private Banking and Mortgage Lending teams.

Originally from Wisconsin’s driftless area, Jessica remains closely connected to her small-town roots and is an active community volunteer. Outside of work, she enjoys spending time with her young grandchildren, supporting local sports teams, and exploring hidden-gem shops and cafés throughout the region.

Cori Femrite Assistant Vice President/Mortgage Lending 608-836-4109 Email Cori NMLS ID: 594085

Cori Femrite
Assistant Vice President/Mortgage Lending NMLS ID: 594085
608-836-4109 Email Cori

Cori earned an associate degree in general business management. As an Assistant Vice President/Mortgage Lending at Capitol Bank, she specializes in mortgage lending for purchase or refinance of one-to-four units. She was recognized as the Women’s Council of Realtors’ Member of the Year in 2014. Cori lives in Monticello with her spouse and three sons.

She enjoys sports, going to her cabin Up North, and playing cards with family and friends.

Amy Gile-Enge Senior Vice President/Mortgage Lending 608-836-4307 Email Amy NMLS ID: 586017

Amy Gile-Enge
Senior Vice President/Mortgage Lending NMLS ID: 586017
608-836-4307 Email Amy

Amy earned a Bachelor of Business Administration in marketing at UW-Whitewater. She has been a mortgage lender in Dane County for 30 years and was recognized as WMBA Mortgage Banker of the Year in 2023. She was the President of the Wisconsin Mortgage Banker's Association from June 2024-May 2025. As a Senior Vice President/Mortgage Lending at Capitol Bank, she seeks creative solutions to help her customers find the mortgage that fit their needs.

Outside of the office, Amy is involved with the American Heart Association, Realtors Association of South Central Wisconsin and Waunakee Chamber of Commerce. She volunteers with the Ronald McDonald House of Madison. Amy lives in Waunakee with her husband and their dog. She has two adult children and loves visiting Wisconsin supper clubs, boating and taking warm-weather vacations.

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Investments

Interested in Investing? Contact Us. We’ll tell you all about CDs and other products we offer.

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Help Center

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Mortgages

Mortgages

Competitive Rates

Easy Online Application

Local Loan Servicing

Outstanding Personal Service

Variety of Loan Types