Capitol Federal Savings Mortgage Lending & HMDA Data, 2003

In 2003, Capitol Federal Savings of Topeka, KS reported 12,462 mortgage applications totaling $1.7 billion. The average application was for $134,964, and applicants reported an average income of $63,418. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita, KS (2,381), Topeka, KS (1,433) and Kansas City, MO-KS (1,408) (applications in parentheses).

Mortgage Company & Address Capitol Federal Savings
700 S. Kansas Ave
Topeka, KS 66601
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 12,462
Total Mortgage Loan Application Amount $1,681,923,000
Average Mortgage Loan Application Amount $134,964
Highest Mortgage Loan Application Amount $3,750,000
Average Applicant Income $63,418
Highest Applicant Income $2,910,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitol Federal Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Capitol Federal Savings by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 4,889 $ 751,256,000 $ 153,662 $ 79,000
Sedgwick, Kansas 2,175 $ 230,754,000 $ 106,093 $ 49,000
Shawnee, Kansas 1,433 $ 137,768,000 $ 96,139 $ 65,000
Jackson, Missouri 975 $ 126,435,000 $ 129,676 $ 67,000
Douglas, Kansas 613 $ 75,750,000 $ 123,572 $ 66,000
Wyandotte, Kansas 340 $ 25,630,000 $ 75,382 $ 55,000
Clay, Missouri 212 $ 28,745,000 $ 135,589 $ 67,000
Riley, Kansas 207 $ 19,730,000 $ 95,314 $ 73,000
Lyon, Kansas 186 $ 14,484,000 $ 77,870 $ 47,000
Saline, Kansas 184 $ 15,313,000 $ 83,222 $ 50,000
Butler, Kansas 179 $ 20,660,000 $ 115,418 $ 70,000
Platte, Missouri 133 $ 24,451,000 $ 183,842 $ 97,000
Cass, Missouri 85 $ 12,200,000 $ 143,529 $ 74,000
Miami, Kansas 76 $ 12,530,000 $ 164,868 $ 82,000
St. Louis, Missouri 69 $ 26,864,000 $ 389,333 $ 0
Leavenworth, Kansas 63 $ 8,976,000 $ 142,476 $ 77,000
Pottawatomie, Kansas 61 $ 4,793,000 $ 78,573 $ 64,000
Jefferson, Kansas 53 $ 4,850,000 $ 91,509 $ 57,000
Harvey, Kansas 27 $ 2,464,000 $ 91,259 $ 71,000
Cook, Illinois 24 $ 10,532,000 $ 438,833 $ 0
Osage, Kansas 23 $ 2,085,000 $ 90,652 $ 61,000
Lake, Illinois 20 $ 8,475,000 $ 423,750 $ 0
DuPage, Illinois 19 $ 7,496,000 $ 394,526 $ 0
Wabaunsee, Kansas 18 $ 1,623,000 $ 90,166 $ 68,000
Hennepin, Minnesota 17 $ 4,505,000 $ 265,000 $ 0
Jackson, Kansas 16 $ 1,430,000 $ 89,375 $ 56,000
Maricopa, Arizona 15 $ 5,408,000 $ 360,533 $ 0
King, Washington 15 $ 5,123,000 $ 341,533 $ 0
Sumner, Kansas 13 $ 873,000 $ 67,153 $ 61,000
Franklin, Kansas 11 $ 1,025,000 $ 93,181 $ 69,000
Skagit, Washington 9 $ 1,924,000 $ 213,777 $ 0
Waukesha, Wisconsin 9 $ 4,273,000 $ 474,777 $ 0
Boulder, Colorado 8 $ 2,578,000 $ 322,250 $ 0
Chase, Kansas 8 $ 562,000 $ 70,250 $ 48,000
Dickinson, Kansas 8 $ 456,000 $ 57,000 $ 62,000
Geary, Kansas 8 $ 543,000 $ 67,875 $ 54,000
Johnson, Iowa 7 $ 1,584,000 $ 226,285 $ 0
McPherson, Kansas 7 $ 677,000 $ 96,714 $ 78,000
Ottawa, Kansas 7 $ 484,000 $ 69,142 $ 47,000
