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.

Today's Rates

Personalized Quote

Click on rates above for details and disclosures
APR = Annual Percentage Rate


Looking for the mortgage that will help make your dream home a reality? Look no further than Capitol Bank!

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.


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 find out our current mortgage rates.

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

Construction loans can help you start building your dream home.

Start building your dream home today at a great starting rate of 6.49% with an APR of only 8.935%*. Apply for a new construction loan with this great rate. Don’t delay your building process as rates are always subject to change.

*APR=Annual Percentage Rate. Financing available for a 9 month rate at 6.49% and 8.935% APR based on $300,000 loan that requires 8 monthly interest payments ranging from $746.79 to $826.81 and one balloon payment of $300,826.81. Offer applies to owner-occupied single unit residential construction, maximum 80% loan-to-value. Property must be located in Dane County. Limited time offer starting 10/24/2023. Subject to change without notice. Subject to credit approval. Some restrictions may apply. Consult your tax adviser on interest deductibility. Other fees may apply.

Capitol Advantage Home Equity Line of Credit.

*Capitol Bank’s Capitol Advantage Home Equity Line of Credit (HELOC) is a limited time offer and is subject to change. The introductory Annual Percentage Rate (APR) for qualified applicants is 5.99% for the first 6 months following closing, with a variable APR as low as 4% thereafter. After the introductory period ends, the APR will vary to reflect changes in an index, but will not be lower than 4%. Without this introductory APR, using the index rate of 8.50% and a margin of 0%, the APR would be the minimum rate of 8.50%. Using the index rate and a margin of 2.5%, the APR would be 11.00%.

Physician’s Loan

As a Physician, you’re a high net worth individual and your financial situation is unique. The structure of traditional mortgages does not align with your financial story. For this reason Capitol Bank has created a mortgage program that flexes in the right places. See below for details and disclaimers.

Less Down

Smaller down payment than standard loans and no private mortgage insurance (PMI)*.

Competitive Rates

To provide lower rates, our mortgages have adjustable rates (ARMs).

Up to $750K

Borrow up to $750,000 to buy your first home or refinance the mortgage you have.

Student Loans

Student loans are counted as only 1% of the outstanding balance.

Offer valid for purchase or refinancing of single family homes only. The property in question must be the primary residence of the individual securing the loan. Applicant must start employment in the medical field within 60 days of closing on the loan. Capitol Bank must receive proof of employment commitment prior to loan closing. Applicant needs a contract for residency or employment or must currently be employed as a physician, fellow, or resident. This offer is for medical doctors only as defined by the U.S. federal government. The maximum loan amount for this offer is $750,000. Subject to credit approval. Terms and conditions subject to change without notice.

Mortgage Resource Center

Online Mortgage Resource Center from Capitol Bank in Madison and Verona, WI
Access our full suite of Mortgage Tools online.
  • Apply for a loan
  • See current mortgage rates
  • Calculate a variety of payment scenarios
  • View Disclosures
  • Find our NMLS Information

Mortgage Lending Team

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

Get In Touch

Let’s start a conversation.

To start your application, see our current mortgage rates, and more, visit the Mortgage Resource Center.