Mortgages

We make getting a loan for buying a new home or refinancing your existing one easy and stress-free for all of our Madison area neighbors.

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.

Explore Loan Options   Contact a Mortgage Lender

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 our rates page for more details.

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 for instant online approval.
  3. A Capitol Bank Loan Officer will follow up to answer your questions.

Local Loan Servicing

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.

Outstanding Personal Service

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

Variety of Loan Types

  • 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 6.375% 6.455% Learn More
15 Year Fixed Rate 6.375% 6.507% Learn More
Residential 5/1 Portfolio T-Bill ARM 7.500% 7.875% 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 7.500% initial interest rate, the APR for this loan type is 7.875%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 60 payments of $1,048.82 at an interest rate of 7.500%
  • 299 payments of $1,095.41 at an interest rate of 8.000%
  • 1 payment of $1,095.24 at an interest rate of 8.000%

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 7.750% 7.951% 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 7.750% initial interest rate, the APR for this loan type is 7.951%, subject to increase. Based on current market conditions, the payment schedule would be:

  • 84 payments of $1,074.62 at an interest rate of 7.750%
  • 275 payments of $1,096.88 at an interest rate of 8.000%
  • 1 payment of $1,097.03 at an interest rate of 8.000%

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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Get Pre-Qualified

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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.

Cori Femrite
Cori Femrite Assistant Vice President/Mortgage Lending 608-836-4109 Email Cori NMLS ID: 594085
Amy Gile-Enge
Amy Gile-Enge Senior Vice President/Mortgage Lending 608-836-4307 Email Amy NMLS ID: 586017
Brendon O'Shea
Brendon O'Shea Mortgage Loan Originator 608-836-4322 Email Brendon NMLS ID: 761031

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Got Questions?

Let's talk. Get in touch with us for more information or if you have questions. We're happy to help.

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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

Visit our Help Center for documents, quick links and resources to get quick answers to your questions.

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