Cass, North Dakota 6 $ 1,072,000 $ 178,666 $ 0
Harris, Texas 6 $ 3,158,000 $ 526,333 $ 0
Fayette, Kentucky 5 $ 623,000 $ 124,600 $ 0
St. Charles, Missouri 5 $ 1,434,000 $ 286,800 $ 0
Davis, Utah 5 $ 1,749,000 $ 349,800 $ 0
Will, Illinois 4 $ 1,366,000 $ 341,500 $ 0
Clay, Kansas 4 $ 347,000 $ 86,750 $ 96,000
Reno, Kansas 4 $ 467,000 $ 116,750 $ 46,000
Oakland, Michigan 4 $ 1,521,000 $ 380,250 $ 0
St. Louis City, Missouri 4 $ 1,481,000 $ 370,250 $ 0
Salt Lake, Utah 4 $ 1,247,000 $ 311,750 $ 0
Utah, Utah 4 $ 1,495,000 $ 373,750 $ 0
Denver, Colorado 3 $ 1,474,000 $ 491,333 $ 0
Douglas, Colorado 3 $ 1,125,000 $ 375,000 $ 0
El Paso, Colorado 3 $ 1,092,000 $ 364,000 $ 0
Summit, Colorado 3 $ 1,317,000 $ 439,000 $ 0
Fulton, Georgia 3 $ 1,353,000 $ 451,000 $ 0
Kane, Illinois 3 $ 1,278,000 $ 426,000 $ 0
Polk, Iowa 3 $ 857,000 $ 285,666 $ 0
Wayne, Michigan 3 $ 1,174,000 $ 391,333 $ 0
Douglas, Nebraska 3 $ 1,006,000 $ 335,333 $ 0
Lancaster, Nebraska 3 $ 834,000 $ 278,000 $ 0
Monmouth, New Jersey 3 $ 1,116,000 $ 372,000 $ 0
Franklin, Ohio 3 $ 673,000 $ 224,333 $ 0
Milwaukee, Wisconsin 3 $ 1,102,000 $ 367,333 $ 0
Ozaukee, Wisconsin 3 $ 1,640,000 $ 546,666 $ 0
Eagle, Colorado 2 $ 1,746,000 $ 873,000 $ 0
Jefferson, Colorado 2 $ 649,000 $ 324,500 $ 0
Collier, Florida 2 $ 864,000 $ 432,000 $ 0
Lee, Florida 2 $ 1,311,000 $ 655,500 $ 0
Boone, Indiana 2 $ 706,000 $ 353,000 $ 0
Cloud, Kansas 2 $ 166,000 $ 83,000 $ 62,000
Coffey, Kansas 2 $ 112,000 $ 56,000 $ 50,000
Greenwood, Kansas 2 $ 116,000 $ 58,000 $ 48,000
Harper, Kansas 2 $ 195,000 $ 97,500 $ 63,000
Kingman, Kansas 2 $ 193,000 $ 96,500 $ 61,000
St. Clair, Michigan 2 $ 842,000 $ 421,000 $ 0
Washtenaw, Michigan 2 $ 898,000 $ 449,000 $ 0
Anoka, Minnesota 2 $ 279,000 $ 139,500 $ 0
Carver, Minnesota 2 $ 687,000 $ 343,500 $ 0
Olmsted, Minnesota 2 $ 919,000 $ 459,500 $ 0
Ramsey, Minnesota 2 $ 800,000 $ 400,000 $ 0
Scott, Minnesota 2 $ 548,000 $ 274,000 $ 0
Jefferson, Missouri 2 $ 495,000 $ 247,500 $ 0
Ray, Missouri 2 $ 285,000 $ 142,500 $ 89,000
Yellowstone, Montana 2 $ 485,000 $ 242,500 $ 0
Sarpy, Nebraska 2 $ 298,000 $ 149,000 $ 0
Mecklenburg, North Carolina 2 $ 544,000 $ 272,000 $ 0
Wake, North Carolina 2 $ 952,000 $ 476,000 $ 0
Tulsa, Oklahoma 2 $ 682,000 $ 341,000 $ 0
Greenville, South Carolina 2 $ 816,000 $ 408,000 $ 0
Montgomery, Texas 2 $ 734,000 $ 367,000 $ 0
Travis, Texas 2 $ 1,051,000 $ 525,500 $ 0
Virginia Beach, Virginia 2 $ 229,000 $ 114,500 $ 0
Spokane, Washington 2 $ 639,000 $ 319,500 $ 0
Whatcom, Washington 2 $ 289,000 $ 144,500 $ 0
Jefferson, Alabama 1 $ 200,000 $ 200,000 $ 0
Shelby, Alabama 1 $ 372,000 $ 372,000 $ 0
Pima, Arizona 1 $ 416,000 $ 416,000 $ 0
Yuma, Arizona 1 $ 158,000 $ 158,000 $ 0
Benton, Arkansas 1 $ 281,000 $ 281,000 $ 0
Johnson, Arkansas 1 $ 105,000 $ 105,000 $ 0
Adams, Colorado 1 $ 483,000 $ 483,000 $ 0
Arapahoe, Colorado 1 $ 498,000 $ 498,000 $ 0
Mesa, Colorado 1 $ 469,000 $ 469,000 $ 0
