Capitol Federal Savings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Capitol Federal Savings 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 6,283 |
| Total Mortgage Loan Application Amount | $1,055,958,000 |
| Average Mortgage Loan Application Amount | $137,666 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $94,333 |
| Highest Applicant Income | $3,397,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Capitol Federal Savings. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Capitol Federal Savings's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Capitol Federal Savings's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Capitol Federal Savings serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitol Federal Savings, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Capitol Federal Savings's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Kansas | 1,739 | $ 358,561,000 | $ 206,000 | $ 121,000 |
| Sedgwick County Kansas | 1,343 | $ 184,613,000 | $ 137,000 | $ 85,000 |
| Shawnee County Kansas | 567 | $ 68,628,000 | $ 121,000 | $ 79,000 |
| Jackson County Missouri | 363 | $ 61,119,000 | $ 168,000 | $ 94,000 |
| Douglas County Kansas | 278 | $ 41,912,000 | $ 150,000 | $ 88,000 |
| Clay County Missouri | 168 | $ 32,580,000 | $ 193,000 | $ 108,000 |
| Riley County Kansas | 123 | $ 16,129,000 | $ 131,000 | $ 83,000 |
| Butler County Kansas | 109 | $ 16,163,000 | $ 148,000 | $ 95,000 |
| Wyandotte County Kansas | 97 | $ 10,304,000 | $ 106,000 | $ 66,000 |
| St. Louis County Missouri | 86 | $ 31,179,000 | $ 362,000 | $ 188,000 |
| Greene County Missouri | 79 | $ 17,916,000 | $ 226,000 | $ 166,000 |
| Platte County Missouri | 67 | $ 16,104,000 | $ 240,000 | $ 122,000 |
| Cass County Missouri | 58 | $ 18,861,000 | $ 325,000 | $ 204,000 |
| Lyon County Kansas | 57 | $ 5,253,000 | $ 92,000 | $ 60,000 |
| Pottawatomie County Kansas | 53 | $ 5,848,000 | $ 110,000 | $ 66,000 |
| Saline County Kansas | 51 | $ 5,144,000 | $ 100,000 | $ 57,000 |
| Miami County Kansas | 48 | $ 8,441,000 | $ 175,000 | $ 100,000 |
| Leavenworth County Kansas | 28 | $ 5,080,000 | $ 181,000 | $ 91,000 |
| St. Charles County Missouri | 25 | $ 5,284,000 | $ 211,000 | $ 93,000 |
| Christian County Missouri | 21 | $ 5,116,000 | $ 243,000 | $ 107,000 |
| Jefferson County Kansas | 19 | $ 2,528,000 | $ 133,000 | $ 73,000 |
| Osage County Kansas | 16 | $ 1,555,000 | $ 97,000 | $ 55,000 |
| Boone County Missouri | 13 | $ 1,748,000 | $ 134,000 | $ 82,000 |
| Harvey County Kansas | 11 | $ 1,309,000 | $ 119,000 | $ 73,000 |
| Jefferson County Missouri | 11 | $ 2,230,000 | $ 202,000 | $ 90,000 |
| Jackson County Kansas | 9 | $ 1,001,000 | $ 111,000 | $ 58,000 |
| Wabaunsee County Kansas | 6 | $ 986,000 | $ 164,000 | $ 106,000 |
| Coffey County Kansas | 5 | $ 678,000 | $ 135,000 | $ 94,000 |
| Dickinson County Kansas | 5 | $ 581,000 | $ 116,000 | $ 66,000 |
| Sumner County Kansas | 5 | $ 660,000 | $ 132,000 | $ 78,000 |
| Camden County Missouri | 5 | $ 2,383,000 | $ 476,000 | $ 234,000 |
| St. Louis City County Missouri | 5 | $ 952,000 | $ 190,000 | $ 116,000 |
| Franklin County Kansas | 4 | $ 368,000 | $ 92,000 | $ 45,000 |
| Clinton County Missouri | 4 | $ 1,030,000 | $ 257,000 | $ 78,000 |
| Geary County Kansas | 3 | $ 474,000 | $ 158,000 | $ 77,000 |
| Kingman County Kansas | 3 | $ 383,000 | $ 127,000 | $ 113,000 |
| Morgan County Missouri | 3 | $ 421,000 | $ 140,000 | $ 201,000 |
| Chase County Kansas | 2 | $ 144,000 | $ 72,000 | $ 46,000 |
| Cloud County Kansas | 2 | $ 127,000 | $ 63,000 | $ 46,000 |
| McPherson County Kansas | 2 | $ 218,000 | $ 109,000 | $ 73,000 |
| Morris County Kansas | 2 | $ 314,000 | $ 157,000 | $ 116,000 |