Alachua, Florida 1 $ 455,000 $ 455,000 $ 0
Bay, Florida 1 $ 379,000 $ 379,000 $ 0
Escambia, Florida 1 $ 595,000 $ 595,000 $ 0
Hillsborough, Florida 1 $ 168,000 $ 168,000 $ 0
Leon, Florida 1 $ 630,000 $ 630,000 $ 0
Marion, Florida 1 $ 473,000 $ 473,000 $ 0
Okaloosa, Florida 1 $ 488,000 $ 488,000 $ 0
Orange, Florida 1 $ 550,000 $ 550,000 $ 0
Pinellas, Florida 1 $ 492,000 $ 492,000 $ 0
Volusia, Florida 1 $ 392,000 $ 392,000 $ 0
Walton, Florida 1 $ 553,000 $ 553,000 $ 0
Chatham, Georgia 1 $ 458,000 $ 458,000 $ 0
Cobb, Georgia 1 $ 395,000 $ 395,000 $ 0
Gwinnett, Georgia 1 $ 186,000 $ 186,000 $ 0
Madison, Illinois 1 $ 378,000 $ 378,000 $ 0
McHenry, Illinois 1 $ 482,000 $ 482,000 $ 0
Hamilton, Indiana 1 $ 422,000 $ 422,000 $ 0
Lake, Indiana 1 $ 223,000 $ 223,000 $ 0
Marion, Indiana 1 $ 417,000 $ 417,000 $ 0
Porter, Indiana 1 $ 357,000 $ 357,000 $ 0
Linn, Iowa 1 $ 245,000 $ 245,000 $ 0
Scott, Iowa 1 $ 271,000 $ 271,000 $ 0
Cowley, Kansas 1 $ 24,000 $ 24,000 $ 48,000
Lincoln, Kansas 1 $ 79,000 $ 79,000 $ 29,000
Marion, Kansas 1 $ 38,000 $ 38,000 $ 110,000
Wilson, Kansas 1 $ 94,000 $ 94,000 $ 78,000
Boyle, Kentucky 1 $ 191,000 $ 191,000 $ 0
Jefferson, Kentucky 1 $ 409,000 $ 409,000 $ 0
Scott, Kentucky 1 $ 208,000 $ 208,000 $ 0
Montgomery, Maryland 1 $ 382,000 $ 382,000 $ 0
Middlesex, Massachusetts 1 $ 323,000 $ 323,000 $ 0
Berrien, Michigan 1 $ 349,000 $ 349,000 $ 0
Livingston, Michigan 1 $ 443,000 $ 443,000 $ 0
Van Buren, Michigan 1 $ 172,000 $ 172,000 $ 0
Chisago, Minnesota 1 $ 445,000 $ 445,000 $ 0
Dakota, Minnesota 1 $ 110,000 $ 110,000 $ 0
Washington, Minnesota 1 $ 295,000 $ 295,000 $ 0
Bates, Missouri 1 $ 50,000 $ 50,000 $ 40,000
Clinton, Missouri 1 $ 172,000 $ 172,000 $ 99,000
Greene, Missouri 1 $ 99,000 $ 99,000 $ 0
Platte, Nebraska 1 $ 130,000 $ 130,000 $ 0
Clark, Nevada 1 $ 395,000 $ 395,000 $ 0
Hillsborough, New Hampshire 1 $ 245,000 $ 245,000 $ 0
Rockingham, New Hampshire 1 $ 275,000 $ 275,000 $ 0
Cape May, New Jersey 1 $ 499,000 $ 499,000 $ 0
Guilford, North Carolina 1 $ 489,000 $ 489,000 $ 0
Montgomery, North Carolina 1 $ 533,000 $ 533,000 $ 0
Orange, North Carolina 1 $ 150,000 $ 150,000 $ 0
Cuyahoga, Ohio 1 $ 92,000 $ 92,000 $ 0
Portage, Ohio 1 $ 390,000 $ 390,000 $ 0
Clackamas, Oregon 1 $ 377,000 $ 377,000 $ 0
York, South Carolina 1 $ 161,000 $ 161,000 $ 0
Williamson, Tennessee 1 $ 539,000 $ 539,000 $ 0
Bexar, Texas 1 $ 210,000 $ 210,000 $ 0
Collin, Texas 1 $ 473,000 $ 473,000 $ 0
Dallas, Texas 1 $ 147,000 $ 147,000 $ 0
Denton, Texas 1 $ 380,000 $ 380,000 $ 0
Fort Bend, Texas 1 $ 395,000 $ 395,000 $ 0
Tarrant, Texas 1 $ 248,000 $ 248,000 $ 0
Summit, Utah 1 $ 340,000 $ 340,000 $ 0
Tooele, Utah 1 $ 118,000 $ 118,000 $ 0
Washington, Utah 1 $ 314,000 $ 314,000 $ 0
Chesapeake, Virginia 1 $ 213,000 $ 213,000 $ 0
Fairfax, Virginia 1 $ 427,000 $ 427,000 $ 0
Montgomery, Virginia 1 $ 158,000 $ 158,000 $ 0
Prince William, Virginia 1 $ 328,000 $ 328,000 $ 0