| Reno County Kansas | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Callaway County Missouri | 2 | $ 260,000 | $ 130,000 | $ 72,000 |
| Franklin County Missouri | 2 | $ 296,000 | $ 148,000 | $ 76,000 |
| Johnson County Missouri | 2 | $ 354,000 | $ 177,000 | $ 63,000 |
| Clay County Kansas | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Cowley County Kansas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Greenwood County Kansas | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Benton County Missouri | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Ray County Missouri | 1 | $ 268,000 | $ 268,000 | $ 59,000 |
| Saline County Missouri | 1 | $ 68,000 | $ 68,000 | $ 64,000 |
| Stone County Missouri | 1 | $ 360,000 | $ 360,000 | $ 200,000 |
| Warren County Missouri | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Webster County Missouri | 1 | $ 190,000 | $ 190,000 | $ 97,000 |
| Collin County Texas | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2007
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,138 | $746,969,000 | $180,000 | $1,450,000 | $95,000 | $1,999,000 |
| Refinancing | 1,823 | $283,808,000 | $155,000 | $1,600,000 | $102,000 | $3,397,000 |
| Home Improvement | 322 | $25,181,000 | $78,000 | $1,313,000 | $86,000 | $721,000 |
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 | 5,173 | $890,537,000 | $172,000 | $1,450,000 | $99,000 | $3,397,000 |
| Not Provided | 391 | $56,766,000 | $145,000 | $900,000 | $99,000 | $1,999,000 |
| Black or African American | 217 | $24,105,000 | $111,000 | $600,000 | $67,000 | $1,074,000 |
| Hispanic | 211 | $27,737,000 | $131,000 | $900,000 | $67,000 | $533,000 |
| Asian | 205 | $38,624,000 | $188,000 | $1,300,000 | $93,000 | $391,000 |
| American Indian or Alaskan Native | 50 | $8,301,000 | $166,000 | $900,000 | $85,000 | $250,000 |
| Not applicable | 21 | $7,883,000 | $375,000 | $1,600,000 | $125,000 | $980,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $2,005,000 | $133,000 | $500,000 | $87,000 | $288,000 |
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) | 6,283 | $1,055,958,000 | $168,000 | $1,600,000 | $97,000 | $3,397,000 |
| 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 | 4,732 | $814,982,000 | $172,000 | $1,600,000 | $104,000 | $3,397,000 |
| Preapproval Denied by Financial Institution | 592 | $83,986,000 | $141,000 | $1,080,000 | $57,000 | $1,600,000 |
| Application Denied By Financial Institution | 353 | $51,139,000 | $144,000 | $1,100,000 | $64,000 | $372,000 |
| Application Approved But Not Accepted | 226 | $37,065,000 | $164,000 | $650,000 | $90,000 | $422,000 |
| Preapproval Approved but not Accepted | 178 | $35,029,000 | $196,000 | $1,450,000 | $86,000 | $613,000 |
| Application Withdrawn By Applicant | 175 | $27,209,000 | $155,000 | $1,100,000 | $104,000 | $1,122,000 |
| File Closed For Incompleteness | 26 | $6,393,000 | $245,000 | $806,000 | $133,000 | $621,000 |
| Loan Purchased By The Institution | 1 | $155,000 | $155,000 | $155,000 | $51,000 | $51,000 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 465 | $71,227,000 | $153,000 | $1,100,000 | $49,000 | $879,000 |
| Credit History | 288 | $30,606,000 | $106,000 | $638,000 | $57,000 | $223,000 |
| Other | 82 | $16,021,000 | $195,000 | $1,080,000 | $116,000 | $1,600,000 |
| Collateral | 54 | $9,746,000 | $180,000 | $518,000 | $91,000 | $246,000 |
| Employment History | 37 | $4,374,000 | $118,000 | $245,000 | $45,000 | $89,000 |
| Unverifiable Information | 11 | $1,814,000 | $164,000 | $680,000 | $59,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $730,000 | $182,000 | $245,000 | $62,000 | $82,000 |
| Mortgage Insurance Denied | 4 | $607,000 | $151,000 | $184,000 | $72,000 | $97,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2007 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.