Benton, Washington 1 $ 450,000 $ 450,000 $ 0
Chelan, Washington 1 $ 97,000 $ 97,000 $ 0
Clark, Washington 1 $ 124,000 $ 124,000 $ 0
Island, Washington 1 $ 240,000 $ 240,000 $ 0
Kitsap, Washington 1 $ 458,000 $ 458,000 $ 0
Snohomish, Washington 1 $ 390,000 $ 390,000 $ 0
Dane, Wisconsin 1 $ 342,000 $ 342,000 $ 0
Albany, Wyoming 1 $ 82,000 $ 82,000 $ 0

Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2003

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing (home purchase or home improvement, one-to-four family) 8,216 $1,076,124,000 $309,088 $1,600,000 $4,000 $2,910,000
Home Purchase (one-to-four family) 4,110 $599,855,000 $335,958 $1,400,000 $5,583 $2,000,000
Home Improvement (one-to-four family) 134 $1,163,000 $8,500 $60,000 $55,500 $834,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 2 $4,781,000 $2,390,000 $3,750,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 10,890 $1,403,624,000 $422,333 $1,600,000 $49,333 $2,910,000
Not applicable 454 $162,829,000 $329,352 $3,750,000 $0 $0
Black 405 $36,641,000 $95,000 $700,000 $56,000 $664,000
Asian or Pacific Islander 310 $39,744,000 $119,000 $576,000 $74,000 $500,000
Hispanic 294 $26,437,000 $88,000 $590,000 $60,500 $232,000
Other 56 $7,127,000 $120,500 $600,000 $64,000 $424,000
American Indian or Alaskan Native 50 $5,326,000 $119,500 $393,000 $76,000 $240,000
Information not provided by applicant in mail or telephone application 3 $195,000 $56,000 $120,000 $149,500 $431,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 12,462 $1,681,923,000 $315,088 $3,750,000 $3,911 $2,910,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 10,275 $1,286,564,000 $418,666 $3,750,000 $47,666 $2,910,000
Application Denied By Financial Institution 523 $64,867,000 $124,500 $999,000 $57,000 $584,000
Application Approved But Not Accepted 491 $71,100,000 $141,000 $725,000 $82,000 $500,000
Loan Purchased By The Institution 445 $157,592,000 $325,764 $772,000 $0 $0
Application Withdrawn By Applicant 396 $56,966,000 $176,000 $1,600,000 $82,500 $1,177,000
File Closed For Incompleteness 332 $44,834,000 $132,000 $812,000 $81,500 $785,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 188 $19,550,000 $107,500 $540,000 $51,000 $360,000
Debt-To-Income Ratio 158 $21,819,000 $137,500 $999,000 $54,000 $242,000
Collateral 77 $9,969,000 $134,500 $500,000 $66,500 $237,000
Other 48 $6,785,000 $140,000 $700,000 $80,500 $584,000
Employment History 38 $4,869,000 $116,000 $348,000 $52,500 $431,000
Unverifiable Information 10 $1,226,000 $122,000 $184,000 $18,000 $52,000
Insufficient Cash (Downpayment, Closing Cost) 2 $229,000 $114,500 $125,000 $51,500 $58,000
Mortgage Insurance Denied 2 $420,000 $210,000 $275,000 $83,000 $102,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Capitol Federal Savings's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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